Mortgage Refinance Rates: 30 Year Refinance Rates as Low as 3.13% 15 Year Refi Rates as Low as 2.38%

You probably have seen the "record low mortgage rates" or 'record low refinance rates" over the past year. Average rates have increased earlier this month but are once again heading lower. Right now the current national average conforming 30 year mortgage rate is at 3.56 percent. This is rate is an average rate you can find rates above and below the average.