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
HELOC
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 95816, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
4.604%
3.125%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,286
Fees in APR: $12,500
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
5.080%
3.625%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,369
Fees in APR: $12,500
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
5.482%
4.125%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 1.000 pts
45 day lock rate
Est payment: $1,454
Fees in APR: $9,500
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
4.258%
3.875%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 1.000 pts
45 day lock rate
Est payment: $1,411
Fees in APR: $14,150
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.376%
3.990%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
06/02/2020
at 1.000 pts
45 day lock rate
Est payment: $1,431
Fees in APR: $14,150
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.430%
2.990%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,264
Fees in APR: $17,150
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.440%
3.000%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,265
Fees in APR: $17,150
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.821%
2.500%
USD
Figure Lending LLC Logo
NMLS # 1717824
06/02/2020
at 2.250 pts
60 day lock rate
Est payment: $1,186
Fees in APR: $12,816
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.440%
3.250%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,306
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.953%
2.750%
USD
Figure Lending LLC Logo
NMLS # 1717824
06/02/2020
at 0.625 pts
60 day lock rate
Est payment: $1,225
Fees in APR: $7,968
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
3.029%
2.875%
USD
Figure Lending LLC Logo
NMLS # 1717824
06/02/2020
at 0.000 pts
60 day lock rate
Est payment: $1,245
Fees in APR: $6,000
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.991%
3.875%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
06/02/2020
at 1.000 pts
45 day lock rate
Est payment: $1,411
Fees in APR: $4,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.739%
3.625%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 1.000 pts
45 day lock rate
Est payment: $1,369
Fees in APR: $4,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.693%
3.500%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
06/02/2020
at 2.000 pts
45 day lock rate
Est payment: $1,348
Fees in APR: $7,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif
300000
Purchase
2.884%
2.625%
USD
Figure Lending LLC Logo
NMLS # 1717824
06/02/2020
at 1.375 pts
60 day lock rate
Est payment: $1,205
Fees in APR: $10,269
Put your money where you need it sooner.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
4.025%
3.990%
USD
Rocket Mortgage Logo
NMLS # 3030
06/02/2020
at 0.000 pts
45 day lock rate
Est payment: $1,431
Fees in APR: $1,250
From the lender: We can close your loan in less than a month!
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.






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