Mortgage Rates Move Lower Today: Best 15 Year Rates Just Under 3.00%

Today's mortgage rates moved lower as 10 year bond yields fell from recent highs set earlier this week. 10 year bond rates peaked this week at 2.88 percent and are currently at 2.83 percent, as a result mortgage rates are lower and will decline more this week.

Ten year bond rates hit a recent high of 2.88 percent and looked to break through 2.90 percent have fallen the past couple of days down to 2.81 percent. This decline will send mortgage rates lower over the rest of this week. As for the rest of 2013, average mortgage rates will remain near current levels. There will be no big moves in rates unless the budget deal reached in Washington is voted down.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.194
4.125
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,156
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.232
4.125
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,515
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.459
4.375
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $2,654
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.280
4.250
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 3511
(844) 365 - 0536
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,082
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.671
4.625
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 385 - 1690
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,590
 
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.265
4.250
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $551
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
4.650
4.625
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $857
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.250
4.250
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.148
4.125
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $826
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.034
3.875
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 1.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $2,417
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.542
4.500
USD
The Guilford Savings Bank
4.542%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.523
4.500
USD
Savings Bank of Danbury
4.523%
2/15/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.550
4.500
USD
Citizens Bank, NA
4.550%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.649
4.625
USD
Union Savings Bank
4.649%
2/15/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.419
4.375
USD
Liberty Bank
4.419%
2/15/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.786
4.750
USD
UniBank for Savings
4.786%
2/15/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.815
4.750
USD
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.405
4.375
USD
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/21/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.280
4.250
USD
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.401
4.375
USD
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.373
4.250
USD
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 

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.





Mortgage Rates


Mortgage Rates Today Move Lower Best 15 Year Rates Just Under 300Mortgage rates today on 15 year conforming loans are averaging 3.44 percent, a decline from last week's average 15 year mortgage rate of 3.46 percent. The outlook for average 15 year conventional mortgage rates this month is within current ranges. Average rates could drop as low as 3.25 percent and on the upside, rates could increase to around 3.65 percent.

The best 15 year mortgage rates in our database for the state of New Jersey are still under 3.00 percent at 2.875 percent with points. The lowest 15 year rate without points is at 3.125 percent, still below the average rate. Lenders in our databases are quoting the same 15 year mortgage refinance rates in most states right now.

30 Year Conforming Mortgage Rates


30 year conforming mortgage rates are currently averaging 4.42 percent, a slight decline from last week's average 30 year mortgage rate of 4.43 percent.  Average 30 year rates will also remain near current levels for the rest of 2013. On the low side, rates could drop as low as 4.25 percent or move as high as 4.65 percent.

Today's 30 year mortgage rates in our database are quoted below the average of 4.42 percent and below 4.00 percent if you're willing to pay points. The lowest 30 year refinance rate right now in our database for California is 3.875 percent with points and the lowest rate without points is quoted at 4.125 percent. The same lenders are also quoting 30 year refinance rates in most other states in our databases.

30 Year Jumbo Mortgage Rates Today


Average 30 year jumbo mortgage rates today are at 4.52 percent, an increase from last week's average 30 year jumbo mortgage rate of 4.46 percent. The increase in average jumbo rates this week will be temporary and rates will decrease this week. For the remainder of 2013, average 30 year jumbo rates will be in a range of 4.35 percent to 4.70 percent.

The lowest jumbo mortgage rates in our database for the state of Colorado are currently at 4.125 percent with 1.33 mortgage points. The lowest 30 year jumbo refi rates without points are still below the average at 4.375 percent.

Today's 15 Year Jumbo Rates


Today's mortgage rates on 15 year jumbo loans are averaging 3.82 percent, down from last week's average 15 year jumbo rates of 3.85 percent. For the rest of 2013, average 15 year jumbo rates will probably be in a range of 3.65 percent to 4.00 percent. Right now the lowest 15 year jumbo rates in our databases are lower than the average.

The lowest 15 year jumbo refi rate in our database for the state of Florida is currently at 3.50 percent with points. The lowest 15 year jumbo refi rate without points in FL is at 3.875 percent, just above the national average rate.

Current 5 Year Adjustable Mortgage Rates


Conventional 5 year adjustable refinance mortgage rates are averaging 3.49 percent, a large decline from last week's average 5 year adjustable rate of 3.61 percent. For the rest of 2013, average 5 year adjustable rates will probably remain between 3.35 percent and 3.70 percent.

Currently, the lowest 5 year adjustable refinance rates in our database are much lower than the average rate. The lowest 5 year refi rate with points in our database for Texas is at an incredibly low rate of 2.125 percent. The lowest 5 year TX refi rate without point is also way below the average at 2.625 percent.

Jumbo 5 Year Adjustable Mortgage Rates Today


Jumbo adjustable mortgage rates today on 5 year jumbo loans are averaging 2.89 percent, an increase from the previous week's average 5 year jumbo rate of 2.83 percent. 5 year jumbo rates will remain in a range of 2.60 percent to 3.10 percent for the rest of this year.

Right now the lowest 5 year jumbo refinance rates in our database are also more than 1.00 percent below the average. The best 5 year jumbo rate in our database for the state of Pennsylvania is currently at 2.25 percent with points. The lowest 5 year jumbo refi rate without points in PA is currently at 2.75 percent, also more than 1.00 percent below the average rate.
 
 
Author: Brian McKay
December 11th, 2013
Posted in: Bank Mortgage Rates