Refinance rates are higher today as 10 year Treasury yields continue higher. Today's refinance rates on 30 year home loans are averaging 4.16%, an increase from yesterday's average 30 year refinance rate of 4.06%. Refinancing rates are so low these days most home owners have taken advantage of ultra low rates and refinanced their home loan. Refinance rates currently on 30 year jumbo loans are averaging 4.61%, an increase from yesterday's average 30 year refinance rate of 4.46%.

Compare refinance rates from many different lenders by using our refinance rates table here:  Refinance Rates. Unlike most websites, no personal information is needed to view a list of refinance rates.

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 MRC'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 #2473786

4.808%

15-Year Fixed

4.625%

$4,883

Includes 0.947 points for $3,788

Lender Fees: $1,095

$3,086 /mo

Next >

NMLS #2059741

4.888%

15-Year Fixed

4.750%

$3,684

Includes 0.921 points for $3,684

Lender Fees: $0

$3,112 /mo

Next >

NMLS #1067

5.008%

15-Year Fixed

4.875%

$3,520

Includes 0.880 points for $3,520

Lender Fees: $0

$3,138 /mo

Next >

NMLS #757416

5.019%

15-Year Fixed

4.875%

$3,816

Includes 0.954 points for $3,816

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1025894

5.078%

15-Year Fixed

4.875%

$5,404

Includes 0.851 points for $3,404

Lender Fees: $2,000

$3,138 /mo

Next >

NMLS #2473786

5.088%

5-Year ARM

5.000%

$4,031

Includes 0.734 points for $2,936

Lender Fees: $1,095

$2,148 /mo

Next >

NMLS #1928741

5.098%

15-Year Fixed

4.990%

$2,840

Includes 0.710 points for $2,840

Lender Fees: $0

$3,162 /mo

Next >

NMLS #6606

5.386%

15-Year Fixed

5.240%

$3,820

Includes 0.955 points for $3,820

Lender Fees: $0

$3,214 /mo

Next >

NMLS #2473786

5.702%

30-Year Fixed

5.625%

$3,367

Includes 0.568 points for $2,272

Lender Fees: $1,095

$2,303 /mo

Next >

NMLS #2059741

5.714%

30-Year Fixed

5.625%

$3,936

Includes 0.984 points for $3,936

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1025894

5.760%

30-Year Fixed

5.625%

$5,924

Includes 0.981 points for $3,924

Lender Fees: $2,000

$2,303 /mo

Next >

NMLS #757416

5.829%

30-Year Fixed

5.750%

$3,448

Includes 0.862 points for $3,448

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1067

5.921%

30-Year Fixed

5.875%

$1,992

Includes 0.498 points for $1,992

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1928741

5.926%

30-Year Fixed

5.875%

$2,208

Includes 0.552 points for $2,208

Lender Fees: $0

$2,367 /mo

Next >

NMLS #6606

6.091%

30-Year Fixed

6.000%

$3,892

Includes 0.973 points for $3,892

Lender Fees: $0

$2,399 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by 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.

Today’s refinance rates on conforming 15 year refinance loans are averaging 3.84%, up from yesterday's average 15 year refi rate of 3.82%. Since rates are so low which make 15 year loans more affordable many home owners refinance a 30 year loan to a 15 year loan. Doing so will save you tens or hundreds of thousands of dollars over the life of the loan. 15 year jumbo refinance rates today are averaging 3.85%, unchanged from yesterday’s average 15 year jumbo refinance rate.

Refinance Rates

Today’s Conforming Adjustable Refinance Rates

1 year adjustable refinance rates today are averaging 3.72%, up from last week’s average 1 year adjustable jumbo refinance rate of 3.68%.

3 year adjustable refinance rates currently are averaging 2.76%, down from last week’s average 3 year adjustable refinance rate of 2.97%.

5 year adjustable refinancing rates are averaging 3.13%, an increase from the prior week’s average 5 year adjustable refinance rate of 2.99%.

Current 7 year adjustable mortgage refi rates are averaging 3.19%, down from the previous week’s average 7 year adjustable mortgage rate of 3.30%.

10 year adjustable refi mortgage rates currently are averaging 3.60%, an increase from last week’s average 10 year adjustable rate of 3.59%.

Adjustable Jumbo Refinance Rates Current

Current 1 year jumbo adjustable mortgage loan refinance rates are at 4.05%, unchanged from last week’s average adjustable jumbo mortgage rate refinance.

3 year adjustable jumbo refinance rates today are averaging lower at 3.40%, a decrease from last week’s average 3 year jumbo adjustable refinance rate of 3.58%.

5 year adjustable jumbo refinance mortgage rates currently are averaging 3.11%, down from last week’s average jumbo adjustable refinance loans rate of 3.21%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.69%, up from last week’s average 7 year adjustable refinance home mortgage rate of 3.54%.

10 year jumbo home loan refinance rates are averaging 4.03%, an increase from the prior week’s average 10 year jumbo mortgage refinance rates of 3.89%.

Conventional Interest Only Adjustable Refinance Rates Today

3 year interest only adjustable mortgage refinance rates and are averaging 3.31%, up from last week’s average interest only mortgage refinance rate of 3.21%.

5 year IO adjustable loan refinance mortgage rates are averaging 3.45%, up from last week’s average five year interest only home refinance rate of 3.23%.

7 year interest only adjustable loan refinance rates are averaging 3.47%, down from last week’s average 7 year interest-only refinance rates of 3.49%.

Today’s Jumbo Interest Only Refinance Rates 

Today’s 3 year jumbo refinancing rates are averaging 3.57%, down from last week’s average jumbo adjustable interest only refinance rate of 3.76%.

Current 5 year adjustable jumbo interest only mortgage refinance rates are averaging 3.52%, up from last week’s average IO home refinance mortgage rate of 3.46%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.82%, up from last week’s average jumbo 7 year home refinance loan rate of 3.73%.