Current mortgage rates are higher in the latest survey released yesterday by Freddie Mac. 30 year mortgage rates are back above 5.00 percent, the first time in three weeks that 30 year rates are higher than 5.00 percent.

30 year mortgage rates are averaging 5.05 percent for the week ending February 25, 2010, up from last week’s average 30 year mortgage interest rate of 4.93 percent. Mortgage discount points averaged 0.7 points.

The best refinance rates and mortgage rates can be found in your state or zip code by using our mortgage rate tables. Mortgage Rates & Refinance Rates

The average 15 year mortgage rate increased to 4.40 percent, up from last week’s average home loan rate of 4.33 percent. Mortgage discount points were unchanged at 0.7 points.

The average 5 year U.S. Treasury indexed adjustable rate mortgage is at 4.16 percent this week, an increase from the prior week’s average mortgage rate of 4.12 percent. Mortgage Discount points averaged 0.6 points.

The average 1 year Treasury indexed adjustable mortgage rate decreased this week over last. One year ARMs were down to 4.15 percent, down from last week’s average mortgage rate of 4.23 percent. The average mortgage discount point was 0.6 points.

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

Current Mortgage Rates

The average conforming 30 year mortgage rate is back above 5.00 percent at 5.07 percent this week, up from last week’s average home loan rate of 4.95 percent.

15 year conforming home loans are at 4.43 percent this week, up from the prior week’s average mortgage rate of 4.34 percent. 15 year refinance rates increased this week to 4.43 percent.

Jumbo Mortgage Rates

Fixed 30-year jumbo loans are averaging 5.82% this week, up from last week’s average mortgage home loan rate of 5.64%. The average mortgage refinance rates for 30 year jumbo loans increased to 5.82 percent this week.

Fixed 15 year jumbo interest mortgage rates are averaging 5.10% this week, an increase from last week’s average jumbo loan rate of 5.05%. 15 year mortgage refinance rates also increased this past week, the average refinance rate is 5.10%.

Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage rates are averaging 4.26% this week, down from last week’s average 1 year home loan rate of 4.67%. Current one year refinance rates are averaging 4.26% this week.

Today’s 3 year adjustable mortgage interest rates are averaging 4.61%, up from last week’s average mortgage interest rate of 4.59%.

Conforming 5 year adjustable interest mortgage rates are averaging 4.05% this week, unchanged from the previous week’s average mortgage interest rate. The average 5 year mortgage refinance is up to 4.05 percent this week.

Conforming 7 year adjustable mortgage rates are averaging 4.59%, up from last week’s average loan rate of 4.47%. The average 7 year mortgage refinance rate is up to 4.59% this week.

Conforming 10 year bank mortgage rates are averaging 4.83%, down from the prior week’s average mortgage rate of 4.90%. Home loan refinance rates are averaging 4.83 percent this week, down from the prior week’s average rate of 4.83 percent..

Jumbo Adjustable Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 5.59% this week, unchanged from the prior week’s average home mortgage loan rate. The average 1 year home refinance rate is averaging 5.59% this week, unchanged from last week.

The average jumbo 3-year jumbo ARM is at 5.37% this week, up from last week’s average adjustable home loan rate of 5.27%. 3 year home refinance rates are at 5.37% this week, up 10 basis points from last week.

5 year jumbo ARMs are averaging 4.69% this week, unchanged from the prior week’s average home interest mortgage rate. The average 5 year refinance loan rate is unchanged this week over last, the average rate is still at 4.69%.

7 year jumbo ARMs are averaging 5.75% this week, up from last week’s average loan mortgage rate of 5.61%. 7 year loan refinance rates are averaging 5.75% this week.

The average 10 year jumbo mortgage rate is at 5.92%, unchanged from the prior week’s average 10 year mortgage rate. 10 year refinance loan rates are at 5.92% this week, unchanged from the previous week’s average refinance loan rate.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.84% this week, up from the prior week’s average interest rate of 4.74%. 3 year IO home loan refinance rates are at 4.84% this week, up from last week’s average rate of 4.74%.

5 year interest only loans are averaging 4.20% this week, down from last week’s average five year interest only mortgage interest rate of 4.32%. The average 5 year home mortgage refinance rate is at 4.20% this week, up from the prior week’s average rate.

7 year interest only home loans are averaging 4.77% this week, up from last week’s average interest rate of 4.67%. 7 year IO refinance home loan rates are averaging 4.77% this week, up from last week’s average refinance home loan rate of 4.67%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.73% this week, up from last week’s jumbo interest mortgage rate of 5.57%. The average 3 year jumbo refinance interest rate is at 5.73% this week.

5 year jumbo IO loan rates are averaging 5.34%, up from the prior week’s average IO mortgage rate of 5.28%. 5 year jumbo refinance interest rates are averaging 5.34% this week.

The average jumbo 7 year IO loan mortgage rate is at 6.21%, up from last week’s average jumbo rate of 6.08%.

Home Equity Loans Rates

The average home equity loan rate was up this week over last. 10 year home equity loan rates are at 7.475% this week, up from last week’s average equity home loan rate of 7.357%. 15 year home equity rates are up to 7.735%, down from the prior week’s average home equity rate of 7.479%.

Home Equity Line of Credit (HELOC) Rates

Average home equity line of credit rates are up this week over last. The average HELOC rate is at 4.899% this week, up from last week’s average HELOC rate of 4.669%.

Looking mortgage refinance rates? Use our mortgage rate tables to find current refinance rates. Mortgage Refinance Rates.