Conforming mortgage rates are higher today but will decline tomorrow since 10 year bond yields fell 0.05% and are now back under 2.00%. Mortgage rates today on 30 year home loans are averaging 4.10%, an increase from yesterday's average 30 year mortgage rate of 3.99%. Current mortgage rates today on 15 year conforming home loans are averaging 3.39%, an increase from yesterday's average 15 year rate of 3.32%. 

Search and compare today's mortgage rates from several lenders by using our rate tables here: Today's Mortgage Rates. Unlike most websites, no personal information is needed to view a list of mortgage rates.



30 year jumbo mortgage rates are averaging 4.49%, down from yesterday's average 30 year jumbo mortgage rate of 4.59%. 15 year jumbo mortgage rates are averaging 3.79%, a decrease from last week’s average 15 year jumbo mortgage rate of 3.85%.

Mortgage Rates

Conforming Adjustable Home Loans – Mortgage Rates Current

1 year home loan adjustable mortgage rates currently are averaging 3.79%, an increase from last week’s average 1 year adjustable mortgage rate of 3.76%.

3 year adjustable mortgage rates today are averaging 2.76%, an increase from last week’s average 3 year adjustable mortgage rate of 2.74%.

5 year adjustable mortgage rates are averaging 2.76%, a decrease from the prior week’s average 5 year adjustable rate of 2.77%.

Current 7 year adjustable mortgage rates are averaging 3.04%, a decrease from the previous week’s average 7 year adjustable mortgage rate of 3.06%.

10 year adjustable mortgage rates currently are averaging 3.58%, up from last week’s average 10 year adjustable rate of 3.57%.

Adjustable Jumbo Home Loans – Today's Mortgage Rates

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

3 year adjustable jumbo rates today are averaging lower at 3.42%, up from last week’s average 3 year jumbo adjustable rate of 3.39%.

5 year adjustable jumbo mortgage rates and refinance rates currently are averaging 3.17%, up from last week’s average jumbo adjustable rate of 3.01%.

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

10 year jumbo loan rates and refi rates are averaging 4.04%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 3.89%.

Conforming Interest Only Adjustable Home Loans -Todays Mortgage Rates

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 2.96%, up from last week’s average interest only mortgage loan rate of 2.93%.

5 year IO adjustable loan mortgage rates and mortgage refinance rates are averaging 2.85%, down from last week’s average five year interest only mortgage rate of 2.86%.

7 year interest only adjustable mortgage rates and refinance rates are averaging 3.14%, up from last week’s average 7 year interest-only mortgage interest rate of 3.07%.

Interest Only Jumbo Loans – Current Mortgage Rates

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.59%, up from last week’s average jumbo adjustable interest only rate of 3.56%

Current 5 year adjustable jumbo interest only rates are averaging 3.42%, an increase from last week’s average IO home mortgage interest rate of 3.34%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.71%, up from last week’s average jumbo 7 year home mortgage loan rate 3.70%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.23%, down from last week’s average home equity loan rate of 6.43%.

15 year home equity rates are averaging 6.39%, unchanged from last week’s average home equity loan rate.

Home Equity Line of Credit Rates

Home equity line of credit rates currently are averaging 4.81%, unchanged last week’s average rate HELOC rate.

Mortgage Calculator with Taxes

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

Mortgage Rates Widgets

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

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 December 3, 2023