Mortgage Rates Today and Refinance Rates: 30 Year Mortgage Rates and Refinance Rates Averaging 4.82%

Today's mortgage rates and refinancing rates are higher compared to yesterday's rates. 30 year mortgage rates and refinancing rates today are averaging 4.82 percent, up from yesterday’s average 30 year mortgage rate and refinance rate of 4.69 percent. Conforming 30 year mortgage refinance rates and loan rates in New Jersey are slightly lower than the current national average rate. Current 30 year mortgage rates and refinance mortgage rates in New Jersey averaging 4.80 percent.

15 year mortgage rates and refinance mortgage rates today are currently averaging 4.14 percent, up from yesterday’s average 15 year mortgage rate and refinance rate of 4.05 percent. 15 year refinance mortgage rates and mortgage interest rates in Ohio are slightly lower than the national average 15 year interest rate. Today's 15 year interest rates in Ohio are averaging 4.12 percent.

30 year jumbo mortgage rates and jumbo refinancing rates are averaging 5.38 percent, up yesterday’s average 30 year jumbo rate and refi mortgage rate of 5.24 percent. 30 year jumbo mortgage loan rates and jumbo refinance loan rates in Michigan are lower than the national average rate. 30 year refinancing rates and jumbo mortgage rates in Michigan are averaging 5.31 percent.

15 year jumbo refinancing interest rates and jumbo rates today are averaging 4.49 percent, down from yesterday’s average jumbo loan rate and 15 year jumbo refi rate of 4.69 percent. 15 year jumbo interest mortgage rates and refinance interest rates in Georgia are higher than the national average. 15 year mortgage rates and refinancing loan rates in Georgia are averaging 4.60 percent. Track mortgage rates by using our rates widgets.

Following is a more in-depth home mortgage loan rates report released by this past Monday:

Mortgage Rates Today & Refinance Rates Today

30 year conforming mortgage rates and refinance rates today are averaging 4.77 percent, up from last week’s average 30 year home loan rates and refi rate of 4.74 percent. 

15 year mortgages rates and refinance rates are currently averaging 4.16 percent, an increase from last week when 15 year mortgage loan rates and refinance loan rates averaged 3.99 percent. 

30 year jumbo refinance mortgage rates and 30 year jumbo mortgage rates currently are averaging 5.27 percent, down from last week’s average jumbo rate and jumbo refi rate of 5.39 percent.

15 year jumbo rates and jumbo refinance rates are averaging 4.60 percent, an increase from the prior week’s average jumbo mortgage rate of 4.45 percent. 

Conforming Adjustable Mortgage Rates Current and Conforming Adjustable Mortgage Refinancing Rates

The current refinancing rate and mortgage loan rate on 1 year adjustable rates are averaging 3.06 percent, down from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 3.12 percent.

3 year adjustable current mortgage refinancing rate rates and adjustable loan rates are averaging 3.38 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.37 percent.

Current refinance rates and interest rates on 5 year adjustable mortgages are averaging 3.30 percent, up from the prior week’s average rate of 3.26 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable mortgage loans are averaging 3.77 percent, up from the previous week’s average 7 year loan rate of 3.63 percent.

10 year adjustable mortgage loan rates today are averaging 4.35 percent this week, up from last week’s average 10 year adjustable rate of 4.28 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.35 percent.

Adjustable Jumbo Refinancing Mortgage Rates and Jumbo Mortgage Rates Current

1 year jumbo adjustable loan rates are averaging 3.63 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. Today refinance rates on 1 year jumbo loans are also averaging 3.63 percent.

3 year adjustable jumbo rates are averaging higher at 4.25 percent, up from last week’s average 3 year jumbo adjustable rate of 4.23 percent. Today’s refinance interest rates on 3 year jumbo mortgage loans are also higher, averaging 4.25 percent.

5 year adjustable jumbo interest rates today are averaging 3.72 percent, up from last week’s average jumbo adjustable rate of 3.66 percent. Today’s refi mortgage interest rates are also averaging 3.66 percent.

7 year jumbo adjustable loan rates today are averaging 4.65 percent, up from last week’s average 7 year adjustable home loan rate of 4.56 percent. 7 year jumbo refinance loan rates are also higher at 4.65 percent.

Today’s 10 year jumbo loan rates are averaging 5.26 percent, up from the prior week’s average 10 year jumbo home loan rate of 5.10 percent. 10 year jumbo refinance interest rates are also higher, averaging 5.26 percent.

Conforming Interest Only Adjustable Mortgage interest Rates and Interest Only Refinancing Interest Rates

3 year interest only adjustable mortgage loan rates are averaging 3.58 percent, unchanged from last week’s average interest only mortgage loan rate. 3 year interest only adjustable refinance mortgage rates are also unchanged, averaging 3.58 percent.

5 year interest only adjustable loan rates are averaging 3.49 percent, up from last week’s average five year interest only mortgage loan rate of 3.43 percent. Today’s 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.49 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.98 percent, up from last week’s average 7 year interest-only mortgage interest rate of 4.81 percent. 7 year adjustable refi loan rates are averaging 3.98 percent.

Jumbo Mortgage Loan Rates and Mortgage Loan Refi Rates on Interest Only Adjustable Jumbo Mortgages

3 year jumbo interest only adjustable loan rates are averaging 4.78 percent, unchanged from last week’s average jumbo adjustable interest only rate. 3 year interest only adjustable jumbo refi rates are also unchanged averaging 4.78 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.20 percent, unchanged from last week’s average IO home mortgage interest rate. 5 year jumbo adjustable IO loan rates are also unchanged, averaging at 4.20 percent.

7 year jumbo interest only adjustable rates are averaging 4.96 percent, up from an average jumbo 7 year home loan rate of 4.89 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.95  percent.

Today’s Home Equity Loan Rates

10 year home equity loan rates are averaging 6.714 percent, unchanged from last week’s average home equity rate.

15 year home equity rates are averaging 7.093 percent, unchanged from last week’s average home equity rate.

Today’s Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
Author: Brian McKay
January 28th, 2011
Posted in: Bank Mortgage Rates