Mortgage Rates Lower on Election Day: 15 Year Conforming Mortgage Rates Today at 2.82%

As more than 100 million Americans vote today for the next President and control of both houses of Congress average mortgage rates are lower today. Current mortgage rates on 15 year conforming loans are averaging 2.82 percent, a decline from yesterday's average 15 year mortgage rate of 2.83 percent. Regardless of which party wins the White House, today's mortgage rates which are just above record lows will probably make new all-time lows before the end of 2012.

Mortgage rates today 30 year conventional loans are also lower averaging 3.43 percent, down from yesterday's average 30 year conventional mortgage rate of 3.45 percent. Before the end of 2012 we can possibly see 30 year mortgage refinance rates drop as low as 3.15 percent and possibly lower. Imagine seeing a 30 year rate below 3.00 percent on average?

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.866
4.625
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $5,237
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
5.044
4.990
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 0.000 pts
30 day lock rate
Est payment: $1,608.63
Fees in APR: $1,825
 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.000
4.000
USD
LoanLock Logo
NMLS # 237507
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.250
4.250
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.796
4.375
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 2.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $8,387
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.225
4.180
USD
Bank of Oak Ridge
4.225%
3/14/2019
4.180%
at 0.250 pts
60 day lock rate
Est payment: $1,463.55
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.551
4.500
USD
Citizens Bank, NA
4.551%
3/15/2019
4.500%
at 0.125 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.345
4.250
USD
Apple Federal Credit Union
4.345%
3/13/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.152
4.125
USD
TD Bank, NA
4.152%
3/15/2019
4.125%
at 0.000 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.326
4.250
USD
Northwest Federal Credit Union
4.326%
3/13/2019
4.250%
at 0.875 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.244
4.125
USD
Bank of America
4.244%
3/13/2019
4.125%
at 0.983 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.550
4.500
USD
Fulton Bank, NA
4.550%
3/19/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.280
4.250
USD
LincolnWay Community Bank
4.280%
3/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.432
4.375
USD
Virginia Credit Union
4.432%
3/19/2019
4.375%
at 0.125 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
Raymond James Bank, NA
4.537%
3/19/2019
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
3/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.557
4.500
USD
State Department Federal Credit Union
4.557%
3/18/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 

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.






Today's refinance rates on 30 year conforming loans can already be found as low as 3.00 percent with points on our rate tables. Right now on our 30 year refinance rates list for New Jersey we have Total Mortgage offering 30 year refinance rates today at 3.00 percent with 2 mortgage points. First Internet Bank and Mortgage Capital Associates are also offering current refinance rates on 30 year loans at 3.00 percent with 2 points.

The lowest refinance rate with the lowest points on our New Jersey refinancing rates list is from Amerisave. Current Amerisave refi rates on 30 year loans are at 3.00 percent with 1.22 points. Currently on our Texas refinance rates list for 30 year conforming loans we have one lender offering rates below 3.00 percent! Amerisave is offering 30 year refi rates in Texas at 2.875 percent with 1.903 points.

I mentioned average 15 year conforming rates above but didn't mention we have many lenders on our rate table offering 15 year refinance mortgage rates below the average of 2.82 percent. If you live in the state of Florida and are looking for 15 year refinance rates today we have First Internet Bank offering rates at 2.375 percent with 2 mortgage points, Round Point Mortgage also offering rates at 2.375 percent with 2 points and Amerisave offering 15 year rates at 2.375 percent with 1.447 points.

Moving onto 30 year jumbo mortgage rates we see the average rate today is at 4.01 percent which is down from Monday's average 30 year jumbo mortgage rate of 4.02 percent. Current jumbo mortgage rates on our rate list for the state of California can be found as low as 3.50 percent with 1.25 points from Home Loan Enterprise. The lowest 30 year jumbo refinance rates without points are from Nations Choice Mortgage at 3.875 percent.

Mortgage interest rates today on 15 year jumbo loans are averaging 3.39 percent, a decline from yesterday's average 15 year jumbo mortgage rate of 3.41 percent. If you're looking for a 15 year jumbo mortgage refinance rate in the state of Illinois we have lenders offering rates as low as 3.00 percent with points and without points.

Average 5 year conventional adjustable mortgage rates are at 2.88 percent, down from yesterday's average 5 year adjustable mortgage rate of 2.97 percent. The lowest 5 year adjustable mortgage rates with points on our rate list in Massachusetts is at 1.875 percent which is available from two different lenders. The lowest 5 year refinance rates without points in MA are at 2.375 percent.

5 year jumbo adjustable mortgage rates are averaging 2.93 percent, unchanged from yesterday's average 5 year jumbo mortgage rate. Right now on our 5 year jumbo refinance rates list in the state of Washington the lowest rates with points are at
 
 
Author: Robert Till
November 6th, 2012