Conforming mortgage ratesare higher today, the second consecutive day of an increase in rates. Mortgage rates on 30 year home loans are averaging averaging 4.05%, an increase from yesterday’s average 30 year mortgage rate of 4.00%. Current mortgage rates on 15 year mortgage loans are averaging 3.30%, unchanged from yesterday’s average 15 year mortgage rate.   

Compare today's mortgage rates from several lenders by using our rate tables here: MortgageRates.MonitorBankRates.com. Unlike most websites, no personal information is needed to view a list of mortgage rates.



Mortgage interest rates today on 30 year jumbo home loans are averaging 4.46%, up from yesterday’s average 30 year jumbo mortgage rate of 4.41%. 15 year jumbo mortgage rates today are averaging 3.68%, unchanged from yesterday's average 15 year jumbo mortgage rate.

Mortgage Rates

Conforming Adjustable Mortgage Loans - Today’s Mortgage Interest Rates

1 year home loan adjustable mortgage rates today are averaging 3.62%, down from last week’s average 1 year adjustable mortgage rate of 3.63%.

3 year adjustable current mortgage interest rates today are averaging 2.47%, down  from last week’s average 3 year adjustable mortgage rate of 2.54%.

5 year adjustable mortgage rates are averaging 2.62%, down from the prior week’s average 5 year adjustable rate of 2.83%.

Current 7 year adjustable mortgage rates are averaging 2.96%, up from the previous week’s average 7 year adjustable mortgage rate of 2.91%.

10 year adjustable mortgage rates currently are averaging 3.48%, down from last week’s average 10 year adjustable rate of 3.50%.

Adjustable Jumbo Home Loans – Current Mortgage Rates

Current 1 year adjustable jumbo mortgage rates are averaging 4.50%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging lower at 3.35%, down from last week’s average 3 year jumbo adjustable rate of 3.36%.

5 year adjustable jumbo mortgage rates and refinance rates currently are averaging 2.86%, down from last week’s average jumbo adjustable rate of 3.00%.

7 year jumbo adjustable mortgage rates and refinance rates today are averaging 3.46%, down from last week’s average 7 year adjustable home loan rate of 3.47%.

10 year jumbo loan rates and refi rates are averaging 3.73%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 3.82%.

Conforming IO Adjustable Home Loans – Mortgage Interest Rates Today

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 3.11%, down from last week’s average interest only mortgage loan rate of 3.21%.

5 year IO adjustable loan mortgage rates and mortgage refinance rates are averaging 2.89%, no change from last week’s average five year interest only mortgage rate.

7 year interest only adjustable mortgage rates and refinance rates are averaging 3.19%, up from last week’s average 7 year interest-only mortgage interest rate of 3.16%.

IO Jumbo Home Loans – Today's Mortgage Rates

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.64%, down from last week’s average jumbo adjustable mortgage interest rate of 3.66%.

Current 5 year adjustable jumbo interest only rates are averaging 3.33%, down from last week’s average IO home mortgage interest rate of 3.38%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.61%,  down from last week’s average jumbo 7 year home mortgage loan rate 3.64%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.23%, down from last week’s average home equity loan rate of 6.25%.

15 year home equity rates are averaging 6.38%, down from last week’s average home equity loan rate of 6.41%.

Home Equity Line of Credit 

Home equity line of credit rates currently are averaging 4.84%, up last week’s average rate HELOC rate of 4.81%.

Mortgage Calculator with PMI

Monitor Bank Rates offers a free mortgage loan calculator with taxes, PMI and an amortization schedule you can use to calculate how much home you can afford. You can find the mortgage calculator under our “Calculators” section.

Mortgage Rates Widget

Monitor Bank Rates also offers free mortgage rate widgets including state average mortgage rates that are automatically updated daily. Our mortgage rate widgets are free for anyone to use on their website, you can find the mortgage rate widgets under our “Widgets” section.

Loan Type

Purchase Refinance with Cash out Refinance

State

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FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Mortgage Rates December 3, 2023