Refinance Rates Decline: 15 Year Refinance Rates at 3.25%

Refinance rates are lower this week as 30 year refinance rate hit an a new record low rate. Current 30 year refinance rates are averaging 3.89%, down from last week's average 30 year refinance rate of 4.05%. Refinance rates today on 15 year refinance loans are also lower averaging 3.25%, down from last week's average 15 year refinance rate of 3.30%.

Seach and compare today's refinance rates from many lenders by using our refinance rate table here: MortgageRates.MonitorBankRates. Unlike most websites, no personal information is needed to view a list of refinance rates.

Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
in 06101, All points, 740    Sort by:
Cost & Fees
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at 0.000 pts
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Current refinance rates on 30 year jumbo home loans are averaging 4.45%, down from last week's average 30 year jumbo refinance rate of 4.47%. Refinance rates on 15 year jumbo home loans are averaging 3.75%, no from last week's average 15 year jumbo refinance rate.

Refinance Rates

Conforming Adjustable Home Loans –Current Refinance Rates

1 year adjustable refinance rates today are averaging 3.63%, down from last week’s average 1 year adjustable jumbo refinance rate of 3.71%.

3 year adjustable refinance rates current are averaging 2.54%, down from last week’s average 3 year adjustable refinance rate of 2.71%.

5 year adjustable refinancing rates are averaging 2.83%, up from the prior week’s average 5 year adjustable refinance rate 2.73%.

Current 7 year adjustable refi rates are averaging 2.91%, down from the previous week’s average 7 year adjustable refinance rateof 3.00%.

10 year adjustable refi rates currently are averaging 3.50%, a decline from last week’s average 10 year adjustable rate of 3.54%.

Adjustable Jumbo Loans – Current Refinance Rates

Current 1 year adjustable jumbo refinance rates are at 4.50%, unchanged from last week’s average adjustable jumbo refinance rate.

3 year adjustable jumbo refinance rates today are averaging lower at 3.36%, unchanged from last week’s average 3 year jumbo adjustable refinance rate.

5 year adjustable jumbo refinance rates currently are averaging 3.00%, down from last week’s average jumbo adjustable refinance loans rate of 3.07%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.47%, down from last week’s average 7 year adjustable refinance home rate of 3.50%.

10 year jumbo home refinance rates are averaging 3.82%, down from the prior week’s average 10 year jumbo refinance rates of 3.90%.

Conventional Adjustable IO Adjustable Home Loans – Refinance Rates Today

3 year interest only adjustable refinance rates and are averaging 3.21%, down from last week’s average interest only refinance rate of 3.22%.

5 year IO adjustable loan refinance rates today are averaging 2.89%, a decrease from last week’s average five year interest only home refinance rate of 2.97%.

7 year interest only adjustable loan refinance rates are averaging 3.16%, down from last week’s average 7 year interest-only refinance rates of 3.25%.

Adjustable IO Jumbo Loans – Current Refinance Rates

Today’s 3 year jumbo refinancing rates are averaging 3.66%, up from last week’s average jumbo adjustable interest only refinance rate of 3.62%.

Current 5 year adjustable jumbo interest only refinance rates are averaging 3.38%, down from last week’s average IO home refinance rate of 3.48%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.64%, down from last week’s average jumbo 7 year home refinance  loan rate of 3.76%.

Refinance Loan Calculator

Monitor Bank Rates offers a free refinance loan calculator with an amortization schedule you can use to calculate how much home you can afford. You can find the refinance calculator under our “Calculators” section.

Free Refinance Rates Widget

Monitor Bank Rates also offers several refinance rates widgets including state average refinance rates that are automatically updated daily. Our refinance rate widgets are free for anyone to use on their website, you can find the refinance rate widgets under our “Widgets” section.

Author: Jason P. Jones
January 3rd, 2012