Refinance Rates: Lower Refinance Rates Today, 30 Year Rates at 3.99%

Refinance rates are lower today as Obama announced a $5 billion to $10 billon plan to help homeowners take advantage of these incredibly low refinance rates. The average refinance rate on 30 year refinance loans are at 3.99%, down from yesterday’s average refinance rate of 4.05%. Current refinance rates on 15 year refinance loans are averaging 3.32%, a decrease from yesterday’s average 15 year refinance rate of 3.35%.

Search and compare refinance rates from many lenders by using our refinance rate table here: mortgagerates.monitorbankrates.com. Unlike most websites, no personal information is needed to view a list of refinance rates.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.000
4.000
USD
Better.com Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: None
Thank you for your quote. 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.029
4.000
USD
TD Bank, NA
4.029%
5/14/2019
4.000%
at 0.000 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank
4.030%
5/14/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.030
4.000
USD
The Washington Trust Company
4.030%
5/14/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.306
4.250
USD
Santander Bank, N.A.
4.306%
5/10/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.101
4.000
USD
Bank of America
4.101%
5/13/2019
4.000%
at 0.758 pts
60 day lock rate
Est payment: $1,432.25
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.024
4.000
USD
United Bank
4.024%
5/15/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $865
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.405
4.375
USD
Citizens Bank, NA
4.405%
5/17/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,056
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.169
4.125
USD
Liberty Bank
4.169%
5/17/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.166
4.125
USD
The Guilford Savings Bank
4.166%
5/17/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.272
4.250
USD
Savings Bank of Danbury
4.272%
5/17/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.282
4.250
USD
First National Bank of Omaha
4.282%
5/17/2019
4.250%
at 0.125 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.399
4.375
USD
Union Savings Bank
4.399%
5/17/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.536
4.500
USD
UniBank for Savings
4.536%
5/17/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $501
 
 

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.






Refinance rates on 30 year jumbo home loans are averaging 4.35%, down from yesterday’s average 30 year jumbo refinance rate of 4.37%. Current refinance rates on 15 year jumbo refi home loans are averaging 3.58%, down from yesterday’s average 15 year jumbo refinance rate of 3.61%.

Current Refinance Rates


Conforming Adjustable Refinance Loans – Current Refinance Rates


1 year adjustable refinance rates current are averaging 3.62%, up from last week’s average 1 year adjustable jumbo refinance rate of 3.61%.

3 year adjustable refinance rates today are averaging 2.84%, an increase from last week’s average 3 year adjustable refinance rate of 2.79%.

5 year adjustable refinancing rates are averaging 2.70%, an increase from the prior week’s average 5 year adjustable refinance rate 2.65%.

Current 7 year adjustable refi rates are averaging 2.98%, an increase from the previous week’s average 7 year adjustable refinance rate of 2.97%.

10 year adjustable refi rates currently are averaging 3.44%, up from last week’s average 10 year adjustable rate of 3.42%.

Adjustable Jumbo Refinancing Loans – Refinance Rates Today


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

3 year adjustable jumbo refinance rates today are averaging lower at 3.50%, an increase from last week’s average 3 year jumbo adjustable refinance rate of 3.33%.

5 year adjustable jumbo refinance rates currently are averaging 2.91%, down from last week’s average jumbo adjustable refinance loans rate of 2.93%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.38%, a decline from last week’s average 7 year adjustable refinance home rate of 3.43%.

10 year jumbo home refinance rates are averaging 3.67%, down from the prior week’s average 10 year jumbo refinance rates of 3.78%.

Conforming Adjustable IO Adjustable Refinance Loans – Current Refinance Rates


3 year interest only adjustable refinance rates and are averaging 3.11%, down from last week’s average interest only refinance rate of 3.12%.

5 year IO adjustable loan refinance rates today are averaging 2.92%,  up from last week’s average five year interest only home refinance rate of 2.87%.

7 year interest only adjustable loan refinance rates are averaging 3.16%, down from last week’s average 7 year interest-only refinance rates of 3.22%.

Adjustable IO Jumbo Refinance Loans – Today's Refinance Rates


Today’s 3 year jumbo refinancing rates are averaging 3.81%, up from last week’s average jumbo adjustable interest only refinance rate of 3.65%.

Current 5 year adjustable jumbo interest only refinance rates are averaging 3.22%, down from last week’s average IO home refinance rate of 3.30%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.48%, down from last week’s average jumbo 7 year home refinance  loan rate of 3.53%.
 
 
Author: Brian McKay
February 1st, 2012
Posted in: Mortgage Rates