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Mortgage Rates | Search for Mortgage Rates and Refinance Rates by Searching our List of Mortgage Rates Today Below. Our Database of Rates is Updated Daily with Today's Mortgage Rates and Refinance Rates
 

Mortgage Rates | Search for Mortgage Rates Today

Get a list of mortgage rates and refinance rates by searching our list of current mortgage rates below. Our database is updated daily with today's mortgage rates and refinance rates. The interest rates displayed below are for a mortgage refinance loan in the amount of $250,000 in your state. Change the search criteria to fit your needs for a list of mortgage rates or refinance rates.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.139
4.000
USD
at 0.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $4,665
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.236
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,655
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.199
4.124
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.77
Fees in APR: $2,370
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.565
4.500
USD
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,957
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from SnapFi
SnapFi
https://www.brimg.net/system/img/inst/10343_logo.gif
300000
Refinance
4.584
4.500
USD
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,643
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.221
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,124
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.376
4.250
USD
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,438
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.322
4.250
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,248
All online. No annoying phone calls. No paper. No hassles. 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.250
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $4,157
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.260
4.000
USD
at 1.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $6,212
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.291
4.210
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $1,468.80
Fees in APR: $2,585
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.275
4.150
USD
at 0.100 pts
45 day lock rate
Est payment: $1,458.31
Fees in APR: $4,150
Thank you for your inquiry! We look forward to working with you. 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.436
4.250
USD
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,535
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.521
4.375
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,100
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.471
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,075
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.233
4.115
USD
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,899
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.320
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,195
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.500
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: None
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https://www.brimg.net/system/img/inst/7834_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry. 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.500
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
30 yr fixed Mortgage Loan from SnapFi
SnapFi
https://www.brimg.net/system/img/inst/10343_logo.gif
300000
Refinance
4.662
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,275
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.634
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $299
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.290
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,416
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.660
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,211
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.386
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $385
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.389
4.375
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $496
All online. No annoying phone calls. No paper. No hassles. 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.638
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $468
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.426
4.375
USD
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,815
Thank you for your inquiry! We look forward to working with you. 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.394
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $675
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.500
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.364
4.335
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,490.79
Fees in APR: $1,024
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.300
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,785
Thank you for your quote. 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.348
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,465
 
30 yr fixed Mortgage Loan from KS StateBank
KS StateBank
https://www.brimg.net/system/img/inst/10346_logo.gif
300000
Refinance
4.523
4.500
USD
KS StateBank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $795
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from NationsChoice Mortgage
NationsChoice Mortgage
https://www.brimg.net/system/img/inst/8111_logo.gif
300000
Refinance
4.250
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.381
4.365
USD
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $557
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
300000
Refinance
4.273
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $821
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.128
3.990
USD
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $1,641
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.340
3.990
USD
at 2.000 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $6,291
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.536
9.125
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,310
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.413
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,443
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.158
3.750
USD
at 2.000 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $8,445
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.492
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $800
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.177
4.000
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,016
All online. No annoying phone calls. No paper. No hassles. 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
3.991
3.750
USD
at 1.100 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $5,358
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.190
4.000
USD
at 1.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $3,457
Thank you for your inquiry! We look forward to working with you. 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.169
3.990
USD
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $3,086
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from SnapFi
SnapFi
https://www.brimg.net/system/img/inst/10343_logo.gif
300000
Refinance
4.436
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,246
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.256
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,346
 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.166
4.000
USD
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,617
Thank you for your inquiry! 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
4.651
4.625
USD
First Tech Credit Union

4.651%
8/8/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $898
 
 
30 yr fixed mtg refi Mortgage Loan from San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
4.681
4.625
USD
San Diego County Credit Union

4.681%
8/8/2018
4.625%
at 0.500 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
4.779
4.750
USD
Schools First FCU

4.779%
8/13/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.919
4.875
USD
Union Bank

4.919%
8/8/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from Orange Countys Credit Union
Orange Countys Credit Union
300000
Refinance
4.548
4.500
USD
Orange Countys Credit Union

4.548%
8/14/2018
4.500%
at 0.125 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,314
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank

4.656%
8/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA

4.913%
8/14/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
5.056
5.000
USD
Bank of the West

5.056%
8/14/2018
5.000%
at 0.375 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from Star One Credit Union
Star One Credit Union
300000
Refinance
4.378
4.375
USD
Star One Credit Union

4.378%
8/13/2018
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $105
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.




Mortgage Rates and Refinance Rates

Find the best mortgage rates from banks and credit unions. You can get the best mortgage rates today by searching our rate list for the state you live in. Whether you’re looking for a conforming mortgage rates, jumbo mortgage rates, adjustable mortgage rates or interest-only mortgage rates you can find the lowest current mortgage rates and refinance rates.Compare savings account rates by searching our best savings account rates list. You can also find the best CD rates by searching our CD rates lists.

Conforming Mortgage Rates and Refinance Rates

Fixed conforming home mortgage interest rates are the most popular type of loan rates you can find advertised for home buyers and refinancers. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States . Higher mortgage loan limits are set for high housing cost areas. Mortgages that "conform" to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees banks, mortgage companies and credit unions are able to resell home loans that they make. This process also makes conforming mortgage rates and refinance rates lower than jumbo mortgage rates and jumbo refinance rates because the GSE’s can’t purchase jumbo mortgages that are made by home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates

Jumbo mortgage rates are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates. Loan Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies make.

Fixed Mortgage Rates and Fixed Refinance Rates

Fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Adjustable Mortgage Rates

Adjustable mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for both conforming and jumbo loans. Most adjustable mortgages in have yearly caps and life time maximum caps on how high the interest rate can fluctuate to protect the home owner from wild swings in interest rates.


Mortgage Rates By State


Refinance rates and mortgage rates today are so very low right now if you’re thinking about refinancing you should do so before interest rates move higher. If you can afford the monthly mortgage payments on a 15 year loan instead of a 30 year loan you should refinance to a short term mortgage. You will save so much money doing so.

Another positive to 15 year loans is mortgage rates are always lower on 15 year loans than 30 year loans. That’s true of both conforming mortgages and jumbo mortgages. Rates on average are about 50 basis points (.50%) to 75 basis points (.75%) lower.

Right now 30 year conforming mortgage interest rates run about 4.00% and 15 year conforming rates run about 3.50% or even lower. In fact right now on our mortgage rate table there are many lenders offering 15 year conforming rates lower.

Depending on the state you live in Quicken Loans is offering 15 year rates at 2.99% with an APR 3.43%. Aimloan is offering rates at 2.875% with an APR of 3.067%. Amerisave is offering 15 year mortgage interest rates at 2.75% with an APR of 3.08%.

As you can see mortgage rates in general are very low. The best way to see how much money you can save in total mortgage interest payments is to use a mortgage calculator which will lay everything out for you. I recently refinancing to a 15 year mortgage at 2.75%.

Using a mortgage calculator I was able to see that I would save over $325,000 in mortgage interest payments by refinancing to a 15 year mortgage instead of a 30 year mortgage. You should do the same to see how much money you can save in mortgage interest payments.

Author: James Martin
April 29th, 2012
Posted in: Mortgage Rates

Current mortgage rates today for Wednesday, March 21, 2012 are lower as 10 year bond yields moved lower yesterday. Day over day there weren’t any big moves in current mortgage rates. I don’t expect mortgage rates to move higher until the beginning of 2013 when the economy is humming along.

Mortgage rates today on 30 year home mortgage loans are averaging 4.03%, down from yesterday’s average 30 year mortgage rate of 4.05%. 30 year  mortgage rates this low make owning a home more affordable and you can purchase a larger home.

Current Mortgage Rates Wednesday, March 21, 2012

Though these days after the housing bubble and Mcmansions people are more inclined to live within their means buy buying a smaller home then they would have a few years ago.

Today’s mortgage rates on 15 year mortgage loans are also lower averaging 3.26%, down from yesterday’s average 15 year mortgage interest rate of 3.32%. The future direction of 15 year mortgage rates will be higher eventually but just like 30 year rates won’t increase until 2014.

I recently refinanced from a 5/1 adjustable mortgage to a 15 year mortgage with a incredibly low mortgage rate of 3.25%! My wife and I were ecstatic when we were able to lock-in a mortgage rate so low without paying any mortgage points.

Current jumbo mortgage rates today are also lower on both fixed mortgages and adjustable mortgages. Today’s jumbo mortgage rates on 30 year loans are averaging 4.44% down from yesterday’s average jumbo mortgage rate of 4.47%.

Today’s jumbo mortgage rates on 15 year home loans are averaging 3.63%, a decline from yesterday’s average 15 year jumbo mortgage rate of 3.67%. Likewise with a conforming loan if you can refinance from a 30 year jumbo mortgage to a 15 year jumbo mortgage you’ll save hundreds of thousands of dollars in mortgage interest expenses.

Both conforming adjustable mortgage rates and jumbo adjustable mortgage rates are lower today. 

Mortgage rates today on conforming 5 year adjustable home  loans are averaging 2.85%, down from yesterday’s average 5 year adjustable mortgage rate of 2.89%.

5 year jumbo adjustable mortgage rates today are averaging 3.02%, down from yesterday’s average 5 year jumbo adjustable mortgage rate of 3.04%

Author: James Martin
March 21st, 2012
Posted in: Mortgage Rates