Mortgage Rates and Mortgage Refinance Rates Today: 12/19/10 30 Year Rates at 4.88%

Mortgage rates and mortgage refinance rates are unchanged today, pausing from the relentless uptrend since November. 30 year conventional mortgage rates and mortgage refinance rates are averaging 4.88 percent, unchanged from the yesterday's average 30 year mortgage rate and refinance rate. 30 year home mortgage rates and home refinance mortgage rates in California are higher averaging 4.97 percent.

15 year mortgage refinance rates today and mortgage rates today are averaging 4.24 percent, unchanged from yesterday’s average 15 year home mortgage loan rate and refinance rate. 15 year home mortgage rates and refinance rates in New York are higher averaging 4.35 percent.

12/19/10 30 Year Rates at 4.88% Mortgage Rates and Mortgage Refinance Rates Today

30 year jumbo refinance rates today and mortgage rates today are averaging 5.42 percent, no change from yesterday’s average 30 year jumbo home loan rate and refinance loan rate. 30 year jumbo home mortgage rates and home refinance rates in New Mexico are higher averaging 5.48 percent.

15 year jumbo refinance rates and current mortgage rates are averaging 4.57 percent, down from yesterday’s average 15 year jumbo loan rate and 15 year jumbo refinance rate of 4.59 percent. 15 year jumbo home mortgage rates and mortgage refinance rates in Florida are higher averaging 4.84 percent.

Following is a more in-depth mortgage report released by earlier this week:

Mortgage Rates & Mortgage Refinance Rates

Conforming 30 year mortgage rates and refinance rates are averaging 4.66  percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.49 percent. 

Current conforming 15 year home refinance rates and home mortgage rates are averaging 4.05 percent, an increase from the previous week’s average 15 year mortgage loan rate and refinance loan rate of 3.86 percent. This is the first time in several months 15 year conforming mortgage rates are above 4.00 percent.

30 year jumbo home mortgage rates today and home refinance rates today are averaging 5.32 percent, up from last week’s average jumbo mortgage rate and jumbo refinance rate of 5.02 percent.

Current 15 year jumbo home mortgage rates and refinance rates  are averaging at 4.60 percent, up from the prior week’s average jumbo mortgage loan rate of 4.23 percent.

Use our free mortgage calculator and free mortgage refinance calculator to calculate your monthly mortgage payments.

Conforming Adjustable Mortgage Rates and Adjustable Mortgage Refinance Rates

1 year adjustable current refinancing rates and mortgage rates today are averaging 3.10 percent, up from last week’s average 1 year adjustable home mortgage refinance rate and mortgage loan rate of 3.05 percent. 

3 year adjustable mortgage rates and current refinancing mortgage rates are averaging 3.26 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.37 percent.

5 year adjustable mortgage loan rates today are averaging 3.33 percent, up from the prior week’s average mortgage rate of 3.16 percent. Current refinance rates are also averaging 3.33 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.66 percent, up from the previous week’s average 7 year home mortgage rate of 3.49 percent. Current refinance mortgage rates are also higher, averaging 3.66 percent.

10 year adjustable mortgage loan rates today are averaging 4.30 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.98 percent. Current mortgage refinance rates for 10 year home loans are also averaging 4.30 percent.

Jumbo Adjustable Mortgage Refinance Rates and Adjustable Jumbo Mortgage Rates

1 year jumbo adjustable loan rates are averaging 3.32 percent, down considerably from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate of 4.92 percent. Today refinance rates on 1 year jumbo refinance loan mortgage rates today are also lower 3.32 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.21 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.06 percent. Today’s refinance interest rates on 3 year jumbo adjustable mortgage loans are also higher averaging 4.21 percent. 

5 year adjustable jumbo mortgage rates today are averaging 3.76 percent, up from last week’s average mortgage rate of 3.62 percent. Today’s refi mortgage rates on 5 year jumbo home loans are also averaging 3.76 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.46 percent, up from last week’s average 7 year home mortgage loan rate of 4.41 percent. 7 year jumbo refinance mortgage rates today are also higher at 4.46 percent.

10 year jumbo loan interest rates are averaging 5.16 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 4.99 percent. 10 year jumbo home loan refinance interest rates today are also higher, averaging 5.16 percent.

Conforming Adjustable Interest Only: Today’s Mortgage Refinance Rates and Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates today are averaging 3.49 percent, up from last week’s average interest only mortgage loan rate of 3.40 percent. 3 year interest only adjustable refinance mortgage rates are also higher at 3.49 percent.

5 year interest only adjustable loan rates are averaging 3.51 percent, up from last week’s average five year interest only mortgage loan rate of 3.32 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.51 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.91 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.71 percent. 7 year adjustable refinance rate mortgages today are averaging 3.91 percent.

Interest Only Adjustable Current Jumbo Refinance Rates Today and Jumbo Interest Only Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.73 percent, up from last week’s average jumbo adjustable interest only mortgage rate of 4.54 percent. 3 year interest only adjustable jumbo refinance rates today are also higher, averaging 4.73 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.23 percent, up from last week’s average IO home mortgage interest rate of 4.13 percent. 5 year jumbo adjustable IO loan rates are also averaging higher at 4.23 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.78 percent, up from an average jumbo 7 year home mortgage rate of 4.70 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.78 percent.

Current Home Equity Loan Rates

Current 10 year home equity loan rates are averaging 6.686 percent, down from last week’s average home equity rate of 6.700 percent.

Today’s 15 year home equity rates are averaging 7.072 percent, down from last week’s average home equity rate of 7.088 percent.


Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
Author: Brian McKay
December 19th, 2010
Posted in: Mortgage Rates