Mortgage Rates

| Search for Current Refinance Rates and Mortgage Rates from Many Lenders
Search and compare refinance rates and mortgage rates today from many lenders by using our search tool.The rate list below is displaying mortgage refinance rates for a $200,000 mortgage loan in your state. Change the search criteria to receive your own personalized mortgage quotes from many lenders at once.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 08601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Capital One Logo
NMLS # 453156
(877) 814-7279
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,512
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # No.8701663
(877) 661-8303
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
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Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # 9943847
(877) 892-7165
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $1,200
Billions Funded. Direct Lender. 
 
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Columbia Bank Logo
NMLS # 504284
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
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Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.000 pts
30 day lock rate
Est payment: $1,380.20
Fees in APR: None
The Experience is the Difference 
 
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Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # 9943847
(877) 892-7165
at 1.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $1,200
Billions Funded. Direct Lender. 
 
Next button
Capital One Logo
NMLS # 453156
(877) 814-7279
at 1.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $1,512
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # No.8701663
(877) 661-8303
at 1.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.375 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: None
The Experience is the Difference 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # No.8701663
(877) 661-8303
at 2.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 1.125 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
The Experience is the Difference 
 
Next button
Capital One Logo
NMLS # 453156
(877) 814-7279
at 2.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,512
 
 
Next button
TD Bank, NA
3.760%
12/12/2014
3.688%
at 0.000 pts
60 day lock rate
Est payment: $1,448.30
Fees in APR: $982
 
 
Citizens Bank
3.551%
12/11/2014
3.500%
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $703
 
 
Raymond James Bank, NA
3.474%
12/17/2014
3.375%
at 0.000 pts
45 day lock rate
Est payment: $1,417.52
Fees in APR: $1,354
 
 
HSBC Bank USA, N.A.
3.331%
12/17/2014
3.280%
at 0.000 pts
60 day lock rate
Est payment: $1,408.26
Fees in APR: $705
 
 

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.



Average 30 year conforming mortgage rates fell to a new low this year, following 10 year bond yields lower. The current average 30 year mortgage rate is at 3.92 percent, down from last week’s average 30 year rate of 3.98 percent. The prior low for 2014 was at 3.93 percent set on October 23. Rates will continue to move lower this coming week because 10 year bond yields have fallen 7 basis points this morning to 2.16 percent.

30 year rates are averaging 3.92 percent but you can find lenders quoting 30 year refinance rates below the average. The lowest 30 year rate in the database right now are at 3.75 percent with 2 mortgage points.

Average Mortgage Rates December 1 2014Mortgage rates today on 15 year conforming loans are averaging 3.04 percent, down from last week’s average 15 year rate of 3.09 percent. 15 year rates are just above the 2014 record low of 3.03 percent. Average 15 year rates will hit a new low this coming week and will also probably fall below 3.00 percent.

Current mortgage rates on 30 year jumbo loans are averaging 4.15 percent, a decline from the prior week’s average 30 year jumbo rate of 4.20 percent. The 2014 low for average 30 year jumbo rates was 4.13 percent, also set back on October 23. 30 year jumbo rates will also make a new 2014 low this coming week, with rates likely falling towards 4.05 percent.

The best 30 year jumbo refinance rates available in the database are currently at 3.50 percent with 0.75 mortgage points. The best 30 year jumbo refi rate without points is also below the average at 3.75 percent.

Average 15 year jumbo mortgage rates hit a new 2014 low this week. 15 year jumbo mortgage rates are currently averaging 3.72 percent, down from the previous week’s average 15 year jumbo mortgage rate of 3.79 percent. The best 15 year jumbo rates available in the database are at 3.00 percent with 0.88 points and at 3.25 percent with zero mortgage points.

5 year adjustable conforming mortgage rates are averaging 3.10 percent, a decline from last week’s average 5 year adjustable rate of 3.20 percent. The lowest 5 year adjustable refi rate in the database is at 2.40 percent with 1 mortgage point and at 2.65 percent with no points.

Today’s mortgage rates on 5 year jumbo adjustable loans are averaging 3.48 percent, down from last week’s average 5 year jumbo adjustable rate of 3.51 percent. The best 5 year jumbo adjustable refinancing rates available are at 2.625 percent with no mortgage points.

 
Author: Brian McKay
December 2nd, 2014

The Japanese economy was expected to grow 2.1 percent but actually contracted 1.6 percent. News that the Japanese economy fell into a recession will send bond yields lower, which in turn will send mortgage rates in the U.S. lower. Slowing economic growth in Asia and Europe will keep downward pressure on interest rates in the United States in the coming months. Average mortgage rates are higher this week but will move lower in the coming weeks due to lower bond yields.

10 year bond yields will likely fall near 2.00 percent from the current level of 2.34 percent. 10 year bond yields at 2.00 percent will send average 30 year mortgage rates back below 4.00 percent by the end of 2014. 30 year jumbo rates will also fall below 4.00 percent. There won’t be any upward pressure on rates until the summer of 2015 when the Federal Reserve starts increasing interest rates.

Mortgage rates today on 30 year conforming loans are averaging 4.08 percent, up from the previous week’s average 30 year mortgage rate of 3.99 percent. Rates are higher this week and just above record lows but rates are still low, historically speaking. If you’re considering purchasing a home or refinancing your current mortgage, you should do so before rates move higher in the next 6 months.

The best 30 year refinance rates currently available are still below the average rate and still below 4.o0 percent at 3.875 percent with zero points. You can search for lender’s rates in all 50 states and the District of Colombia by using our rate tables here: Mortgage Rates Today.

15 year conforming mortgage rates are averaging 3.11 percent, unchanged from last week’s average 15 year mortgage rate. The lowest 15 year conforming refinance rates available are at 2.75 percent with 1.375 mortgage rates. The lowest 15 year refinancing rates without points are also below the average at 2.99 percent.

5 year adjustable mortgage rates bucked the uptrend and are lower this week. The current average 5/1 ARM is at 3.22 percent, a decline from the prior week’s average 5 year adjustable rate of 3.25 percent.

The best 5 year conforming adjustable rates quoted by lenders are much lower than the average at 2.25 percent with 1.10 mortgage points. The lowest 5 year conforming refi rate without points are also below the average at 2.625 percent.

Current mortgage rates on 30 year jumbo loans are averaging 4.20 percent, down 2 basis points from last week’s average jumbo mortgage rate of 4.22 percent. The best 30 year jumbo refinance rates available from lenders are at 3.625 percent with 0.63 points and at 3.75 percent with no points.

15 year jumbo rates are also lower this week averaging 3.81 percent, down from last week’s average rate of 3.86 percent. The lowest 15 year jumbo refinance rates available are at 3.125 percent with 0.63 points and at 3.375 percent with no mortgage points.

Today’s mortgage rates on 5 year jumbo loans are averaging 3.47 percent, unchanged from last week’s average 5 year jumbo rate. The best 5 year adjustable jumbo rates currently available are at 2.625 percent with 0.75 mortgage points. The lowest 5 year jumbo adjustable rates without points are at 2.75 percent.

 
Author: Brian McKay
November 17th, 2014

Average 30 year mortgage rates remain at 3.99 percent. Average mortgage rates are slightly higher from a 2014 record low of 3.93 percent set on October 22. 30 year rates hit a new low a few weeks ago because 10 year bond yields also hit lows for 2014.

Over the past two weeks, 10 year bond yields bounced off of a record low of 1.86 percent and are now at 2.31 percent. Lenders haven’t been as quick to increase mortgage rates over the same period of time but eventually will catch up by increasing rates. In the coming days, average 30 year mortgage rates will be back above 4.00 percent and will head towards 4.25 percent by the end of November.

30 Year Mortgage Rates Remain Unchanged Today at 399 PercentLooking out two months from now, average 30 year rates will be in a range of 4.25 percent to 4.50 percent. The rates mentioned above are average rates but there are many lenders quoting 30 year refinance rates well below the average.

For example, on our rate table for California, the lowest 30 year refinance rate is at 3.50 percent with 1.10 mortgage points offered by Aimloan.com. The lowest 30 year refinancing rate without points is also below the average at 3.75 percent, also offered by Aim Loan.

Mortgage rates today on 15 year conventional loans are averaging 3.13 percent, up from last week’s average 15 year mortgage rate of 3.04 percent. Average 15 year mortgage rates were expected to fall below 3.00 percent but just the opposite happened as a result of bond rates moving higher.

Average 15 year rates are above 3.00 percent but there are several lenders quoting 15 year refi rates below the average. The best 15 year rate available in the database for Florida is at 2.625 with 1.10 mortgage points. The best 15 year rate without points is also below 3.00 percent at 2.875 percent.

Current mortgage rates on 30 year jumbo loans are averaging 4.24 percent, a slight decline from last week’s average 30 year jumbo rate of 4.25 percent. For the state of Colorado, the best 30 year jumbo refinance rates in our database are at 3.75 percent with 2 mortgage points. The best 30 year jumbo refi rate without points is also below 4.00 percent at 3.875 percent.

Today’s mortgage rates on 15 year jumbo loans are averaging 3.86 percent, a decline from last week’s average 15 year jumbo mortgage rate of 3.88 percent. The lowest 15 year jumbo refinance rates offered by lenders in Connecticut are at 3.125 percent with no mortgage points.

Average 5/1 adjustable mortgage rates on conforming loans are at 3.40 percent, up from the prior week’s average 5/1 rate of 3.31 percent. The best adjustable refinance rate available in the database for Kentucky are considerably below the average at 2.125 percent with 1.10 mortgage points. The best adjustable refi rate without points is also well below the average at 2.55 percent.

5/1 jumbo adjustable mortgage rates are averaging 3.19 percent, an increase from the previous week’s average of 3.15 percent. The best 5 year jumbo adjustable refinance rates in the database for New Hampshire  are at  2.55 percent with no mortgage points.

 
Author: Brian McKay
November 7th, 2014

The direction of mortgage rates continues to baffle experts as rates hit new lows for 2014. Average mortgage rates made new lows this week on the heels of lower U.S. bond yields. Investors were spooked this past week by the fall in equity markets, sending investors to the safety of U.S. bonds which in turn, sent yields lower. Bond yields move in inverse to bond prices, so when prices move higher, yields move lower.

10 year bond yields took a nosedive, hitting new lows for 2014 and falling below 2.00 percent. Last week 10 year yields briefly touch a low of 1.86 percent, a mere 20 basis points above the all-time low set early in 2013. Yields rebounded to 2.20 percent today but the overall decrease sent 30 year mortgage rates below 4.00 percent.

Average 30 year mortgage rates fell to 3.93 percent yesterday, a record low for 2014, and have since rebounded to 3.94 percent. Average rates will move above 4.00 percent in the coming days but you can still find many lenders offering 30 year refinance rates below 4.00 percent. On the rate tables, the best 30 year refinance rates with points are at 3.625 percent. The best rate without points is also below 4.00 percent at 3.875 percent.

Average 15 year mortgage rates today are at 3.03 percent, unchanged from last week’s average rate and a record low for 2014. Average 15 year rates will remain above 3.00 percent in the coming days but some lenders are quoting 15 year rates below 3.00 percent. The lowest 15 year refinance rates with points right now are at 2.75 percent with points.

Average jumbo mortgage rates also made record lows for 2014 this past week. Average 30 year jumbo mortgage rates hit a low of 4.13 percent and average 15 year jumbo rates fell to 3.84 percent. Average 30 year jumbo rates today are slightly higher at 4.17 percent and average 15 year jumbo rates are at 3.88 percent.

The lowest 30 year jumbo rates currently available are at 3.625 percent with 0.50 points and the lowest jumbo rate without points is at 3.75 percent. The best 15 year jumbo rate available is at 3.125 percent with 0.88 points and at 3.375 percent with zero points.

Mortgage rates have increased this week but average rates are just above lows for 2014 and lenders are still quoting even lower rates. Now is probably one of the best times to lock in low rates to refinance a mortgage or purchase home.

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Mortgage Rates

Mortgage Rates | Search for Current Refinance Rates and Mortgage Rates from Many Lenders

 
Author: Brian McKay
October 23rd, 2014

Average mortgage rates on 30 year loans are slightly higher this week after hitting a new low for 2014. 30 year mortgage rates today are averaging 4.15 percent, up from the previous week’s average 30 year rate of 4.08 percent. During the past week, average 30 year rates hit a new low for 2014 at 4.00 percent.

Mortgage rates have been range-bound for most of 2014, hitting a high of 4.53 percent very early this year and a low of 4.00 percent recently. For the remainder of 2014, expect average 30 year rates to be in the range of 3.75 percent and 4.50 percent.  Currently on the rate table, the best 30 year refinance rates are at 3.875 percent with points.

This coming week, average rates will fall as a result of 10 year U.S. Treasury yields going down 10 basis points this morning. Yields are lower due to concerns of a slowing global economy and the possibility that the Eurozone may fall into recession. Safe-haven bids for low-risk U.S. government debt have sent 10 year bond yields to the lowest point since June 2013.

Mortgage Rates Today October 14 2014Current mortgage rates on 15 year conforming loans are lower this week, averaging 3.12 percent, down from last week’s average 15 year rate of 3.21 percent. The best 15 year refinance rates available on the rate table are well below the average and below 3.00 percent. Checking on refi rates in California, we see the best rate at 2.99 percent with 1.75 mortgage points.

Today’s mortgage rates on 30 year jumbo loans are averaging 4.18 percent, down from the previous week’s average 30 year jumbo rate of 4.29 percent. The best jumbo interest rates available right now are also below the average rate and below 4.00 percent. Checking on the rate table for the state of Maryland, the lowest jumbo rate at 3.75 percent with 1 mortgage point.

15 year jumbo mortgage rates today are averaging 3.90 percent, down from last week’s average 15 year rate of 3.98 percent. The lowest 15 year jumbo rate available in Colorado is much lower than the average at 3.125 percent with 2 mortgage points.

Average 5 year adjustable mortgage rates on conforming and jumbo loans are both lower this week. The current average 5/1 conforming ARM is at 3.19 percent, down from last week’s average 5 year rate of 3.31 percent. The average 5 year jumbo ARM is also at 3.19 percent this week, a decline from an average rate of 3.25 percent last week.

The best 5 year conforming ARM for Florida is at 2.40 percent with 1 mortgage point. The best 5 year jumbo ARM in Connecticut is at 2.50 percent with 2 mortgage points.

 
Author: Brian McKay
October 14th, 2014