Mortgage Rates: Lowest 30 Year Mortgage Rates Today at 3.625%

Mortgage rates retreated this week, average 30 year conforming mortgage rates declined to 4.33 percent today, down from last week's average 30 year mortgage rate of 4.39 percent. Fixed mortgage rates are lower this week on lower bond yields, which fell 10 basis points over the past week to close at 2.68 percent.

With the confirmation of Janet Yellen as the new Federal Reserve Chair all but certain, investors have breathed a slight of relief that the Fed won't change their easing anytime soon. The Fed has kept bond rates and mortgage interest rates low through a series of policies including buying mortgage-backed securities and long term U.S. bonds. Janet Yellen has advocated to keep the easing going for now, which will keep a lid on mortgage rates.

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 JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.258
4.250
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $299
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
4/18/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.316
4.250
USD
Northwest Federal Credit Union
4.316%
4/17/2019
4.250%
at 0.750 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.343
4.250
USD
Bank of America
4.343%
4/17/2019
4.250%
at 0.671 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.345
4.250
USD
Apple Federal Credit Union
4.345%
4/17/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.278
4.250
USD
TD Bank, NA
4.278%
4/19/2019
4.250%
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.432
4.375
USD
State Department Federal Credit Union
4.432%
4/22/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/23/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.328
4.250
USD
Virginia Credit Union
4.328%
4/23/2019
4.250%
at 0.375 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.539
4.500
USD
Fulton Bank, NA
4.539%
4/23/2019
4.500%
at 0.125 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/23/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 

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.






Search for Rates in Your State Here: Current Mortgage Rates

Mortgage Rates Lowest 30 Year Mortgage Rates Today at 3625If you're searching for 30 year conforming mortgage refinance rates, we have lenders quoting rates below the average of 4.33 percent. Currently, the lowest 30 year refinance rates in our database are at 3.625 percent with just under 1 mortgage point. The best 30 year refinancing rates without points are currently at 4.00 percent, still below the average rate.

For the rest of 2013, 30 year conforming rates will be range-bound between 4.00 percent and 4.50 percent. Interest rates are headed higher in 2014, so now is the time to lock in a rate if you're buying a home. If you're refinancing your loan, you should also do so now since rates are moving higher.

Average 15 Year Mortgage Rates at 3.37%, Best 15 Year Rates at 2.75%


Average 15 year conventional mortgage rates are down to 3.37 percent this week, a decline from the prior week's average 15 year mortgage rate of 4.45 percent. For the rest of 2013, average mortgage rates on 15 year conforming loans will be in a range of 3.10 percent to 3.60 percent.

The lowest 15 year mortgage rates available in our database are more than 50 basis points below the average rate. Right now the best 15 year mortgage rate quoted by lenders is at 2.75 percent with points. The lowest 15 year rates without points is below the average and still below 3.00 percent at 2.99 percent.

Current Mortgage Rates on 30 Year Jumbo Loans


30 year jumbo mortgage rates today are averaging 4.51 percent, a decline from the previous week's average 30 year jumbo mortgage rate of 4.54 percent. For the rest of this year, average 30 year jumbo mortgage interest rates will be in a range of 4.30 percent and 4.70 percent.

The best jumbo mortgage rates in our database right now are 0.51 percent below the average rate at 4.00 percent with 2 mortgage points. The best jumbo refinance rates without points right now in our database are also below the average at 4.125 percent.

15 Year Jumbo Mortgage Rates Today


Average 15 year jumbo mortgage rates today are at 3.93 percent, down from last week's average 15 year mortgage rate of 3.98 percent. 15 year jumbo rates on average will remain under 4.10 percent for the rest of 2013 and might move as low as 3.75 percent.

Currently, the best 15 year jumbo mortgage refinance rates in our database are more than 75 basis points below the average. The lowest rate right now in our database are at 3.125 percent with 1.25 mortgage points. The lowest 15 year jumbo refi rates without points right now are at 3.50 percent.

Today's Mortgage Rates on 5 Year Adjustable Loans


5 year conventional adjustable mortgage rates are averaging 3.56 percent today, a slight decline from last week's average 5 year adjustable mortgage rate of 3.57 percent. For the rest of 2013, average 5 year adjustable rates will remain between 3.40 percent and 3.70 percent.

The best 5 year adjustable refinance rates in our database today are well below the average rate. The best rate right now is at 2.125 percent with points, almost 1.50 percent below the average rate. The lowest 5 year rate without points is at 2.49 percent, still 1.00 percent below the average rate.

Current 5 Year Jumbo Adjustable Rates


Current mortgage rates on 5 year jumbo loans are averaging 2.87 percent, down slightly from last week's 5 year jumbo adjustable rate of 2.88 percent. 5 year jumbo rates will remain in a range of 2.75 percent and 3.00 percent for the rest of 2013.

Right now, the lowest 5 year jumbo adjustable refi rates in our database are much lower than the average at 2.125 percent. The best jumbo rates on 5 year adjustable loans is also below the average at 2.49 percent.
 
 
Author: Brian McKay
November 19th, 2013
Posted in: Bank Mortgage Rates