Today’s Mortgage Rates Lower: 30 Year Mortgage Refinance Rates at 3.43 Percent

Today's mortgage rates moved lower following the downtrend of the past week. Average 30 year mortgage refinance rates are at 3.43 percent, a decline from Friday's average 30 year mortgage rate of 3.46 percent. Average 30 year mortgage rates have hit another record low today and will make new lows in the coming months. You can already find lenders offering 30 year mortgage interest rates below the averages.

Right now on our 30 year refinance rates list for the state of New Jersey there are several home loan lenders offering 30 year rates below the average with points and without points. First Internet Bank is offering 30 year refinance rates in New Jersey at 3.125 percent with 2 mortgage points. If you are looking for a low refinance rate without having to pay any points Seckel Capital is listed as offering 30 year refinance rates in NJ at 3.25 percent with no points.

Also on our 30 year mortgage rates list in California there are many lenders offering rates below the average. AmericanInterback.com Mortgage Bankers is offering 30 year California refinance rates at an incredibly low rate of 2.75 percent with 2 mortgage points. Wow, can you believe that? A 30 year refinance rate below 3.00 percent. If you rather not pay any points AmericanInterback.com Mortgage Bankers is also offering 30 year refinancing rates at 3.00 percent with no points in CA.

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 #2578474

5.666%

15-Year Fixed

5.500%

$4,334

Includes 0.821 points for $3,284

Lender Fees: $1,050

$3,269 /mo

Next >

NMLS #1661781

5.760%

15-Year Fixed

5.625%

$3,673

Includes 0.625 points for $2,500

Lender Fees: $1,173

$3,295 /mo

Next >

NMLS #757416

5.868%

15-Year Fixed

5.750%

$3,060

Includes 0.765 points for $3,060

Lender Fees: $0

$3,322 /mo

Next >

NMLS #1025894

5.886%

15-Year Fixed

5.750%

$3,512

Includes 0.703 points for $2,812

Lender Fees: $700

$3,322 /mo

Next >

NMLS #1067

5.891%

15-Year Fixed

5.750%

$3,652

Includes 0.913 points for $3,652

Lender Fees: $0

$3,322 /mo

Next >

NMLS #3030

6.532%

15-Year Fixed

6.375%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,458 /mo

Next >

NMLS #2578474

6.616%

30-Year Fixed

6.500%

$4,850

Includes 0.950 points for $3,800

Lender Fees: $1,050

$2,529 /mo

Next >

NMLS #1661781

6.620%

30-Year Fixed

6.500%

$5,173

Includes 1.000 points for $4,000

Lender Fees: $1,173

$2,529 /mo

Next >

NMLS #1025894

6.735%

30-Year Fixed

6.625%

$4,564

Includes 0.966 points for $3,864

Lender Fees: $700

$2,562 /mo

Next >

NMLS #757416

6.822%

30-Year Fixed

6.750%

$2,968

Includes 0.742 points for $2,968

Lender Fees: $0

$2,595 /mo

Next >

NMLS #1067

6.838%

30-Year Fixed

6.750%

$3,620

Includes 0.905 points for $3,620

Lender Fees: $0

$2,595 /mo

Next >

NMLS #1661781

7.244%

5-Year ARM

7.125%

$4,977

Includes 0.951 points for $3,804

Lender Fees: $1,173

$2,695 /mo

Next >

NMLS #3030

7.338%

30-Year Fixed

7.250%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,729 /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.

Moving onto our 30 year Texas mortgage rates list we have LenderFi offering 30 year refi rates at 3.00 percent with 1.25 mortgage points. If you don't want to pay points we have Home Finance of America offering 30 year refinance rates in Texas at 3.25 percent with no points.

30 year mortgage refinance rates in Florida can also be found below the national average rate. Right now LenderFi is offering 30 year Florida refinance rates at 3.00 percent with 1.25 mortgage points. Without points we also have Home Finance of America offering 30 year FL refi rates at 3.25 percent with no points.

Average 15 year mortgage rates today are also down from Friday's average mortgage rate and have also hit a record low. Current mortgage rates on 15 year conforming mortgage loans are averaging 2.85 percent, a decline from Friday's average 15 year mortgage rate of 2.88 percent.

On our 15 year mortgage refinance rates list you can also find lenders offering 15 year refinance rates below the average of 2.85 percent. Currently on our 15 year conforming mortgage rates list in Ohio there are many home loan lenders offering rates below the average.

Right now Roundpoint Mortgage Company is offering 15 year refinance rates at 2.50 percent with 2 mortgage points. If you don't want to pay any mortgage points on a home loan Dollar Bank FSB is offering 15 year refinance rates at 2.625 percent with no points.

Other lenders offering 15 year conventional refinance rates below the average in other states include Vandyk Mortgage offering 15 year conventional refi rates in Georgia at 2.50 percent with zero mortgage points. In the state of Illinois Roundpoint Mortgage Company is offering 15 year refi rates at 2.50 percent with 2 points.