Mortgage Rates Just Above All-Time Low: 30 Year Mortgage Rates at 4.86%, 15 year Mortgage Rates at 4.22%

Mortgage rates are lower this week over last week and are just above an all-time low. Current 30 year mortgage rates are averaging 4.86 percent, up from an average 30 year mortgage rate of 4.75 percent on Monday. Concerns about the impact of Europe's sovereign debt crisis on the global economy eased a little on Monday as 10 year bond yields rose sending mortgage rates higher.

Searching for current mortgage rates and current mortgage refinance rates? Use our mortgage rates table at MortgageRates.MonitorBankRates.com to find mortgage rates in your state. Unlike most websites, no personal information is needed for a list of mortgage rates.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.258
4.250
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $299
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.328
4.250
USD
Virginia Credit Union
4.328%
4/16/2019
4.250%
at 0.375 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.529
4.500
USD
Fulton Bank, NA
4.529%
4/16/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.432
4.375
USD
State Department Federal Credit Union
4.432%
4/15/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.415
4.375
USD
Citizens Bank, NA
4.415%
4/12/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.343
4.250
USD
Bank of America
4.343%
4/17/2019
4.250%
at 0.671 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.278
4.250
USD
TD Bank, NA
4.278%
4/19/2019
4.250%
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
4/18/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.316
4.250
USD
Northwest Federal Credit Union
4.316%
4/17/2019
4.250%
at 0.750 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.345
4.250
USD
Apple Federal Credit Union
4.345%
4/17/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 

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.






After the markets closed yesterday, Moody's Investors Service cut Greece's government debt to junk status. The downgrade of Greece's debt will drive investors into the safety of U.S. Treasuries sending bond yields down. Lower bond yields will drive mortgage rates lower as well this week.

Current Home Mortgage Rates 


Current 30 year fixed mortgage rates are averaging 4.86 percent, up from an average 30 year mortgage rate of 4.75 percent. Current 30 year mortgage refinancing rates are also up to 4.86 percent.

Current 15 year fixed mortgage rates are down to 4.22 percent, down from the an average 15 year mortgage rate of 4.25 percent. The average 15 year home mortgage refinance rate is averaging 4.22 percent.

Current Jumbo Mortgage Rates


Today's 30 year jumbo mortgage rates are averaging 5.43 percent, unchanged from yesterday's average jumbo mortgage rate. Current 30 year jumbo refinance interest rates are also averaging 5.43 percent.

Current 15 year jumbo mortgage rates are averaging 4.89 percent, down from an average jumbo mortgage rate of 4.92 percent. Today's 15 year jumbo refinance mortgage loans are also lower this week averaging 4.89 percent.

Today's Adjustable Mortgage Interest Rates


Today's 1 year conforming adjustable mortgage rates are averaging 3.71 percent, down from an average 1 year adjustable mortgage rate of 3.73 percent last week. Current 1 year adjustable home refinancing mortgage rates are averaging 3.71.

Current 3 year conforming adjustable mortgage rates are averaging 4.32 percent, an increase from an average mortgage interest rate of 4.29 percent last week. Current 3 year refinance mortgage rates are also higher averaging 4.32 percent.

Currently, 5 year conforming adjustable mortgage rates are averaging 3.75 percent, down from an average home mortgage interest rate of 3.73 percent. Today's 5 year refinance home mortgage interest rates are averaging 3.73 percent.

Current 7 year conforming adjustable mortgage interest rates are averaging 4.15 percent, down from last week’s average 7 year  mortgage home rate of 4.21 percent. Today's 7 year refinance mortgage rates were also down to 4.15 percent this week.

Current 10 year conforming adjustable home mortgage rates are averaging 4.45 percent today, up from an average 10 year home mortgage rate of 4.41 percent last week.  10 year home loan mortgage refinance rates today are averaging 4.45 percent.

Current Jumbo Adjustable Home Mortgage Rates


Current 1 year jumbo adjustable mortgage rates are averaging 5.95 percent, unchanged from last week’s average 1 year adjustable jumbo mortgage rate. Today's 1 year jumbo refinance mortgage rates are also averaging 5.95 percent.

Today's 3 year jumbo adjustable bank mortgage interest rates today are averaging 4.94 percent, down from an average jumbo mortgage rate of 5.00 percent last week. Current 3 year jumbo mortgage refinance rates are also up to 4.94 percent.

5 year jumbo adjustable mortgage rates today are averaging 4.24 percent, down from an average home mortgage rate of 4.40 percent. 5 year jumbo home refinance loan rates are averaging 4.40 percent.

7 year jumbo adjustable mortgage rates are averaging 4.98 percent, down from last week’s average 7 year home loan mortgage rate of 5.26 percent. 7 year jumbo refinance rates are also down to 4.98 percent.

10 year jumbo home mortgage rates are averaging 5.58 percent, down from an average 10 year jumbo mortgage rate of 5.65 percent last week. 10 year jumbo home loan refinance rates are also averaging 5.58 percent this week.

Today's Interest Only Mortgage Rates


Today's 3 year interest only conforming mortgage rates today are averaging 4.51 percent, an increase from last week’s average IO home mortgage rate of 4.43 percent.

Current 5 year conventional interest only mortgage rate are averaging 3.88 percent, up from last week’s average five year interest only mortgage rate of 4.84 percent.

Today's 7 year IO home mortgage rates are averaging 4.27 percent, down from an average mortgage rate of 4.35 percent last week.

Jumbo Interest Only Mortgage Rates


Current 3 year jumbo interest only mortgage rates are averaging 5.51 percent, an increase an average jumbo interest mortgage rate of 5.47 percent last.

5 year jumbo interest-only mortgage rates are averaging 4.82 percent, down from an average internest-only mortgage rate of 5.01 percent.

Current 7 year jumbo interest-only home mortgage rates are averaging 5.30 percent, a declinse from an average jumbo 7 year home mortgage interest rate of 5.51 percent.

Today's Home Equity Loan Rates


10 year home equity loan rates are averaging 7.139 percent, a decrease from last week’s average home equity loan rate of 7.255 percent.

15 year home equity rates are averaging 7.446 percent this week, up from last week’s average home equity rate of 7.416.

Current Home Equity Line of Credit Rates (HELOC)


The current average home equity line of credit rates are averaging 4.777 percent this week, unchanged from last week’s average HELOC rate.
 
 
Author: Brian McKay
June 15th, 2010
Posted in: Mortgage Rates