Mortgage Rates | Compare Mortgage Rates Today and Refinance Rates from Many Lenders

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 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.

Most Recent:

  Mortgage Rates Hit New Lows for 2014
Conforming 30 year mortgage rates hit another new low in 2014, falling to 4.16 percent this week. 30 year mortgage rates are down from last week's average of 4.21 percent. Mortgage rates have made a series of new lows in 2014, following 10 year U.S. Treasury yields lower. Current 10 year bond yields are at 2.50 percent, the lowest point this year. Back in early January, 10 year bond yields were just over 3.00 percent. Read more
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Better Mortgage Inc Logo
NMLS # 330511
State Lic # 6052748
(877) 345-9069
at 0.000 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: $1,981
Thank you for your quote. 
 
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NationsChoice Mortgage Logo
NMLS # 164626
State Lic # 4130556
(877) 526-1681
at 0.000 pts
46 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
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Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 661-8303
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
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E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 275-4211
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
 
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E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 275-4211
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your quote! 
 
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Quorum Federal Credit Union Logo
at 0.000 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: $2,169
 
 
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Mortgage Services Across America Logo
NMLS # 24055
State Lic # 4150042
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $2,400
 
 
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E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 275-4211
at 1.100 pts
30 day lock rate
Est payment: $1,310.17
Fees in APR: $538
Thank you for your quote! 
 
Next button
Better Mortgage Inc Logo
NMLS # 330511
State Lic # 6052748
(877) 345-9069
at 0.100 pts
45 day lock rate
Est payment: $1,321.84
Fees in APR: $3,408
Thank you for your quote. 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 661-8303
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $896
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 275-4211
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $1,326
Thank you for your quote! 
 
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Popular Community Bank
2.865%
9/27/2016
2.670%
at 1.000 pts
30 day lock rate
Est payment: $1,349.64
Fees in APR: $720
 
 
BBVA Compass
3.027%
9/26/2016
2.750%
at 1.375 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
LincolnWay Community Bank
2.828%
9/28/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
OneWest Bank, FSB
3.299%
9/28/2016
3.125%
at 0.333 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $1,727
 
 
San Diego County Credit Union
3.161%
9/21/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $499
 
 
IAB Financial Bank
3.060%
9/28/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $828
 
 
Star One Credit Union
2.883%
9/27/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $105
 
 
Raymond James Bank, NA
3.348%
9/27/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,354
 
 
Union Bank
3.449%
9/28/2016
3.375%
at 0.125 pts
60 day lock rate
Est payment: $1,417.52
Fees in APR: $771
 
 
Armed Forces Bank, N.A.
3.072%
9/21/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $999
 
 
Bank of the West
3.182%
9/27/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $793
 
 
First Citizens Bank
2.810%
9/26/2016
2.750%
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: $842
 
 
Schools First FCU
3.072%
9/27/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $995
 
 
First Tech Credit Union
2.814%
9/21/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $899
 
 

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.



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.

Mortgage Rates By State