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 Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.329
4.250
USD
Agora Lending Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,506
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.342
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,970
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
4.241
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,846
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.722
4.625
USD
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $3,073
Thanks for the 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
4.555
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,283
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.729
4.500
USD
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $4,880
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.305
9.125
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,436
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Choicelend.com
Choicelend.com
https://www.brimg.net/system/img/inst/9402_logo.gif
300000
Refinance
4.386
4.250
USD
Choicelend.com Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $4,486
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.404
4.300
USD
at 0.100 pts
45 day lock rate
Est payment: $1,484.61
Fees in APR: $3,367
Thank you for your inquiry! We look forward to working with you. 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.639
4.500
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,836
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.718
4.625
USD
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,927
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
4.346
4.240
USD
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,467
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.460
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,700
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from Direct Home Lending
Direct Home Lending
https://www.brimg.net/system/img/inst/8103_logo.gif
300000
Refinance
4.209
4.125
USD
Direct Home Lending Logo
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,700
Thank you for your inquiry, we will be in touch shortly. 
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
4.543
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,874
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.554
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,895
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Direct Home Lending
Direct Home Lending
https://www.brimg.net/system/img/inst/8103_logo.gif
300000
Refinance
4.375
4.375
USD
Direct Home Lending Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_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 First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
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
4.625
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.897
4.875
USD
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $771
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
4.410
4.375
USD
Agora Lending Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,237
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Choicelend.com
Choicelend.com
https://www.brimg.net/system/img/inst/9402_logo.gif
300000
Refinance
4.500
4.500
USD
Choicelend.com Logo
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.875
4.875
USD
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
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
4.636
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $375
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.510
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $339
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
4.482
4.460
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: $762
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
4.420
4.375
USD
Better Mortgage Inc Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,597
Thank you for your quote. 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.524
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $849
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.625
4.625
USD
HomeDirect Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
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
4.803
4.750
USD
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,825
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.494
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $134
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.561
9.125
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,936
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
4.543
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,561
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
4.646
4.250
USD
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $7,663
 
30 yr fixed Mortgage Loan from Direct Home Lending
Direct Home Lending
https://www.brimg.net/system/img/inst/8103_logo.gif
300000
Refinance
4.126
4.000
USD
Direct Home Lending Logo
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,200
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.382
4.250
USD
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,342
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
4.276
4.115
USD
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $2,420
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.388
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,575
Thank you for your inquiry, we will be in touch shortly. 
30 yr fixed mtg refi Mortgage Loan from Star One Credit Union
Star One Credit Union
300000
Refinance
4.628
4.625
USD
Star One Credit Union

4.628%
12/3/2018
4.625%
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $105
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
5.029
5.000
USD
Schools First FCU

5.029%
12/3/2018
5.000%
at 0.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
5.148
5.125
USD
Bank of the West

5.148%
12/4/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
4.776
4.750
USD
First Tech Credit Union

4.776%
12/5/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $898
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.919
4.875
USD
Union Bank

4.919%
12/5/2018
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 San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
4.931
4.875
USD
San Diego County Credit Union

4.931%
12/5/2018
4.875%
at 0.500 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.907
4.875
USD
LincolnWay Community Bank

4.907%
12/4/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,085
 
 

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


Texas Mortgage Rates Review - Best TX Loan RatesTexas mortgage rates have been increasing this year and will continue to do so in 2019. Right now the best conforming 30 year mortgage rates in Texas are at a really low rate of 3.99 percent. The best 15 year conforming mortgage rate in TX are much lower at 3.24 percent. Below you can see how TX mortgage rates today compare with the rates above to get the best loan rate.

Author: Keith Mainoli
December 10th, 2018
Posted in: Mortgage Rates

Aurora Financial Mortgage RatesAurora Financial mortgage rates are some of the best mortgage rates available today. Current 30 year conventional mortgage rates at Aurora Financial are at 4.37 percent with no points and $1,758 in fees. Today’s 15 year conforming mortgage rates from Aurora Financial are at 3.265 percent with zero points and $2,868 in fees. See how Aurora Financial mortgage rates today compare with other rates.

Author: Keith Mainoli
December 8th, 2018
Posted in: Mortgage Rates

Maryland Mortgage Rates Today - Refinance Rates MDMortgage rates for Maryland are currently some of the best mortgage rates available in Maryland today. The lowest 30 year conforming mortgage rates in Maryland are at 3.99 percent from Sebonic Financial. The best 15 year conforming mortgage rates in Maryland are also from Sebonic at 3.24 percent. See how these mortgage rates in Maryland compare with other refinance rates in MD here.

Author: Keith Mainoli
December 7th, 2018
Posted in: Mortgage Rates

Ally Bank Current Mortgage RatesAlly Bank current mortgage rates are very good right now and might be some of the best mortgage rates available. Current 30 year mortgage rates at Ally Bank are at 4.75 percent with .10 points and $3,044 in fees. Current 15 year mortgage rates from Ally Bank are even better at 4.375 percent with no points and $1,016 in fees. See how Ally Bank current mortgage rates compare with other rates right here.

Author: Keith Mainoli
December 6th, 2018
Posted in: Mortgage Rates

American Federal Mortgage RatesAmerican Federal mortgage rates are very low right now and might be one of the lowest mortgage rates available today. Current 30 year mortgage rates at American Federal are at 4.25 percent with only 0.10 mortgage points. Today’s 15 year mortgage rates from American Federal are lower at 3.875 percent with zero points. See how American Federal mortgage rates compare with other lender’s loan rates here.

Author: Keith Mainoli
December 5th, 2018
Posted in: Mortgage Rates