Current Refinance Mortgage Rates Hit New Low In 2010: 30 Year Mortgage Refinance Rates at 4.81%

Mortgage refinance rates have hit a new low this year thanks to U.S. Treasury yields declining over concerns regarding the European Union. The euro is declining in value against the dollar as investors flee the euro, buy dollars and U.S. Treasuries. When Treasury prices move higher, yields move lower. Lower Treasury yields drive current mortgage refinance rates lower.

10 year Treasury yields closed the week down at 3.20 percent and 30 year refinance mortgage rates declined to 4.81 percent. Refinance rates are expected to decline further this coming week if concerns about the world economic recovery persist.

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 Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.000
4.000
USD
Better.com Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: None
Thank you for your quote. 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.029
4.000
USD
TD Bank, NA
4.029%
5/14/2019
4.000%
at 0.000 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank
4.030%
5/14/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.030
4.000
USD
The Washington Trust Company
4.030%
5/14/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.306
4.250
USD
Santander Bank, N.A.
4.306%
5/10/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.101
4.000
USD
Bank of America
4.101%
5/13/2019
4.000%
at 0.758 pts
60 day lock rate
Est payment: $1,432.25
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.024
4.000
USD
United Bank
4.024%
5/15/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $865
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.405
4.375
USD
Citizens Bank, NA
4.405%
5/17/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,056
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.169
4.125
USD
Liberty Bank
4.169%
5/17/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.166
4.125
USD
The Guilford Savings Bank
4.166%
5/17/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.272
4.250
USD
Savings Bank of Danbury
4.272%
5/17/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.282
4.250
USD
First National Bank of Omaha
4.282%
5/17/2019
4.250%
at 0.125 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.399
4.375
USD
Union Savings Bank
4.399%
5/17/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.536
4.500
USD
UniBank for Savings
4.536%
5/17/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $501
 
 

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.






Searching for current mortgage refinance rates? Search our mortgage rate tables at MortgageRates.MonitorBankRates.com to find today’s mortgage rates and mortgage refinance rates.

15 year refinance mortgage rates declined to 4.28 percent today, down from an average 15 year refinance mortgage rate of 4.33 percent.

Current Jumbo Refinance Mortgage Rates


Current 30 year jumbo refinance mortgage rates are averaging  5.38 percent today, down from an average 30 year jumbo refinance rate of 5.54 percent on Monday.

Current 15 year jumbo mortgage refinance rates are averaging 4.80 percent, a decline from Monday’s average jumbo refinance loan rate of 4.88 percent.

Current Adjustable Refinance Mortgage Rates


Today's 1 year conforming adjustable refinance mortgage rates are averaging 3.82 percent, down from an average 1 year adjustable refinance rate of 3.85 percent.

Currently, 3 year conforming adjustable mortgage refinance rates are averaging 4.35 percent, unchanged from Monday’s average refinance mortgage rate.

Current 5 year conventional refinance adjustable mortgage rates are averaging 3.90 percent, down from Monday's average loan refinance rate of 3.95 percent.

Current 7 year conforming adjustable refinance mortgage loan rates are averaging 4.13, down from an average 7 year refinance interest rate of 4.14 percent.

Today's 10 year adjustable refinance mortgage rates are averaging 4.49 percent, down from an average mortgage refinance home loan rate of 4.51 percent.

Today's Jumbo Adjustable Refinance Mortgage Rates


Today's 1 year jumbo adjustable mortgage refinance rates are averaging in at 5.95 percent, unchanged from Monday’s average 1 year jumbo adjustable refinance mortgage rate.

Currently, 3 year jumbo adjustable refinance rate loans are averaging 5.05 percent, down from an average jumbo home loan refinance rate of 5.11 percent.

Current 5 year jumbo refinance ARMs are averaging 4.40 percent, a decline from Monday's average refi mortgage rate of 4.50 percent.

The current average 7 year jumbo refinance adjustable rate is at 5.14 percent, down from an average refinance loan mortgage rate of 5.32 percent.

Current 10 year jumbo mortgage refinance rates are averaging 5.56 percent, a decline from Monday’s average 10 year jumbo mortgage refinance interest rate of 5.80 percent.
 
 
Author: Brian McKay
May 22nd, 2010
Posted in: Mortgage Rates