Today’s Mortgage Interest Rates

(//mortgagerates.monitorbankrates.com) Today's mortgage interest rates are hovering just above 5.00 percent. Mortgage interest rates are expected to head higher in the first quarter of 2010. Right now, 30 year mortgage interest rates are averaging 5.01 percent.

15 year mortgage rates have been under 4.50 percent for several weeks now, current 15 year mortgage rates are averaging 4.38 percent.  Jumbo mortgage interest rates are about 75 basis points higher.

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 Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.258
4.250
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $299
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.328
4.250
USD
Virginia Credit Union
4.328%
4/16/2019
4.250%
at 0.375 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.529
4.500
USD
Fulton Bank, NA
4.529%
4/16/2019
4.500%
at 0.000 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
4.432
4.375
USD
State Department Federal Credit Union
4.432%
4/15/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.415
4.375
USD
Citizens Bank, NA
4.415%
4/12/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.343
4.250
USD
Bank of America
4.343%
4/17/2019
4.250%
at 0.671 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
4.278
4.250
USD
TD Bank, NA
4.278%
4/19/2019
4.250%
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
4/18/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.316
4.250
USD
Northwest Federal Credit Union
4.316%
4/17/2019
4.250%
at 0.750 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
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%
4/17/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 

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.






The average 30 year jumbo mortgage interest rates is currently at 5.73 percent. The average 15 year jumbo mortgage rate is averaging 5.15 percent.

The following is a more extensive report on today’s mortgage interest rates. MonitorBankRates.com released its Weekly Mortgage Report on Monday, which follows:

Today's Mortgage Interest Rates


The average conforming 30 year mortgage interest rate is at 5.05 percent this week, up slightly from the prior week’s average home loan rate of 5.04 percent.

15 year mortgage loan rates are at 4.40 percent this week, unchanged fom last week’s average 15 year interest rate.

Jumbo Mortgage Rates


30-year jumbo mortgage rates are averaging 5.74% this week, down from the prior week’s average home loan rate of 5.86%.

15 year jumbo mortgage loans are averaging 5.21% this week, down from the prior week’s average mortgage loan rate of 5.24%.

Adjustable Mortgage Rates


Conforming 1 year adjustable mortgage home loan rates are averaging 4.23% this week, down from the prior week when one year home loans were averaging 4.32%.

Conforming 3 year adjustable mortgage rates are averaging 4.42%, down from last week’s average home loan rate of 4.52%.

Conforming 5 year adjustable mortgage loan rates are averaging 4.14% this week, down from the previous week’s average mortgage rate of 4.20%.

Conforming 7 year adjustable home loan rates are averaging 4.59%, down from last week’s average home loan rate of 4.61%.

Conforming 10-year mortgage rates are at 4.99%, a decrease from the previous week’s average mortgage rate of 5.11%.

Jumbo Adjustable Mortgage Rates


Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.30% this week, down slightly from the prior week’s average home mortgage loan rate.5.31%.

Jumbo 3-year jumbo ARMs are averaging 5.25% this week, down from last week’s average adjustable interest home loan rate of 5.32%.

The average 5 year jumbo ARM is at 4.91% this week, down from the prior week’s average home interest mortgage rate 0f 4.99%.

7 year jumbo ARMs are averaging 5.44% this week, up from last week’s average loan mortgage rate of 5.37%.

The average 10 year jumbo is at 5.92%, down from the prior week’s average 10 year mortgage loan rate of 5.88%.

Conforming Interest Only Mortgage Rates


3 year interest only mortgage rates are averaging 4.59% this week, down from last week’s average interest rate of 4.65%.

5 year interest only loans are averaging 4.31% this week, unchanged from last week’s average five year interest only mortgage rate.

7 year IO home loan rates are averaging 4.75% this week, down from last week’s average interest rate of 4.81%.

Jumbo Interest Only Mortgage Rates


3 year jumbo interest only mortgages are averaging 5.58% this week, up from last week’s jumbo interest mortgage rate of 5.52%.

5 year jumbo IO loan rates are averaging 4.91%, down from the prior week’s average IO mortgage rate of 5.39%.

The average jumbo 7 year IO loan mortgage rate is at 5.85%, up from last week’s average jumbo rate of 5.76%.

Home Equity Loans Rates


The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.416% this week, down from last week’s average equity home loan rate of 7.418%. 15 year home equity rates were unchanged this week at 7.517%.

Home Equity Line of Credit (HELOC) Rates


Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.905% this week, down slightly from last week’s average HELOC rate of 4.906%.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates
 
 
Author: Brian McKay
February 3rd, 2010
Posted in: Mortgage Rates