Mortgage Refinance Rates: 30 Year Refinance Rates as Low as 3.13% 15 Year Refi Rates as Low as 2.38%

You probably have seen the "record low mortgage rates" or 'record low refinance rates" over the past year. Average rates have increased earlier this month but are once again heading lower. Right now the current national average conforming 30 year mortgage rate is at 3.56 percent. This is rate is an average rate you can find rates above and below the average.

If you're searching for a conforming 30 year loan we have lenders advertising rates well below the average of 3.56 percent. For example, on our 30 year refinance rates list in California there are several lenders offering 30 year mortgage refinance rates at either 3.13 percent with 3.25 percent.

Residential Finance Corporation is offering 30 year refi rates at 3.13 percent with 2 mortgage points. First Internet Bank is also offering 30 year rates at 3.13 percent with 2 points. Loan Depot is offering 30 year refi rates at 3.25 percent with 1.01 points and IHL Direct is offering rates at 3.25 percent with 1 point. If you don't want to pay any points upfront IHL Direct is also offering 30 year refi rates at 3.38 percent with no points in California.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #2326098

License: 60DBO-181478

4.783%

15-Year Fixed

4.625%

$4,409

Includes 0.614 points for $2,456

Lender Fees: $1,953

$3,086 /mo

Next >

NMLS #1689962

License: 02053435

4.873%

15-Year Fixed

4.750%

$3,280

Includes 0.820 points for $3,280

Lender Fees: $0

$3,112 /mo

Next >

NMLS #1025894

4.978%

15-Year Fixed

4.875%

$2,736

Includes 0.509 points for $2,036

Lender Fees: $700

$3,138 /mo

Next >

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5.595%

30-Year Fixed

5.500%

$4,228

Includes 0.875 points for $3,500

Lender Fees: $728

$2,272 /mo

Next >

NMLS #3030

5.654%

15-Year Fixed

5.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,269 /mo

Next >

NMLS #2326098

License: 60DBO-181478

5.726%

30-Year Fixed

5.625%

$4,637

Includes 0.671 points for $2,684

Lender Fees: $1,953

$2,303 /mo

Next >

NMLS #1689962

License: 02053435

5.829%

30-Year Fixed

5.750%

$3,432

Includes 0.858 points for $3,432

Lender Fees: $0

$2,335 /mo

Next >

NMLS #401822

5.905%

15-Year Fixed

5.750%

$4,000

Includes 0.000 points for $0

Lender Fees: $4,000

$3,322 /mo

Next >

NMLS #401822

5.933%

30-Year Fixed

5.750%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$2,335 /mo

Next >

NMLS #1025894

5.956%

30-Year Fixed

5.875%

$3,504

Includes 0.701 points for $2,804

Lender Fees: $700

$2,367 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.258%

5-Year ARM

6.125%

$5,853

Includes 0.975 points for $3,900

Lender Fees: $1,953

$2,431 /mo

Next >

NMLS #3030

6.458%

30-Year Fixed

6.375%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,496 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Mortgage rates today on 15 year conforming loans are averaging 2.91 percent. Right now on our 15 year mortgage refinance rates list for Texas First Internet Bank is offering 15 year refi rates at 2.38 percent with 2 mortgage points. Round Point Mortgage Company is listed offering 15 year refinancing rates at 2.50 percent with 2 points. If you don't want to pay points First Internet Bank is offering rates at 2.75 percent with zero points and Home Loan Enterprise is also offering 15 year rates at 2.75 percent with zero points.

Today's mortgage rates on 30 year jumbo mortgages are averaging 4.23 percent. Right now on our 30 year jumbo refinance rates list for Florida there are a couple of lenders offering rates below the average. Both Citi-Mortgage and Shoreline Mortgage Corporation are offering 30 year jumbo refinancing rates at 4.13 percent with zero points.

Moving onto 15 year jumbo mortgage rates we find the current national average rate is at 3.43 percent. On our 15 year jumbo refinance mortgage rates list for New Jersey we find Diamond Funding offering 15 year mortgage refi rates at 3.00 percent with 1 mortgage point. Diamond Funding is also offering 15 year jumbo rates at 3.38 percent with zero points and Investors Home Mortgage is also offering 15 year refinance rates at 3.38 percent with zero points.

You can use our mortgage rates and refinance rates list for your state to find a list of lenders offering the some of the lowest rates available. Best of all you don't have to provide any personal information to see a list rates.