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.
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
District Of Columbia
New American Funding mortgage rates are some of the best mortgage rates currently available online. 30 year mortgage rates from New American Funding are at 3.50 percent with only 0.125 mortgage points. Most mortgage lenders right now will charge you 2 points to get a 30 year mortgage rate that low. 15 year mortgage rates from New American Funding are also a good deal right now at 2.875 percent with 0.75 points. You can compare different rate/point combinations to get the best deal on a mortgage from New American Funding.
Bank Midwest mortgage rates are some of the best mortgage rates currently available today. 30 year mortgage rates from Bank Midwest are at 4.625 percent with only 0.50 mortgage points and $850 in fees. 15 year mortgage rates at Bank Midwest are an even better deal right now. Current 15 year mortgage rates today from Bank Midwest are at 4.125 percent with no points and the same $850 in fees.
If you can afford higher monthly payments that come with a 10 year mortgage loan you might be interested in this mortgage rate from Bank Midwest. 10 year mortgage rates are currently quoted at 4.125 percent with no mortgage points and the same $850 in fees. A 10 year mortgage loan will inflate your monthly payments considerably but you will save tens thousands or even hundreds of thousands of dollars in interest payments.
To get the best deal on a mortgage loan and save money in the process see how current mortgage rates from other lenders compare with Bank Midwest mortgage rates.
BMO Harris Bank mortgage rates are very competitive right now on both fixed and adjustable rate mortgages. 30 year fixed mortgage rates today at BMO Harris Bank are quoted at 4.375 percent with 1 mortgage point and $1,085 in fees. Current 15 year mortgage rates from BMO Harris Bank are at 4.00 percent with 0.625 points and $914 in fees. 10 year mortgage rates at BMO Harris Bank are at 3.875 percent with the same points and fees at 15 year loans. 20 year rates are quoted at 4.25 percent with 1.25 points and $914 in fees.
Besides offering regular mortgage loans BMO Harris Bank also offers several affordable home loan programs. BMO Harris Bank offers FHA-insured mortgages that allow borrowers to put as little as 3.5 percent down to buy a home.
Another affordable home loan program offered at BMO Harris Bank is their Home Possible Loans. These loans offer down payment requirements as low as 5% for qualified borrowers with low to moderate income. The Home Possible loans are available for a home purchase or refinance loan. To get the best deal on a home loan today, compare other lender’s mortgage rates with BMO Harris Bank mortgage rates.
Citizens Bank mortgage rates on conforming mortgages are very low right now. For example, 30 year mortgage rates from Citizens Bank are at 4.265 percent with no points and only $1,073 in fees. 15 year mortgage rates from Citizens Bank are even better at 4.00 percent with no points and the same $1,073 in fees. 5 year adjustable mortgage rates from Citizens Bank are at 4.125 percent with only 0.25 points and $1,073 in fees. See how mortgage rates from other banks compare with Citizens Bank mortgage rates to get the best deal on a home loan.
Arizona mortgage rates today moved lower, following long term U.S. bond yields lower. The lowest conforming 30 year mortgage rates in Arizona are at 3.86 percent with 1.10 mortgage points. The best 15 year conforming mortgage rates in Arizona are at 3.125 percent with 1.10 points. The lowest 5 year adjustable mortgage rates in Arizona are also quoted at 3.125 percent with 1.10 points. Search for Arizona mortgage rates to get the best deal on a home loan today.