Mortgage rates are down again in the most recent mortgage rate survey released yesterday. 30 year mortgage rates are averaging 4.90 percent, this is the lowest average 30 year mortgage rates in 2010. A decline in U.S. Treasury yields has driven current mortgage rates lower. 10 year U.S. Treasury were 3.85 percent late last month but have gone back under 3.50 percent, closing at 3.44 percent on Friday. 

Looking for current mortgage rates and current refinance rates? Search our mortgage rate tables at MortgageRates.MonitorBankRates.com to find the lowest mortgage rates and refinance rates.

Current 15 year mortgage rates were also lower in the mortgage rate survey released by MonitorBankRates.com. Today’s 15 year mortgage rates are averaging 4.33 percent, down from last week’s average 15 year mortgage rate of 4.35 percent.

Mortgage Rates - Current

Current 30 year jumbo mortgage rates are averaging  5.54 percent this week, up from the previous week’s average jumbo mortgage interest rate of 5.52 percent. Current 30 year jumbo refinance rates are also averaging 5.54 percent.

Today’s 15 year jumbo mortgage rates are averaging 4.88 percent, down from the prior week’s average jumbo loan rate of 4.95 percent. Current 15 year jumbo mortgage refinance rates are averaging 4.88 percent this week.

Conforming Adjustable Mortgage Rates – Current

Current 1 year conforming adjustable mortgage rates are averaging 3.85 percent, unchanged from the previous week’s average 1 year adjustable mortgage interest rate. 1 year adjustable mortgage refinance rates are also averaging 3.85 percent this week.

Currently, 3 year adjustable mortgage rates a averaging 4.35 percent, a decline from the previous week’s average home mortgage rate of 4.54 percent. Current 3 year refinance mortgage rates are also averaging 4.35 percent.

Today’s 5 year adjustable mortgage rates are averaging 3.95 percent, an increase from last week’s average loan mortgage rate of 3.67 percent. Current 5 year mortgage refinance interest rates are also averaging 3.95 percent.

Current 7 year conforming adjustable mortgage loan rates are averaging 4.14 percent, down from an average 7 year mortgage interest rate of 4.16 percent. Current 7 year refinance loan rates are also averaging 4.14 percent.

Current conforming 10 year adjustable loan rates are averaging 4.51 percent, down from the previous week’s average mortgage interest rate of 4.52 percent. Current 10 year home loan refinance rates are currently averaging 4.51 percent.

Jumbo Adjustable Mortgage Rates – Current

1 year jumbo adjustable mortgage rates are averaging in at 5.95 percent today, unchanged from the previous week’s average 1 year jumbo adjustable loan rate of 5.95 percent. Current 1 year jumbo refinance rates are also averaging 5.95 percent this week.

Today’s 3 year jumbo adjustable rate loans are averaging 5.11 percent, up from last week’s average jumbo home loan rate of 5.10 percent. Current 3 year home jumbo refinance rates are also averaging 5.11 percent.

Current 5 year jumbo ARMs are averaging 4.50 percent, up from an average mortgage rate of 4.46 percent. Current 5 year jumbo refinance loan rates are averaging 4.50 percent.

The current average 7 year jumbo ARM is at 5.32 percent, an increase from last week’s average loan mortgage rate of 5.26 percent. Current 7 year jumbo refinance rates are also averaging 5.32 percent this week.

Currently, 10 year jumbo mortgage interest rates are at 5.80 percent, up from the previous week’s average 10 year jumbo mortgage rate of 5.72 percent. 10 year jumbo loan refinance rates are also up to 5.80 percent this week.

Mortgage Rates Interest Only – Current

Current conforming 3 year interest only mortgage rates are averaging 4.57 percent this week, up from last week’s average mortgage interest rate of 4.78 percent.

Today’s 5 year interest only home loans are averaging 3.83 percent this week, down from last week’s average five year interest only mortgage rate of 3.85 percent.

7 year IO home loans are averaging 4.29 percent, down from an average interest rate of 4.34 percent last week.

Jumbo Interest Only Mortgage Rates – Current

3 year jumbo IO loans are averaging 5.49 percent this week, an increase from last week’s average jumbo interest mortgage rate of 5.43 percent.

Today’s average 5 year jumbo IO loan rate is at 5.17 percent, up from the prior week’s average IO mortgage rate of 5.14 percent.

The average 7 year jumbo IO loan is averaging 5.73 percent this week, up from last week’s average jumbo 7 year rate of 5.65 percent.

Home Equity Loan Rates – Current

10 year home equity loan rates are averaging 7.297 percent, unchanged  from last week’s average home equity loan rate.

15 year home equity rates are averaging 7.418 percent this week, unchanged from last week’s average home equity rate of 7.418 percent.

Home Equity Line of Credit Rates (HELOC) – Current

Average home equity line of credit rates are averaging 4.664 percent this week, down from last week’s average HELOC rate of 4.777.