Find Mortgage Rates & Refinance Rates in Your State or Area

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Results for a $150,000 Mortgage In CA. Change the search results above for rates in your State or Area.
Lender Contact Term & Type Estimated Payment Rate APR Points Fees Last Updated
Chase  
 30 Year Fixed $694.67 3.750% 3.948% 2.125% $395.00 01/26/2012
Citibank Mortgage  
 30 Year Fixed $705.36 3.875% 4.060% 1.875% $500.00 01/26/2012
Chase  
 30 Year Fixed $716.12 4.000% 4.116% 1.125% $395.00 01/26/2012
Bank of America  
 30 Year Fixed $716.12 4.000% 4.207% 2.125% $500.00 01/26/2012
Citibank Mortgage  
 30 Year Fixed $726.97 4.125% 4.259% 1.250% $500.00 01/26/2012
Bank of America  
 30 Year Fixed $737.91 4.250% 4.374% 1.125% $500.00 01/26/2012
Bank of America  
 30 Year Fixed $748.93 4.375% 4.408% 0.125% $400.00 01/26/2012
Chase  
 30 Year Fixed $782.47 4.750% 4.784% 0.125% $395.00 01/26/2012
Product details and data provided by Informa Research Services, Inc.


Mortgage Rates

When you start your search for current mortgage rates or mortgage refinance rates you need to first have an understanding of the types of mortgages available and the corresponding mortgage rates. Types of mortgages rates available include conforming mortgage rates, super conforming mortgage rates and jumbo mortgage rates. There are variations of each type of mortgage available. Mortgage rates today are so low you can get a better rate than you might expect. Make sure to use a mortgage amortization calculator to figure out how much home you can afford. We also offer a free Mortgage Rate Widget you can use to display national average mortgage rates on your website.

Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of the United States . There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities. Mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell mortgage loans that have been made. As a result, conforming mortgage rates are lower than jumbo mortgage rates.

Super Conforming Mortgage Rates

Super conforming mortgages are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgage rates are higher than conforming mortgage rates. Super conforming mortgage rates are in the higher cost housing areas like the coasts and in large cities.

Jumbo Mortgage Rates

Jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo mortgage rates are usually 0.75 basis points higher than conforming mortgage rates because there are no guarantee banks and credit unions can sell these mortgages after they make the loans.

Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgages available. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Adjustable Rate Mortgages

Adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise.

Interest Only Mortgage Rates

Interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

FHA Mortgage Rates

Borrowers must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage rates in are usually lower than conforming mortgage rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Find a list of CD Bank Rates by searching RatesORama's Highest CD Rates list. You can also search for CD Rates by state. Find today's mortgage rates from several lenders by searching their Mortgage Rates list and Highest Savings Account Rates by searching savings account rates lists.

Search and compare CD Rates by searching MonitorBankRates' Bank CD Rates list. Find current mortgage rates from several lenders by searching our Mortgage Rates Today list and Savings Rates by searching online savings account rates lists. Use our free CD Calculator and CD Ladder Calculator to calculate how much return you will earn on your investment.



Mortgage Rates By State