Home Mortgage Rates Move Lower: 30 Year Home Mortgage Rates at 4.85%, 15 Year Home Mortgage Rates at 4.27%

Home mortgage rates moved lower this past week, following U.S. Treasury yields lower. Current 30 year home mortgage rates are averaging 4.85percent, down from an average 30 year home mortgage rate of 4.96 percent earlier this week. U.S. Treasury yields moved considerably lower on Friday when the markets started worrying about the European government debt problems. Hungary is the latest county the markets are worried about. 

Searching for home mortgage rates and home refinance rates? Use our home mortgage rates table at MortgageRates.MonitorBankRates.com to find a list of current home mortgage rates and home refinance rates in your state. Unlike most websites, no personal information is needed for a list of home mortgage rates.

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.






Surprisingly 15 year home mortgage rates were unchanged this week at 4.27 percent. 15 year home mortgage rates are very near historic lows and probably will break new lows if the current problems in Europe continue next week.

Current Jumbo Home Mortgage Rates


Current 30 year jumbo home mortgage rates are averaging 5.49 percent, a slight decrease from Monday's average jumbo home mortgage interest rate of 5.52 percent. Current 30 year jumbo home mortgage refinance rates are also lower. Today's 30 year jumbo home mortgage refinance rates are averaging 5.49 percent.

Current 15 year jumbo home mortgage rates are averaging 4.92 percent, up from an average jumbo loan home mortgage rate of 4.90 percent. Today's 15 year jumbo home mortgage refinance rates are also higher since Monday. Today's 15 year jumbo refinance home mortgage rates are averaging 4.90 percent.

Today's Adjustable Home Mortgage Rates


Current 1 year conforming adjustable home mortgage rates are averaging 3.73 percent, down from an average 1 year adjustable home mortgage rate of 3.78 percent. Current 1 year adjustable home mortgages for refinancing are averaging 3.73.

Current 3 year conforming adjustable rate home mortgages are averaging 4.29 percent, down 21 basis points from Monday's average home mortgage rate of 4.50 percent. Today's 3 year refinance home mortgage rates are also down since Monday. The current average 3 year refinance mortgage rate is 4.29 percent.

Current 5 year conforming adjustable rate home mortgages are averaging 3.73 percent, down from an average loan home mortgage rate of 4.07 percent. Current 5 year refinance home mortgage rates are also down since Monday. The current average refinance home rate is 3.73 percent.

Currently, 7 year conforming adjustable home mortgage rates are averaging 4.21 percent this week, down from an average 7 year  mortgage home rate of 4.24 percent. Current 7 year home refinance rates were also down to 4.21 percent.

10 year conforming adjustable home mortgage rates today are averaging 4.41 percent, down from an week’s average 10 year home mortgage rate of 4.45 percent. Today’s 10 year home loan mortgage refinance rates are averaging 4.41 percent.

Jumbo Adjustable Home Mortgage Rates


1 year jumbo adjustable home mortgage interest rates are averaging 5.95 percent this week. Unchanged from an average 1 year home jumbo adjustable mortgage rate on Monday. Current 1 year jumbo refinance home mortgage rates are also averaging 5.95 percent.

3 year jumbo adjustable home rate mortgages are averaging 5.00 percent, up from an average jumbo home mortgage rate of 4.80 percent. Current 3 year jumbo home mortgage refinance rates are also up to 5.00 percent since Monday. 

Current 5 year jumbo adjustable mortgage rates are averaging 4.40 percent, down from an average mortgage rate of 4.45 percent. Current 5 year jumbo home refinance loan rates are averaging 4.40 percent.

Today, 7 year jumbo adjustable home rate mortgages are averaging 5.26 percent, unchanged from Monday's average 7 year home loan rate. Current 7 year jumbo refinance rates are also unchanged at 5.26.

Current 10 year jumbo home mortgage interestt rates are averaging 5.65 percent, down from an average 10 year jumbo home mortgage interest rate of 5.67 percent. Currently, 10 year jumbo home loan refinance rates are also averaging 5.65 percent.

Interest Only Home Mortgage Rates


Current conforming 3 year interest only home mortgage rates are averaging 4.43 percent, down 20 basis points from Monday's average IO home mortgage rate of 4.63 percent.

Today's 5 year conventional interest only home loans are averaging 3.84 percent, down from an week’s average five year interest only home mortgage rate of 4.05 percent.

Currently, 7 year IO home mortgage loans are averaging 4.35 percent, down from an average interest only mortgage rate of 4.41 percent.

Interest Only Jumbo Home Mortgage Rates


3 year jumbo interest only home mortgage rates are averaging 5.47 percent, up from an average jumbo interest mortgage rate of 5.35 percent.

5 year jumbo IO loan home mortgage rates are averaging 5.01 percent, down from an average IO home mortgage rate of 5.03 percent.

Current 7 year jumbo IO home mortgage loans are averaging 5.57 percent, down from an average jumbo 7 year home mortgage rate of 5.79 percent.

Home Equity Loan Rates


10 year home equity loan rates are averaging 7.255 percent, a decrease from last week’s average home equity loan rate of 7.293 percent.

15 year home equity rates are averaging 7.416 percent this week, unchanged from last week’s average home equity rate.

Home Equity Line of Credit Rates (HELOC)


The current average home equity line of credit rates are averaging 4.777 percent this week, up from last week’s average HELOC rate of 4.664.
 
 
Author: Brian McKay
June 5th, 2010