Mortgage rates on conforming mortgage loans are lower and jumbo mortgage interest rates are higher. Mortgage rates today on 30 year home loans are averaging 3.90%, an increase from last week’s average 30 year mortgage rate of 4.01%. Mortgage interest rates on 15 year mortgage loans are averaging 3.23% this week, down from last week’s average 15 year mortgage rate of 3.31%.

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Current jumbo mortgage interest rates on 30 year jumbo mortgage loans are averaging 4.52%, an increase from last week’s average 30 year jumbo mortgage rate of 4.35%. Mortgage interest rates today on 15 year jumbo loans are averaging 3.70%, up from last week’s average 15 year jumbo mortgage rate of 3.55%.

Mortgage Rates

Conforming Adjustable Home Loans -Mortgage Interest Rates Current

1 year home loan adjustable mortgage interest rates are averaging 3.66%, up from last week’s average 1 year adjustable mortgage rate of 3.62%.

3 year adjustable current mortgage interest rates today are averaging 2.87%, up from last week’s average 3 year adjustable mortgage rate of 2.84%.

5 year adjustable mortgage interest rates are averaging 2.69%, down from the prior week’s average 5 year adjustable rate of 2.70%.

Current 7 year adjustable mortgage interest rates are averaging 2.93%, down from the previous week’s average 7 year adjustable mortgage rate of 2.98%.

10 year adjustable mortgage interest rates currently are averaging 3.39%, down from last week’s average 10 year adjustable rate of 3.44%.

Today’s Mortgage Interest Rates on Adjustable Jumbo Loans

Current 1 year adjustable jumbo mortgage interest 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 3.51%, up from last week’s average 3 year jumbo adjustable rate of 3.50%.

5 year adjustable jumbo mortgage interest rates and refinance rates currently are averaging 2.81%, down from last week’s average jumbo adjustable rate of 2.91%.

7 year jumbo adjustable mortgage interest rates and refinance rates today are averaging 3.33%, down from last week’s average 7 year adjustable home loan rate of 3.38%.

10 year jumbo loan rates and refi rates are averaging 3.58%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 3.67%. 

Conforming IO Adjustable Home Loans – Current Mortgage Interest Rates

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 3.07%, down from last week’s average interest only mortgage loan rate of 3.11%.

5 year IO adjustable loan mortgage interest rates and mortgage refinance rates are averaging 2.88%, down from last week’s average five year interest only mortgage rate 2.92%. 

7 year interest only adjustable mortgage interest rates are averaging 3.09%, down from last week’s average 7 year interest-only mortgage interest rate of 3.16%.

Interest-Only Jumbo Mortgage Interest Rates Today

Today’s 3 year jumbo interest only adjustable home loan rates are averaging 3.82%, up from last week’s average jumbo adjustable mortgage interest rate of 3.81%.

Current 5 year adjustable jumbo interest only mortgage interest rates are averaging 3.20%, down from last week’s average IO home mortgage interest rate of 3.22%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.45%,  down from last week’s average jumbo 7 year home mortgage loan rate 3.48%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.23%, no change from last week’s average home equity loan rate.

15 year home equity rates are averaging 6.38%, no change from last week’s average home equity loan rate.

Home Equity Line of Credit

Home equity line of credit rates currently are averaging 4.84%, up from last week’s average rate HELOC rate of 4.67%.

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 November 29, 2023