Refinance Rates Today on 30 Year Conforming Loans at 2.875 Percent with 1.875 Points

Current mortgage refinance rates on 30 year conforming loans are averaging 3.47 percent but the lowest refinance rates on our rate lists are well below the averages. The average 30 year refinance rate in California is slightly higher at 3.49 percent. We have one lender on our California (CA) refinance rates list offering rates below 3.00 percent. Home Loan Enterprise is offering 30 year refinance rates at 2.875 percent with 1.875 points, more than 50 basis points below the current average rate. Home Loan Enterprise is also offering 30 year mortgage refinancing rates at 3.00 percent with 0.875 points.

We also have other lenders offering 30 year refinance rates in California below the average of 3.47 percent. Residential Finance Corporation is offering 30 year rates at 3.00 percent with 2 mortgage points and Amerisave is also offering 30 year rates at 3.00 percent but with 1.619 points.

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 mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.432
4.375
USD
Virginia Credit Union
4.432%
3/19/2019
4.375%
at 0.125 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.280
4.250
USD
LincolnWay Community Bank
4.280%
3/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
Raymond James Bank, NA
4.537%
3/19/2019
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.550
4.500
USD
Fulton Bank, NA
4.550%
3/19/2019
4.500%
at 0.250 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
4.557
4.500
USD
State Department Federal Credit Union
4.557%
3/18/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 
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%
3/20/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.326
4.250
USD
Northwest Federal Credit Union
4.326%
3/20/2019
4.250%
at 0.875 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.321
4.250
USD
Citizens Bank, NA
4.321%
3/22/2019
4.250%
at 0.375 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.432
4.375
USD
Santander Bank, N.A.
4.432%
3/22/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.225
4.180
USD
Bank of Oak Ridge
4.225%
3/21/2019
4.180%
at 0.250 pts
60 day lock rate
Est payment: $1,463.55
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.321
4.250
USD
Bank of America
4.321%
3/20/2019
4.250%
at 0.415 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
4.027
4.000
USD
TD Bank, NA
4.027%
3/22/2019
4.000%
at 0.000 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $982
 
 

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.






Current refinance rates on 15 year conforming loans are incredibly low right now. The national average 15 year refinance rate is at 2.84 percent. 15 year mortgage refinance rates in the state of Virginia are averaging 2.88 percent, 4 basis points higher than the national average.

If you're looking for a home loan and live in the state of Virginia we have lenders offering 15 year rates well below the average of 2.88 percent. Currently we have lenders offering 15 year Virginia mortgage rates as low as 2.50 percent with and without points. Credence Mortgage and Round Point Mortgage are offering 15 year rates at 2.50 percent with 2 points. American Financial Resources and Absolute Mortgage are offering rates at 2.50 percent without points.

The current national average 30 year jumbo mortgage rate is at 4.01 percent. Today's mortgage rates on 30 year jumbo loans in the state of Florida are averaging 4.02 percent. We have one lender on our Florida jumbo refinance rates list offering rates well below 4.01 percent. EverBank is offering 30 year jumbo refinance rates at 3.625 percent with 0.50 points.

Moving onto mortgage rates today on 15 year jumbo loans we see the national average rate is at 3.30 percent. If you live in Colorado the current average 15 year jumbo mortgage rate is higher at 3.37 percent. On our 15 year jumbo refinance rates list for the state of Colorado we have three lenders offering rates below the average.

EverBank is offering 15 year jumbo refinance rates in CO at 2.875 percent with 0.50 points. EverBank is also offering 15 year refinance rates at 3.125 percent with zero points. Other lenders include Mortgage Mint offering 15 year rates at 2.875 percent with 1 mortgage point and Citi Mortgage offering 15 year rates at 3.00 percent with zero points.

You can search our rate lists below for the best mortgage rates or best refinance rates in your state. Best of all you don't have to provide any personal information to see a list of rates.
 
 
Author: Brian McKay
October 24th, 2012
Posted in: Mortgage Rates