Refinance rates are mixed this week as 30 year refinance rate moved slightly higher from last week's record low refinance rate. Current refinance rates on 30 year mortgage loans are averaging 3.90%, an increase from last week's average 30 year refinance rate of 3.89%. Today's refinance rates on 15 year refinance loans are averaging 3.24%, down from last week’s average 15 year refinance rate of 3.35%.

Compare refinance rates from many lenders by using our refinance rate table here: MonitorBankRates.com/Mortgages. Unlike most websites, no personal information is needed to view a list of refinance rates.



Refinance rates currently on 30 year jumbo loans are averaging 4.37%, down from last week’s average 30 year jumbo refinance rate of 4.43%. Refinance rates today on 15 year jumbo home loans are averaging 3.72%, a decline last week’s average 15 year jumbo refinance rate of 3.75%.

Refinance Rates

Conforming Adjustable Loans – Today's Refinance Rates

1 year adjustable refinance rates current are averaging 3.62%, down from last week’s average 1 year adjustable jumbo refinance rate of 3.63%.

3 year adjustable refinance rates current are averaging 2.47%, down from last week’s average 3 year adjustable refinance rate of 2.54%.

5 year adjustable refinancing rates are averaging 2.62%, a decline from the prior week’s average 5 year adjustable refinance rate 2.83%.

Current 7 year adjustable refi rates are averaging 2.96%, an increase from the previous week’s average 7 year adjustable refinance rate of 2.91%.

10 year adjustable refi rates currently are averaging 3.48%, a decline from last week’s average 10 year adjustable rate of 3.50%.

Adjustable Jumbo Home Loans – Current Refinance Interest Rates

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 3.35%, a decline from last week’s average 3 year jumbo adjustable refinance rate of 3.36%.

5 year adjustable jumbo refinance rates currently are averaging 2.86%, down from last week’s average jumbo adjustable refinance loans rate of 3.00%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.46%, a decline from last week’s average 7 year adjustable refinance home rate of 3.47%.

10 year jumbo home refinance rates are averaging 3.73%, down from the prior week’s average 10 year jumbo refinance rates of 3.81%.

Conventional Adjustable IO Adjustable 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 3.21%.

5 year IO adjustable loan refinance rates today are averaging 2.89%, unchanged from last week’s average five year interest only home refinance rate.

7 year interest only adjustable loan refinance rates are averaging 3.19%, up from last week’s average 7 year interest-only refinance rates of 3.16%.

Adjustable IO Jumbo Loans – Refinance Rates Today

Today’s 3 year jumbo refinancing rates are averaging 3.64%, a decline from last week’s average jumbo adjustable interest only refinance rate of 3.66%.

Current 5 year adjustable jumbo interest only refinance rates are averaging 3.33%, down from last week’s average IO home refinance rate of 3.38%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.61%, down from last week’s average jumbo 7 year home refinance  loan rate of 3.64%.

Refinance Rate Calculator

Monitor Bank Rates offers a free refinance rate calculator with taxes and PMI you can use to calculate how much home you can afford. You can find the refinance calculator under our “Calculators” section.

Free Refinance Rates Widget

Monitor Bank Rates also offers a refinance rates widget including state average refinance rates that are automatically updated daily. Our refinance rate widgets are free for anyone to use on their website, you can find the refinance 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 November 29, 2023