Home Mortgage Rates and Refinance Rates: 30 Year Conforming Mortgage Rates Averaging 4.89%, 15 Year Jumbo Mortgage Rates Averaging 4.61%

Home mortgage rates and refinance rates are mixed today. 30 year conforming mortgage rates and 15 year jumbo mortgage rates are higher. 15 year conforming mortgage rates and 30 year jumbo mortgage rates are lower. 30 year conventional mortgage rates and mortgage refinance rates are averaging 4.89 percent,  up from yesterday's average 30 year mortgage rate and refinance rate of 4.88 percent. 30 year home mortgage rates and home refinance mortgage rates in Massachusetts are lower than the national average rate. Current 30 year MA mortgage rates are averaging 4.86 percent.

Today's 15 year mortgage refinance mortgage rates and mortgage rates are averaging 4.22 percent, down from yesterday’s average 15 year home mortgage loan rate and refinance rate of 4.24 percent. 15 year home mortgage rates and refinance rates in Vermont are higher averaging 4.24 percent.

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 Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.354
4.250
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $3,395
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.079
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,885
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
4.784
4.700
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 0.100 pts
45 day lock rate
Est payment: $1,555.91
Fees in APR: $2,582
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.267
4.125
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,046
 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.796
4.750
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 385 - 1690
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,590
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.512
4.500
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $415
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.242
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.000 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $56
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.375
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.069
4.000
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,482
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.004
3.865
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 1.100 pts
30 day lock rate
Est payment: $1,409.00
Fees in APR: $1,712
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
9.489
9.125
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,132
Thank you for your inquiry! We look forward to working with you. 
 
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 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 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
 
 
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 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 Liberty Bank
Liberty Bank
300000
Refinance
4.419
4.375
USD
Liberty Bank
4.419%
2/22/2019
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 Union Savings Bank
Union Savings Bank
300000
Refinance
4.524
4.500
USD
Union Savings Bank
4.524%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $852
 
 
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%
2/22/2019
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 The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.542
4.500
USD
The Guilford Savings Bank
4.542%
2/22/2019
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 Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.550
4.500
USD
Citizens Bank, NA
4.550%
2/22/2019
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 Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/22/2019
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 UniBank for Savings
UniBank for Savings
300000
Refinance
4.786
4.750
USD
UniBank for Savings
4.786%
2/22/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $500
 
 

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.





Refinance Rates and Mortgage Rates


30 year jumbo refinance rates today and mortgage rates today are averaging 5.40 percent, down from yesterday’s average 30 year jumbo home loan rate and refinance loan rate of 5.42 percent. 30 year jumbo home mortgage rates and home refinance rates in Indiana are slightly higher averaging 5.43 percent.

15 year jumbo refinance mortgage rates and mortgage rates are averaging 4.61 percent, up from yesterday’s average 15 year jumbo loan rate and 15 year jumbo refinance rate of 4.57 percent. 15 year jumbo home mortgage rates and mortgage refinance rates in Delaware are higher averaging 4.58 percent.

Following is a more in-depth mortgage report released by MonitorBankRates.com earlier this week:

Current Mortgage Rates & Mortgage Refinance Rates


Conforming 30 year mortgage rates and refinance rates are averaging 4.66  percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.49 percent. 

Current conforming 15 year home refinance rates and home mortgage rates are averaging 4.05 percent, an increase from the previous week’s average 15 year mortgage loan rate and refinance loan rate of 3.86 percent. This is the first time in several months 15 year conforming mortgage rates are above 4.00 percent.

30 year jumbo home mortgage rates today and home refinance rates today are averaging 5.32 percent, up from last week’s average jumbo mortgage rate and jumbo refinance rate of 5.02 percent.

Current 15 year jumbo home mortgage rates and refinance rates  are averaging at 4.60 percent, up from the prior week’s average jumbo mortgage loan rate of 4.23 percent.

Use our free mortgage calculator and free mortgage refinance calculator to calculate your monthly mortgage payments.

Conforming Adjustable Mortgage Rates and Adjustable Mortgage Refinance Rates


1 year adjustable current refinancing rates and mortgage rates today are averaging 3.10 percent, up from last week’s average 1 year adjustable home mortgage refinance rate and mortgage loan rate of 3.05 percent. 

3 year adjustable mortgage rates and current refinancing mortgage rates are averaging 3.26 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.37 percent.

5 year adjustable mortgage loan rates today are averaging 3.33 percent, up from the prior week’s average mortgage rate of 3.16 percent. Current refinance rates are also averaging 3.33 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.66 percent, up from the previous week’s average 7 year home mortgage rate of 3.49 percent. Current refinance mortgage rates are also higher, averaging 3.66 percent.

10 year adjustable mortgage loan rates today are averaging 4.30 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.98 percent. Current mortgage refinance rates for 10 year home loans are also averaging 4.30 percent.

Jumbo Adjustable Mortgage Refinance Rates and Adjustable Jumbo Mortgage Rates


1 year jumbo adjustable loan rates are averaging 3.32 percent, down considerably from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate of 4.92 percent. Today refinance rates on 1 year jumbo refinance loan mortgage rates today are also lower 3.32 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.21 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.06 percent. Today’s refinance interest rates on 3 year jumbo adjustable mortgage loans are also higher averaging 4.21 percent. 

5 year adjustable jumbo mortgage rates today are averaging 3.76 percent, up from last week’s average mortgage rate of 3.62 percent. Today’s refi mortgage rates on 5 year jumbo home loans are also averaging 3.76 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.46 percent, up from last week’s average 7 year home mortgage loan rate of 4.41 percent. 7 year jumbo refinance mortgage rates today are also higher at 4.46 percent.

10 year jumbo loan interest rates are averaging 5.16 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 4.99 percent. 10 year jumbo home loan refinance interest rates today are also higher, averaging 5.16 percent.

Conforming Adjustable Interest Only: Today’s Mortgage Refinance Rates and Interest Only Adjustable Mortgage Rates


3 year interest only adjustable mortgage loan rates today are averaging 3.49 percent, up from last week’s average interest only mortgage loan rate of 3.40 percent. 3 year interest only adjustable refinance mortgage rates are also higher at 3.49 percent.

5 year interest only adjustable loan rates are averaging 3.51 percent, up from last week’s average five year interest only mortgage loan rate of 3.32 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.51 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.91 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.71 percent. 7 year adjustable refinance rate mortgages today are averaging 3.91 percent.

Interest Only Adjustable Current Jumbo Refinance Rates Today and Jumbo Interest Only Mortgage Rates Today


3 year jumbo interest only adjustable mortgage rates today are averaging 4.73 percent, up from last week’s average jumbo adjustable interest only mortgage rate of 4.54 percent. 3 year interest only adjustable jumbo refinance rates today are also higher, averaging 4.73 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.23 percent, up from last week’s average IO home mortgage interest rate of 4.13 percent. 5 year jumbo adjustable IO loan rates are also averaging higher at 4.23 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.78 percent, up from an average jumbo 7 year home mortgage rate of 4.70 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.78 percent.

Current Home Equity Loan Rates


Current 10 year home equity loan rates are averaging 6.686 percent, down from last week’s average home equity rate of 6.700 percent.

Today’s 15 year home equity rates are averaging 7.072 percent, down from last week’s average home equity rate of 7.088 percent.

HELOC Rates


Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
 
 
Author: Brian McKay
December 21st, 2010