Long Term Mortgage Rates and Refinance Rates Head Lower: 30 Year Conforming Mortgage Rates in CA Averaging 4.91%

The current national average 30 year mortgage rate and refinance rate is averaging 4.76 percent, down from yesterday's average 30 year refinancing rate and mortgage loan rate of 4.79 percent. Current 30 year refinance mortgage rates and 30 year loan rates in California are higher than the national average. Today's CA refi rates and mortgage rates are averaging 4.91 percent.

Today's 15 year mortgage rates and refinancing mortgage rates are averaging 4.16 percent, a decline from yesterday's average 15 year refi loan rate and mortgage interest rate of 4.21 percent. The current average mortgage loan rate and current refinancing rate in Georgia is also averaging 4.16 percent.

30 year jumbo rates today and refinance rates today are averaging 5.28 percent, down from yesterday’s average 30 year jumbo rate and refi rate of 5.37 percent. 30 year jumbo rates and jumbo refinance mortgage rates in New Mexico are higher than the national average rate. Current 30 year jumbo refinancing rates and jumbo mortgage rates in NM are averaging 5.35 percent.

15 year jumbo mortgage loan rates and jumbo refinance loan rates are averaging at 4.73 percent, down from yesterday’s average jumbo loan rate and jumbo refi rate of 4.74 percent. 15 year jumbo mortgage interest rates and today's refinance rates in New Jersey are higher than the national average 15 year jumbo rate. Current NJ 15 year jumbo refinance rates and mortgage loan rates are averaging 4.91 percent.

Following is a more in-depth home mortgage interest rates report released by MonitorBankRates.com earlier this week:

Mortgage Interest Rates & Refinancing Rates

Conforming Adjustable Rates and Conforming Adjustable Refinancing Rates

1 year adjustable rates - Current refinancing rates and mortgage interest rates are averaging 3.05 percent, unchanged from last week’s average 1 year adjustable home mortgage refi interest rate and loan rate.

3 year adjustable rates and adjustable refinancing rates are averaging 3.42 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.47 percent.

5 year adjustable mortgage loan rates today are averaging 3.71 percent, up from the prior week’s average rate of 3.50 percent. Current refi rates are also higher, averaging 3.71 percent.

7 year adjustable mortgage loan interest rates are averaging 3.90 percent, down from the previous week’s average 7 year loan rate of 4.01 percent.  Current refinance loan rates are also averaging lower at 3.90 percent.

10 year adjustable mortgage loan rates today are averaging 4.52 percent this week, up from last week’s average 10 year adjustable rate of 4.47 percent. Refinance interest rates for 10 year home loans are also averaging 4.52 percent.

Adjustable Jumbo Refinancing Rates and Jumbo Mortgage Loan Rates

1 year jumbo adjustable loan rates are averaging 3.39 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. Today’s jumbo adjustable refinance interest rates are also unchanged at 3.39 percent.

3 year adjustable jumbo rates are higher averaging 4.31 percent, up from last week’s average 3 year jumbo adjustable rate of 4.26 percent. Today’s refi rates on 3 year jumbo adjustable mortgage loans are also higher averaging 4.31 percent.

5 year adjustable jumbo interest rates today are averaging 3.88 percent, down from last week’s average jumbo adjustable rate of 3.93 percent. Current refinance loan rates on 5 year jumbo home loans are also averaging 3.88 percent.

7 year jumbo adjustable loan rates today are averaging 4.69 percent, up from last week’s average 7 year adjustable home loan rate of 4.56 percent. 7 year jumbo refinance loan rates are also higher at 4.69 percent.

Today’s 10 year jumbo loan rates are averaging 5.24 percent, up from the prior week’s average 10 year jumbo home loan rate of 5.23 percent. 10 year jumbo refinance interest rates are also higher averaging 5.24 percent.

Conforming Interest Only Adjustable Refi Rates and Interest Only Adjustable Mortgage Loan Rates

3 year interest only adjustable mortgage loan rates are averaging 3.61 percent, up from last week’s average interest only mortgage loan rate of 3.47 percent. 3 year interest only adjustable refinance loan rates are also higher averaging 3.61 percent.

5 year interest only adjustable loan rates are averaging 3.66 percent, up from last week’s average five year interest only mortgage loan rate of 3.59 percent. Today 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.66 percent.

7 year interest only adjustable mortgage loan rates are averaging 4.08 percent, down from last week’s average 7 year interest-only mortgage interest rate of 4.18 percent. 7 year adjustable refi loan rates are averaging 4.08 percent.

Interest Only Adjustable Jumbo Refinancing Rates and Jumbo Interest Only Mortgage Loan Interest Rates Today

3 year jumbo interest only adjustable loan rates are averaging 4.96 percent, down from last week’s average jumbo adjustable interest only rate of 5.01 percent. 3 year interest only adjustable jumbo refi rates are also lower averaging 4.96 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.42 percent, up from last week’s average IO home mortgage interest rate of 4.40 percent. 5 year jumbo adjustable IO loan rates are also averaging higher at 4.42 percent.

7 year jumbo interest only adjustable rates are averaging 5.02 percent, up from an average jumbo 7 year home loan rate of 4.88 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 5.02 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

Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.