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.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 95816, 2, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from Allied Mortgage Group, Inc.
Allied Mortgage Group, Inc.
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111749.gif
300000
Purchase
3.675%
3.625%
USD
Allied Mortgage Group, Inc. Logo
NMLS # 1067
12/09/2019
at 0.625 pts
30 day lock rate
Est payment: $1,369
Fees in APR: $1,875
Allied Mortgage Group is a direct mortgage lender.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.155%
3.990%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
12/09/2019
at 2.000 pts
45 day lock rate
Est payment: $1,431
Fees in APR: $6,000
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112447.gif
300000
Purchase
3.279%
3.125%
USD
Figure Lending LLC Logo
NMLS # 1717824
12/09/2019
at 1.000 pts
45 day lock rate
Est payment: $1,286
Fees in APR: $5,898
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112447.gif
300000
Purchase
3.279%
3.125%
USD
Figure Lending LLC Logo
NMLS # 1717824
12/09/2019
at 1.000 pts
45 day lock rate
Est payment: $1,286
Fees in APR: $5,898
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Allied Mortgage Group, Inc.
Allied Mortgage Group, Inc.
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111749.gif
300000
Purchase
3.675%
3.625%
USD
Allied Mortgage Group, Inc. Logo
NMLS # 1067
12/09/2019
at 0.625 pts
30 day lock rate
Est payment: $1,369
Fees in APR: $1,875
Allied Mortgage Group is a direct mortgage lender.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.155%
3.990%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
12/09/2019
at 2.000 pts
45 day lock rate
Est payment: $1,431
Fees in APR: $6,000
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Interest Smart Home Loans
Interest Smart Home Loans
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112369.gif
300000
Purchase
3.702%
3.500%
USD
Interest Smart Home Loans Logo
NMLS # 1157416
12/09/2019
at 2.000 pts
30 day lock rate
Est payment: $1,348
Fees in APR: $7,618
SPEAK WITH ONE OF OUR LICENSED MORTGAGE BANKERS NOW!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.912%
3.750%
USD
Rocket Mortgage Logo
NMLS # 3030
12/09/2019
at 2.000 pts
45 day lock rate
Est payment: $1,390
Fees in APR: $6,000
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from HighTechHomeLoans
HighTechHomeLoans
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112330.gif
300000
Purchase
3.528%
3.375%
USD
HighTechHomeLoans Logo
NMLS # 7147
State Lic # 4130937
12/09/2019
at 1.750 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $5,776
HighTechLending is Here To Help
 
PERIOD_FIXED_30YEARS Mortgage Loan from Box Home Loans
Box Home Loans
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112450.gif
300000
Purchase
3.655%
3.500%
USD
Box Home Loans Logo
NMLS # 1359687
State Lic # 60DBO45254
12/09/2019
at 1.875 pts
30 day lock rate
Est payment: $1,348
Fees in APR: $5,858
Easy loans deserve lower costs.
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.



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