Mortgage Rates Hit All Time Low: 30 Year Mortgage Rates at 4.67%

Mortgage rates hit an all time low this morning continuing the recent decline in mortgage rates over the past several weeks. Slower economic growth and a weak employment report are sending bond yields and mortgage rates lower.

Another factor sending mortgage rates lower is the recent FOMC statement on keeping the fed funds rate at 0% to 1/4%. In addtion to keeping the fed funds rate at current levels the fed also commented that current economic recovery will be moderate and inflation is heading lower. In fact, the fed feels inflation will be low for some time to come. 

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.679
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,575
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.873
4.750
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $3,911
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.783
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,442
 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.687
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,869
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.580
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,858
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.679
4.575
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,533.45
Fees in APR: $3,315
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.694
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $4,043
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.795
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,847
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.848
4.750
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $3,059
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.760
4.750
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $362
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.750
4.750
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.750
4.750
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.035
5.000
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,610.46
Fees in APR: $1,203
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.654
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $995
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.752
4.750
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $83
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.125
5.125
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.875
4.875
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.655
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,379
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.785
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,199
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.547
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,700
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.565
4.375
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $3,332
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,872
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
5.093
5.000
USD
Virginia Credit Union
5.093%
11/13/2018
5.000%
at 0.500 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.907
4.875
USD
LincolnWay Community Bank
4.907%
11/13/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.683
4.625
USD
State Department Federal Credit Union
4.683%
11/12/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
5.099
5.000
USD
Apple Federal Credit Union
5.099%
11/14/2018
5.000%
at 1.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
5.280
5.250
USD
Fulton Bank, NA
5.280%
11/13/2018
5.250%
at 0.000 pts
60 day lock rate
Est payment: $1,656.61
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.163
5.125
USD
Raymond James Bank, NA
5.163%
11/13/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
5.048
4.990
USD
Bank of Oak Ridge
5.048%
11/15/2018
4.990%
at 0.377 pts
60 day lock rate
Est payment: $1,608.63
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.075
5.000
USD
Citizens Bank, NA
5.075%
11/16/2018
5.000%
at 0.375 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.789
4.750
USD
TD Bank, NA
4.789%
11/16/2018
4.750%
at 0.125 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
5.184
5.125
USD
Santander Bank, N.A.
5.184%
11/16/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.858
4.750
USD
Bank of America
4.858%
11/14/2018
4.750%
at 0.811 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Armed Forces Bank, N.A.
Armed Forces Bank, N.A.
300000
Refinance
5.029
5.000
USD
Armed Forces Bank, N.A.
5.029%
11/14/2018
5.000%
at 0.000 pts
30 day lock rate
Est payment: $1,610.46
Fees in APR: $999
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
5.069
5.000
USD
Northwest Federal Credit Union
5.069%
11/14/2018
5.000%
at 0.750 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $79
 
 

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.






Looking for current mortgage rates and refinance rates? Use our mortgage rate tables at MortgageRates.MonitorBankRates.com to find mortgage rates in your state. Unlike most websites no personal information is needed to display a list of mortgage rates.

Following is a mortgage rates report released by MonitorBankRates.com on Monday:


Mortgage Rates Today


Current 30 year mortgage rates are down to 4.72 percent, down from last week’s average mortgage rate of 4.76 percent. This is the lowest point this year for 30 year mortgage rates. Current 15 year mortgage rates were also lower this week. 15 year mortgage rates are currently averaging 4.14 percent, down from last week’s average 15 year mortgage rate of 4.25 percent.

Current Jumbo Mortgage Rates


Today’s 30 year jumbo mortgage rates are averaging 5.33 percent, a decline from last week’s average jumbo loan rate of 5.40 percent.  30 year jumbo refinance rates today are also averaging 5.33 percent.

Today’s 15 year jumbo loan rates are averaging 4.75 percent, down from the prior week’s average jumbo mortgage rate of 4.85 percent last week. Current 15 year jumbo refinance mortgage rates are also lower this week over last. The current 15 year jumbo refinance rate is averaging 4.75 percent.

Current Adjustable Mortgage Rates - Conforming


1 year adjustable mortgage rates are averaging 3.56 percent, down from last week’s average 1 year adjustable interest mortgage rate of 3.71 percent. 1 year adjustable refinance mortgage rates today are currently averaging 3.56, a decline from last week’s average refinance rate of 3.71 percent.

3 year adjustable mortgage rates are closing in on 4.00 percent. The current average 3 year adjustable mortgage rats is averaging 4.09 percent, down from last week’s average mortgage rate of 4.36 percent. Current 3 year mortgage refinance rates are also lower this week, averaging 4.09 percent.

Currently, 5 year adjustable mortgage loan rates are averaging 3.54 percent, down from the prior week’s average home loan rate of 3.67 percent. Current 5 year refinance home mortgage rates are averaging 3.54 percent this week.

7 year adjustable mortgage rates are averaging 3.88 percent this week, a decline from last week’s average 7 year mortgage loan rate of 4.13 percent. Current 7 year mortgage refinance rates today are averaging 3.88 percent.

Today’s 10 year adjustable bank mortgage rates are averaging 4.33 percent this week, down from last week’s average 10 year adjustable mortgage rate of 4.46 percent. 10 year home loan mortgage refinance rates are also lower, averaging 4.33 percent.

Jumbo Adjustable Mortgage Rates Today


1 year jumbo adjustable mortgage loan rates are averaging 5.95 percent, no change from last week’s average 1 year adjustable jumbo interest mortgage rate. Today’s 1 year jumbo refinance mortgage rates are also averaging 5.95 percent.

3 year jumbo adjustable mortgage rates today are averaging 4.64 percent, down from the previous week’s average jumbo bank mortgage rate of 4.74 percent. Current 3 year jumbo refinance mortgage rates are also lower, averaging 4.74 percent.

5 year jumbo adjustable interest mortgage rates are averaging 4.04 percent this week, down from last week’s average mortgage rate of 4.16 percent. 5 year jumbo refinance rates are averaging 4.04 percent.

7 year jumbo adjustable mortgage rates are averaging 4.78 percent, a decline from last week’s average 7 year home loan mortgage rate of 4.86 percent. 7 year jumbo refinance rates today are also down to 4.78 percent.

Today’s 10 year home jumbo mortgage rates are averaging 5.49 percent, down from last week’s average 10 year jumbo home mortgage rate of 5.60 percent. 10 year jumbo home loan refinance rates are also averaging 5.49 percent today.

Interest Only Conforming Mortgage Rates Current


3 year interest only home mortgage rates are averaging 4.26 percent, a big decrease from last week’s average interest only mortgage loan rate of 4.54 percent.

Today’s 5 year interest only mortgage rates today are averaging 3.71 percent, down from last week’s average five year interest only mortgage loan rate of 3.86 percent.

Current 7 year interest only home mortgage rates today are averaging 4.02 percent, down from an average mortgage rate of 4.30 percent last week.

Today's Jumbo Interest Only Mortgage Rates


3 year jumbo interest only loan mortgage rates are averaging 5.60 percent this week, unchanged from last week’s average jumbo interest only mortgage rate.

Current 5 year jumbo interest only home loan rates are averaging 4.63 percent, down from an average IO home mortgage rate of 4.81 percent.

7 year jumbo IO mortgage rates are averaging 5.07 percent, down from an average jumbo 7 year home mortgage rate of 5.18 percent last week.

Current Home Equity Loan Rates


10 year home equity loan rates are averaging 7.139 percent, unchanged from last week’s average home equity loan interest rate.

15 year home equity rates are averaging 7.446 percent this week, unchanged from last week’s average home equity loan rate.

Home Equity Line of Credit Rates Today


The average home equity line of credit rate (HELOC) is averaging 4.777 percent this week, no change from last week’s average HELOC rate.

 
 
Author: Brian McKay
July 3rd, 2010
Posted in: Bank Mortgage Rates