Current Mortgage Rates Wednesday, March 21, 2012

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.

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
4.216
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,953
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.206
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,581
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
4.371
4.250
USD
LOWRATES.COM Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,966
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
4.598
4.500
USD
at 0.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,102
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
4.210
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,738
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Blue Spot Home Loans
Blue Spot Home Loans
https://www.brimg.net/system/img/inst/10534_logo.gif
300000
Refinance
4.168
4.124
USD
Blue Spot Home Loans Logo
at 0.100 pts
30 day lock rate
Est payment: $1,453.77
Fees in APR: $1,284
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from SunnyHill Financial, Inc.
SunnyHill Financial, Inc.
https://www.brimg.net/system/img/inst/10553_logo.gif
300000
Refinance
4.182
4.125
USD
SunnyHill Financial, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,755
Thanks for the inquiry! 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.299
9.125
USD
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,275
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
9.277
9.125
USD
at 0.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $3,690
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
4.416
4.250
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,841
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_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: $2,649
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
4.210
4.115
USD
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,107
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
4.209
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,708
 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
4.490
4.490
USD
LOWRATES.COM Logo
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
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
4.278
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $995
 
30 yr fixed Mortgage Loan from Blue Spot Home Loans
Blue Spot Home Loans
https://www.brimg.net/system/img/inst/10534_logo.gif
300000
Refinance
4.249
4.249
USD
Blue Spot Home Loans Logo
at 0.000 pts
30 day lock rate
Est payment: $1,475.64
Fees in APR: None
Thanks for the inquiry! 
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
4.287
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,324
 
30 yr fixed Mortgage Loan from SunnyHill Financial, Inc.
SunnyHill Financial, Inc.
https://www.brimg.net/system/img/inst/10553_logo.gif
300000
Refinance
4.254
4.250
USD
SunnyHill Financial, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $126
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
4.777
4.750
USD
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $935
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
4.281
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,102
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.761
4.750
USD
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $392
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
4.375
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 Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.460
4.460
USD
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: None
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
4.182
4.125
USD
Better Mortgage Inc Logo
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,032
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
4.375
4.375
USD
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: None
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
4.500
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 LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_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 NationsChoice Mortgage
NationsChoice Mortgage
https://www.brimg.net/system/img/inst/8111_logo.gif
300000
Refinance
4.167
4.125
USD
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,495
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.367
4.365
USD
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $65
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
4.254
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $130
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.478
9.125
USD
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $5,868
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
4.416
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,533
Thank you for your inquiry! 
30 yr fixed Mortgage Loan from SunnyHill Financial, Inc.
SunnyHill Financial, Inc.
https://www.brimg.net/system/img/inst/10553_logo.gif
300000
Refinance
4.028
3.875
USD
SunnyHill Financial, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $2,211
Thanks for the inquiry! 
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
4.062
3.875
USD
at 1.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $3,409
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.490
9.125
USD
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,162
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
4.060
3.865
USD
at 1.100 pts
30 day lock rate
Est payment: $1,409.00
Fees in APR: $3,707
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
4.069
3.875
USD
at 1.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $3,644
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.669
4.625
USD
Union Bank

4.669%
1/16/2019
4.625%
at 0.250 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
4.795
4.750
USD
Bank of the West

4.795%
1/15/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
4.555
4.500
USD
San Diego County Credit Union

4.555%
1/16/2019
4.500%
at 0.500 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
4.528
4.500
USD
Schools First FCU

4.528%
1/21/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank

4.406%
1/22/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 
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%
1/21/2019
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $105
 
 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
4.526
4.500
USD
First Tech Credit Union

4.526%
1/16/2019
4.500%
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $898
 
 

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.





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