Today's 30 year conforming mortgage rates and mortgage refinance rates are averaging 4.76 percent, down from yesterday's average 30 year mortgage rate and refinance rate of 4.77 percent. 30 year mortgage rates and refinance rates in Pennsylvania are lower, averaging 4.74 percent. Right now on our PA rate table Aimloan.com is offering 30 year refinance rates at 4.50 with zero mortgage points.

15 year mortgages rates and refinance rates are averaging at 4.07 percent, down from yesterday's average 15 year mortgage rate and refinancing rate of 4.08 percent. Current 15 year mortgage and refinance rates in Delaware are also averaging 4.08 percent but you can get rates lower than the average. Right now on our 15 year fixed rate list in DE Auroa Bank is offering 15 year refi rates at 3.50 percent with 1.885 percent.



Today's 30 year jumbo mortgage rates and jumbo refi rates are averaging 5.30 percent, up from yesterday's average jumbo rate of 5.29 percent. 30 year jumbo loan rates and jumbo refi rates in Georgia are higher, averaging 5.44 percent.

15 year jumbo rates and jumbo refinancing rates are averaging 4.69 percent, down from yesterday's average jumbo mortgage loan rate of 4.71 percent. 15 year jumbo mortgage rates in New Jersey are lower averaging 4.48 percent.

Mortgage Rates and Refinance Rates

Average 30 year conforming mortgage rates and mortgage refinance rates are at 4.77 percent, down from last week’s average 30 year mortgage rate and refinance rate of 4.81 percent.

Current average 15 year mortgages rates and refinance rates are at 4.08 percent, down from last week when 15 year mortgage rates and refinancing rates averaged 4.11 percent.

Current 30 year jumbo mortgage rates are averaging 5.29 percent, down from last week’s average jumbo rate of 5.35 percent.

15 year jumbo rates are averaging 4.71 percent, down from the prior week’s average jumbo mortgage loan rate of 4.78 percent.

Conforming ARMs and Conforming Adjustable Refinance Rates Today

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 3.14 percent, up from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 3.13 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.47 percent, up from last week’s average 3 year adjustable mortgage rate of 3.37 percent.

Current refinance rates and mortgage rates on 5 year ARMs are averaging 3.18 percent, down from the prior week’s average rate of 3.24 percent.

Today’s refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 3.54 percent, down from the previous week’s average 7 year loan rate of 3.71 percent.

10 year ARMs are averaging 4.18 percent this week, down from last week’s average 10 year adjustable rate of 4.22 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.22 percent.

Adjustable Jumbo Refinance Rates and Jumbo Mortgage Rates Today

Today 1 year jumbo adjustable loan rates are averaging 4.05 percent, up from the prior week’s average 1 year jumbo adjustable loan rate of 3.50 percent. Refinance rates on 1 year jumbo loans are also averaging 4.05 percent.

3 year adjustable jumbo rates are averaging 4.52 percent, down from last week’s average 3 year jumbo adjustable rate of 4.60 percent. Current refinance interest rates on 3 year jumbo loans are also lower, averaging 4.52 percent.

5 year adjustable jumbo interest rates today are averaging 3.59 percent, down from last week’s average jumbo adjustable rate of 3.92 percent. Today’s refinancing mortgage interest rates are also averaging 3.59 percent.

7 year jumbo adjustable loan rates are averaging 4.25 percent, down from last week’s average 7 year adjustable home loan rate of 4.58 percent. 7 year jumbo refinance loan rates are also lower at 4.25 percent.

10 year jumbo loan rates are averaging 4.89 percent, down from the prior week’s average 10 year jumbo home loan rate of 5.28 percent. 10 year jumbo refinance interest rates are also lower, averaging 4.89 percent.

Conventional Interest Only Adjustable Mortgage Rates and Adjustable Interest Only Refi Rates Today

3 year interest only adjustable mortgage loan rates are averaging 3.57 percent, up from last week’s average interest-only mortgage rate of 3.51 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.57 percent.

5 year interest only ARMs are averaging 3.29 percent, down from last week’s average five year interest only mortgage loan rate of 3.48 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.29 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.75 percent, down from last week’s average 7 year interest-only mortgage rate of 3.95 percent. 7 year adjustable refi loan rates are averaging 3.75 percent.

Today's Interest Only Jumbo Mortgage Refi Rates and Interest Only Jumbo Mortgage Rates

3 year jumbo interest only adjustable loan rates are averaging 4.71 percent, down from last week’s average jumbo adjustable interest only rate of 4.78 percent. 3 year interest only adjustable jumbo refi rates are also averaging 4.71 percent.

5 year adjustable jumbo interest only rates are averaging 4.03 percent, down from last week’s average IO home mortgage interest rate of 4.31 percent. 5 year jumbo adjustable IO loan rates are also averaging 4.03 percent.

7 year jumbo interest only adjustable rates are averaging 4.58 percent, down from last week’s average jumbo 7 year home loan rate of 4.90 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.58 percent.

Current Home Equity Loan Rates

10 year home equity loan rates are averaging 6.65 percent, down from last week’s average home equity loan rate of 6.67 percent.

15 year home equity rates are averaging 6.91 percent, down from the prior week’s average home equity loan rate of 7.02 percent.

Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.13 percent, unchanged from last week’s average rate HELOC rate.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Mortgage Rates December 7, 2023