Today’s Mortgage Rates: Current Average Mortgage Rates November 30, 2009

Mortgage rates are slightly lower this week over last. Conforming mortgage rates and jumbo mortgage rates are both lower. The average 30 year mortgage rate is at 4.85 percent this week. Today's average jumbo 30 year mortgage rate is currently at 5.65 percent.

Freddie Mac reported in last week's Primary Mortgage Market Survey that 30 year mortgage rates matched an all time low and 15 year mortgage rates hit another record low.

Looking for Today’s Mortgage Rates? The Best Mortgage Rates can be found in your state or zip code by using our Mortgage Rate Tables: Mortgage Rate Tables

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 #1835285

5.440%

15-Year Fixed

5.250%

$5,000

Includes 0.750 points for $3,000

Lender Fees: $2,000

$3,216 /mo

Next >

NMLS #2059741

5.606%

15-Year Fixed

5.490%

$3,032

Includes 0.758 points for $3,032

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.650%

15-Year Fixed

5.490%

$4,172

Includes 0.868 points for $3,472

Lender Fees: $700

$3,267 /mo

Next >

NMLS #1312186

5.652%

15-Year Fixed

5.500%

$3,968

Includes 0.992 points for $3,968

Lender Fees: $0

$3,269 /mo

Next >

NMLS #6606

5.773%

15-Year Fixed

5.625%

$3,848

Includes 0.962 points for $3,848

Lender Fees: $0

$3,295 /mo

Next >

NMLS #1835285

6.262%

5-Year ARM

6.125%

$5,860

Includes 0.965 points for $3,860

Lender Fees: $2,000

$2,431 /mo

Next >

NMLS #1835285

6.356%

30-Year Fixed

6.250%

$4,500

Includes 0.625 points for $2,500

Lender Fees: $2,000

$2,463 /mo

Next >

NMLS #2059741

6.569%

30-Year Fixed

6.490%

$3,292

Includes 0.823 points for $3,292

Lender Fees: $0

$2,526 /mo

Next >

NMLS #1312186

6.596%

30-Year Fixed

6.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,529 /mo

Next >

NMLS #1025894

6.600%

30-Year Fixed

6.490%

$4,592

Includes 0.973 points for $3,892

Lender Fees: $700

$2,526 /mo

Next >

NMLS #6606

6.714%

30-Year Fixed

6.625%

$3,684

Includes 0.921 points for $3,684

Lender Fees: $0

$2,562 /mo

Next >

NMLS #401822

6.734%

30-Year Fixed

6.625%

$4,495

Includes 0.625 points for $2,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #1312186

6.968%

5-Year ARM

6.875%

$3,804

Includes 0.951 points for $3,804

Lender Fees: $0

$2,628 /mo

Next >

NMLS #401822

7.698%

15-Year Fixed

7.375%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,680 /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.

Today's Mortgage Rates:

30 year mortgage rates declined to 4.85 percent this week, down from last week’s average home loan rate of 4.90 percent, almost matching an all time low 4.84 percent set May 18, 2009.

15 year mortgage rates are down to 4.35 percent this week from last week’s average loan rate of 4.37 percent. 15 year mortgage rates hit a new low for 2009.

Jumbo Mortgage rates

30 year jumbo mortgage rates are averaging 5.65 percent this week, down from last week’s mortgage rate of 5.69 percent.

15 year jumbo mortgage rates are averaging 5.12 percent this week, down from the previous week’s average rate on a 15 year home loan of 5.19 percent.

Adjustable Mortgage Rates

One year adjustable mortgage rates are averaging  4.11 percent this week, down from the previous week’s one year home loan rate of 4.30 percent.

Three year adjustable rate mortgages are averaging 4.20 percent this week, down from the prior week’s average rate for a three year mortgage loan of 4.40 percent.

Average five year mortgage rates are at 4.11 percent this week, up from last week’s average home loan interest rate of 4.06 percent.

The average rate on a seven year ARM is at 4.52 percent this week, up from last week’s average home bank loan rate of 4.50 percent.

Ten year ARMs are averaging 4.86 percent this week, down from the previous week when 10 year mortgage interest rates were at 4.88 percent.

Jumbo Adjustable Mortgage Rates

One year jumbo adjustable mortgage rates are averaging 5.48 percent this week,  down slightly from last week’s average loan interest rate of 5.49 percent.

Three year jumbo loans are averaging 5.40 percent this week, down from last week’s average mortgage interest rate of 5.42 percent.

Today's five year jumbo rates are at 5.41 percent this week, up over .50 percent from last week’s average home mortgage loan rate 0f 4.83 percent.

The current average mortgage rate on a seven year jumbo mortgage is at 5.39 percent, down from last week’s average mortgage loan interest rate of 5.57 percent.

The average rate on a 10 year jumbo ARM is at  6.65 percent, up almost one percent from last week’s average loan rate of 5.89 percent.

Interest Only Mortgage Rates (IO Loans)

Average three year interest only loan rates are at 4.40 percent this week, down from last week’s three year home loan rate of 4.50 percent.

Average five year IO loans are at 4.23 percent, up from the prior week's average five year loan interest rates of 4.15 percent.

Average seven year IO mortgage rates are averaging 4.71 percent this week, up from last week's average interest rate of 4.70 percent.

Jumbo Interest Only Mortgage Rates (IO)

The average rate on a three year jumbo interest only mortgage is unchanged at 5.53 percent this week over last.

The average five year jumbo IO mortgage is at 5.97 percent this week, up from the prior week’s average IO mortgage rate of 5.23 percent.

The average seven year jumbo IO mortgage rate is at 5.66 percent, down from last week’s average jumbo rate of 5.94 percent.

Home Equity Loan

The average rate on a 10 year home equity loan is down slightly to 7.494 percent this week, down from the prior week’s average equity home loan rate of 7.496 percent.

The average 15 year home equity rate decreased to 7.624 percent this week, down from the last week’s average home equity loan rate of 7.629 percent.

Home Equity Line of Credit Rates (HELOC)

The average home equity line of credit rate was up slightly to 4.904 percent this week, up from last week’s average HELOC rate of 4.898 percent.

Looking for Mortgage Rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Find Mortgage Rates Here