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1/29 Mortgage Rates and Refinancing Rates Mixed Today: 30 Year Mortgage Rates Averaging 4.80%, 30 Year Mortgage Rates in California Averaging 4.93%

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Conforming mortgage rates and refinancing rates are lower this morning while jumbo mortgage rates and refi rates are higher. 30 year mortgage rates and refinancing rates today are averaging 4.80 percent, a decrease from yesterday’s average 30 year mortgage rate and refinance rate of 4.82 percent. Conforming 30 year mortgage refinancing rates and mortgage loan rates in California are higher than the current national average rate. Today's 30 year mortgage rates and refinancing mortgage rates in California are averaging 4.93 percent.

15 year mortgage rates and refinance mortgage rates today are currently averaging 4.08 percent, down from yesterday’s average 15 year mortgage rate and refinance rate of 4.16 percent. 15 year refinance mortgage rates and mortgage interest rates in New Hampshire are also averaging 4.08 percent. You can track NH mortgage rates and refinance rates by using our NH mortgage rates widget.

30 year jumbo mortgage rates and jumbo refinancing rates are averaging 5.44 percent, up yesterday’s average 30 year jumbo rate and refi mortgage rate of 5.38 percent. 30 year jumbo mortgage loan rates and jumbo refinance loan rates in Virginia are lower than the national average rate. 30 year refinancing rates and jumbo mortgage rates in VA are averaging 5.36 percent.

15 year jumbo refinancing interest rates and jumbo rates today are averaging 4.69 percent, up from yesterday’s average jumbo loan rate and 15 year jumbo refi rate of 4.49 percent. 15 year jumbo interest mortgage rates and refinance interest rates in New York are lower than the national average. 15 year mortgage rates and refinancing loan rates in New York are averaging 4.66 percent. Track mortgage rates in NY by using our free interest rates widgets.

Following is a more in-depth home mortgage loan rates report released by this past Monday:

Mortgage Rates Current & Mortgage Refinancing Rates Current

30 year conforming mortgage rates and refinance rates today are averaging 4.77 percent, up from last week’s average 30 year home loan rates and refi rate of 4.74 percent. 

15 year mortgages rates and refinance rates are currently averaging 4.16 percent, an increase from last week when 15 year mortgage loan rates and refinance loan rates averaged 3.99 percent. 

30 year jumbo refinance mortgage rates and 30 year jumbo mortgage rates currently are averaging 5.27 percent, down from last week’s average jumbo rate and jumbo refi rate of 5.39 percent.

15 year jumbo rates and jumbo refinance rates are averaging 4.60 percent, an increase from the prior week’s average jumbo mortgage rate of 4.45 percent. 

Conforming Adjustable Mortgage Rates Today and Conforming Adjustable Mortgage Refinance Rates Today

The current refinancing rate and mortgage loan rate on 1 year adjustable rates are averaging 3.06 percent, down from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 3.12 percent.

3 year adjustable current mortgage refinancing rate rates and adjustable loan rates are averaging 3.38 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.37 percent.

Current refinance rates and interest rates on 5 year adjustable mortgages are averaging 3.30 percent, up from the prior week’s average rate of 3.26 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable mortgage loans are averaging 3.77 percent, up from the previous week’s average 7 year loan rate of 3.63 percent.

10 year adjustable mortgage loan rates today are averaging 4.35 percent this week, up from last week’s average 10 year adjustable rate of 4.28 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.35 percent.

Current Adjustable Jumbo Refinancing Mortgage Rates and Current Jumbo Mortgage Rates

1 year jumbo adjustable loan rates are averaging 3.63 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. Today refinance rates on 1 year jumbo loans are also averaging 3.63 percent.

3 year adjustable jumbo rates are averaging higher at 4.25 percent, up from last week’s average 3 year jumbo adjustable rate of 4.23 percent. Today’s refinance interest rates on 3 year jumbo mortgage loans are also higher, averaging 4.25 percent.

5 year adjustable jumbo interest rates today are averaging 3.72 percent, up from last week’s average jumbo adjustable rate of 3.66 percent. Today’s refi mortgage interest rates are also averaging 3.66 percent.

7 year jumbo adjustable loan rates today are averaging 4.65 percent, up from last week’s average 7 year adjustable home loan rate of 4.56 percent. 7 year jumbo refinance loan rates are also higher at 4.65 percent.

Today’s 10 year jumbo loan rates are averaging 5.26 percent, up from the prior week’s average 10 year jumbo home loan rate of 5.10 percent. 10 year jumbo refinance interest rates are also higher, averaging 5.26 percent.

Conforming Interest Only Adjustable Mortgage interest Rates Today and Today's Interest Only Refinancing Interest Rates

3 year interest only adjustable mortgage loan rates are averaging 3.58 percent, unchanged from last week’s average interest only mortgage loan rate. 3 year interest only adjustable refinance mortgage rates are also unchanged, averaging 3.58 percent.

5 year interest only adjustable loan rates are averaging 3.49 percent, up from last week’s average five year interest only mortgage loan rate of 3.43 percent. Today’s 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.49 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.98 percent, up from last week’s average 7 year interest-only mortgage interest rate of 4.81 percent. 7 year adjustable refi loan rates are averaging 3.98 percent.

Today's Jumbo Mortgage Loan Rates and Today's Mortgage Refi Rates on Interest Only Adjustable Jumbo Mortgages

3 year jumbo interest only adjustable loan rates are averaging 4.78 percent, unchanged from last week’s average jumbo adjustable interest only rate. 3 year interest only adjustable jumbo refi rates are also unchanged averaging 4.78 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.20 percent, unchanged from last week’s average IO home mortgage interest rate. 5 year jumbo adjustable IO loan rates are also unchanged, averaging at 4.20 percent.

7 year jumbo interest only adjustable rates are averaging 4.96 percent, up from an average jumbo 7 year home loan rate of 4.89 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.95  percent.

Today’s Home Equity Loan Rates

10 year home equity loan rates are averaging 6.714 percent, unchanged from last week’s average home equity rate.

15 year home equity rates are averaging 7.093 percent, unchanged from last week’s average home equity rate.

Today’s Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
Author: Brian McKay
January 29th, 2011