Mortgage rates and mortgage refinancing rates are stable this afternoon. Rates have been in a narrow range since the beginning of 2011. 30 year conventional mortgage rates today and refinance rates today are averaging 4.80 percent, an increase from an average of 4.77 percent. Current 30 year mortgage rates and mortgage refinancing rates in Washington are higher than the national average rate. 30 year mortgage interest rates and refinance rates in WA are averaging 4.83 percent.

Today's 15 year mortgages rates and refinancing mortgage rates are currently averaging 4.08 percent, down from last week when 15 year mortgage interest rates and 15 year refinance rates averaged 4.16 percent. Current 15 year loan rates and refinance loan rates today in California are higher than the national average 15 year rate. Current 15 year refinancing rates and rates in California are at 4.23 percent.



Current 30 year jumbo refinance mortgage rates and 30 year jumbo mortgage rates are averaging 5.44 percent, up from last week’s average jumbo mortgage rate and jumbo refi rate of 5.27 percent. 30 year home loan rates and refi rates in Oregon are lower than the national average jumbo rate. Current 30 year jumbo interest rates in Oregon are averaging 5.36 percent.

Today's 15 year jumbo rates and today's jumbo refinance rates are averaging 4.69 percent, an increase from the prior week’s average jumbo mortgage loan rate of 4.60 percent. 15 year jumbo rates and mortgage refinance rates in New York are lower averaging 4.66 percent. Use our New York mortgage rate widget to track mortgage rates and refinance rates.

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

Mortgage Rates and RefinanceRates

Today’s 30 year conforming mortgage rates and refinance rates are averaging 4.80 percent, an increase from last week’s average 30 year home loan rates and refinance rate of 4.77 percent. 30 year mortgage rates and mortgage refinance rates in California are higher than the national average 30 year rate. 30 year interest rates today in CA are averaging 4.93 percent.15 year mortgages rates and refinancing mortgage rates are currently averaging 4.08 percent, down from last week when 15 year mortgage loan rates and refinance loan rates averaged 4.16 percent. 15 year loan rates and refinance loan rates today in Oregon are higher than the national average 15 year rate. Current 15 year refinancing rates and rates in Oregon are at 4.16 percent.

30 year jumbo refinance mortgage rates and 30 year jumbo mortgage rates currently are averaging 5.44 percent, up from last week’s average jumbo rate and jumbo refi rate of 5.27 percent. 30 year home loan rates and refi rates in Texas are higher than the national average jumbo rate. Current 30 year jumbo interest rates in Texas are averaging 5.60 percent.

15 year jumbo rates and jumbo refinance rates are averaging 4.69 percent, an increase from the prior week’s average jumbo mortgage loan rate of 4.60 percent. 15 year jumbo rates and mortgage refinance rates in Washington are also averaging 4.69 percent. Use our Washington mortgage rates widget to track mortgage rates

Conventional Adjustable Rates Current and Conventional Adjustable Refinance Rates

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

3 year adjustable current mortgage refinancing rate rates and adjustable loan rates are averaging 3.41 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.38 percent.

Current refinance rates and interest rates on 5 year adjustable mortgages are averaging 3.24 percent, down from the prior week’s average rate of 3.30 percent.

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

10 year adjustable mortgage loan rates today are averaging 4.32 percent this week, down from last week’s average 10 year adjustable rate of 4.35 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.32 percent.

Adjustable Jumbo Refinancing Rates Today and Jumbo Mortgage Rates Today

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 4.24 percent, down from last week’s average 3 year jumbo adjustable rate of 4.25 percent. Today’s refinance interest rates on 3 year jumbo loans are also lower, averaging 4.24 percent.

5 year adjustable jumbo interest rates today are averaging 3.70 percent, down from last week’s average jumbo adjustable rate of 3.72 percent. Today’s refinancing mortgage interest rates are also averaging 3.70 percent.

7 year jumbo adjustable loan rates today are averaging 4.53 percent, down from last week’s average 7 year adjustable home loan rate of 4.65 percent. 7 year jumbo refinance loan rates are also lower at 4.53 percent.

Today’s 10 year jumbo loan rates are averaging 5.24 percent, down from the prior week’s average 10 year jumbo home loan rate of 5.26 percent. 10 year jumbo refinance interest rates are also lower, averaging 5.24 percent.

Refinance Mortgage Rates and Mortgage Rates on Conforming Interest Only Adjustable Mortgages

3 year interest only adjustable mortgage loan rates are averaging 3.70 percent, up from last week’s average interest only mortgage loan rate of 3.58 percent. 3 year interest only adjustable refinance mortgage rates are also  averaging 3.70 percent.

5 year interest only adjustable loan rates are averaging 3.44 percent, down from last week’s average five year interest only mortgage loan rate of 3.49 percent. Today’s 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.44 percent.

7 year interest only adjustable mortgage loan rates are averaging 4.09 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.98 percent. 7 year adjustable refi loan rates are averaging 4.09 percent.

Jumbo Mortgage Refi Rates and Today’s Mortgage Rates on Interest Only Adjustable Jumbo Mortgages

3 year jumbo interest only adjustable loan rates are averaging 4.86 percent, unchanged from last week’s average jumbo adjustable interest only rate of 4.78 percent. 3 year interest only adjustable jumbo refi rates are also higher averaging 4.86 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.16 percent, down from last week’s average IO home mortgage interest rate of 4.20 percent. 5 year jumbo adjustable IO loan rates are also lower, averaging at 4.16 percent.

7 year jumbo interest only adjustable rates are averaging 4.96 percent, unchanged from last week’s average jumbo 7 year home loan rate. Current 7 year jumbo adjustable interest-only rates are also averaging 4.96  percent.

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.

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.

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 November 29, 2023