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Home Mortgage Rates Today: 30 Year Mortgage Rates at 4.07%

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Home mortgage rates are flat today after hitting new lows on Saturday. Interest rates head lower on news of a weak September employment report and the hope the fed will drive interest rates even lower with another round of easing. Conforming 30 year mortgage rates are averaging 4.07 percent, unchanged from yesterday's average 30 year home mortgage rate. Today's average 30 year home mortgage rates in Maine is slightly higher averaging 4.11 percent.

Conventional 15 year home mortgage rates today are averaging 3.53 percent, unchanged from yesterday's average 15 year mortgage loan rate.15 year home mortgage rates in Oklahoma are higher averaging 3.59 percent.

Current 30 year jumbo home mortgage interest rates are averaging 4.65 percent, unchanged from yesterday's average 30 year jumbo mortgage rate.  Today's 30 year jumbo rates in Virginia are higher averaging 4.86 percent.

15 year jumbo mortgage rates today are averaging 4.16 percent, unchanged from Monday's average 15 year jumbo home mortgage interest rate. 15 year jumbo home loan rates in California are much higher averaging 4.56 percent.

Following is a more in-depth mortgage rates report released by earlier this week:

Mortgage Rates

Conforming Mortgage Interest Rates Today

30 year mortgage rates today are averaging 4.07 percent, down from last week’s average 30 year home mortgage rate 4.30 percent. 30 year refinance mortgage rates today are also lower, averaging 4.07 percent.

15 year mortgage loan rates today are averaging 3.53 percent, down from the previous week’s average 15 year mortgage interest rate of 3.75 percent. 15 year mortgage refinance loan rates today are also lower, averaging 3.52 percent.

Jumbo Mortgage Rates Today

30 year jumbo mortgage loan rates today are averaging 4.65 percent, down from the previous week’s average 30 year jumbo mortgage interest rate of 4.76 percent. 30 year jumbo loan refinance rates today are lower averaging in at 4.65 percent.

15 year jumbo mortgage interest rates today are averaging at 4.16 percent, a decline from the prior week’s average jumbo mortgage loan rate of 4.24 percent. 15 year jumbo mortgage refinance rates today are also lower at 4.16 percent.

Conventional Adjustable Mortgage Interest Rates Today

1 year adjustable mortgage rates today are averaging 3.17 percent, an increase from last week’s average 1 year adjustable home mortgage loan rate of 3.14 percent. Current 1 year conforming adjustable refinance loan mortgage rates are also higher averaging 3.17 percent.

3 year adjustable mortgage rates today are averaging 3.30 percent, a decrease from last week’s average 3 year adjustable mortgage loan rate of 3.48 percent. Today’s 3 year mortgage refinance rates are also lower averaging 3.30 percent.

5 year adjustable mortgage loan rates today are averaging 3.10 percent, down from the prior week’s average mortgage rate of 3.19 percent. 5 year refinance home loan rates today are also lower at 3.10 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.29 percent, down from the previous week’s average 7 year home mortgage rate of 3.45 percent. Today’s 7 year refinance interest rates are lower averaging 3.29 percent.

10 year adjustable mortgage loan rates are averaging 3.67 percent this week, down from last week’s average 10 year adjustable mortgage rate of 3.84 percent. 10 year home refinance rates today are also averaging 3.67 percent.

Adjustable Jumbo Mortgage Rates Today

Current 1 year jumbo adjustable loan interet rates are averaging 5.32 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. 1 year jumbo refinance loan mortgage rates today are unchanged at 5.32 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.04 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.04 percent. 3 year refinance jumbo mortgage rates today are also higher at 4.04 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.46 percent, down from last week’s average mortgage rate of 3.57 percent. 5 year jumbo mortgage refi rates today are also lower at 3.46 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.35 percent, down from last week’s average 7 year home mortgage loan rate of 4.37 percent. 7 year jumbo refinance mortgage rates today are also lower, averaging 4.35 percent.

10 year loan jumbo loan interest rates are averaging 4.25 percent, down from the prior week’s average 10 year jumbo home mortgage rate of 4.82 percent. 10 year jumbo home loan refinance interest rates today are also lower averaging 4.25 percent.

Conventional Interest-Only Adjustable Mortgage Rates Today

3 year interest only adjustable mortgage loan rates today are averaging 3.44 percent, down from last week’s average interest only mortgage loan rate of 3.64 percent. 3 year interest only adjustable refinance mortgage rates are also lower averaging 3.44 percent.

Current 5 year interest only adjustable loan rates are averaging 3.10 percent, down from last week’s average five year interest only mortgage loan rate of 3.26 percent.  5 year interest only adjustable refinance mortgage rates are averaging 3.10 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.29 percent, down from last week’s average 7 year interest-only mortgage interest rate of 3.42 percent. 7 year adjustable refinance rate mortgages today are averaging 3.29 percent.

Jumbo Interest Only Adjustable Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.41 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.42 percent. 3 year interest only adjustable jumbo refinance rates today are averaging 4.41 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.16 percent, up from last week’s average IO home mortgage interest rate of 4.11 percent. 5 year jumbo adjustable IO loan rates are also higher averaging 4.16 percent.

7 year jumbo IO loan adjustable mortgage rates are averaging 4.62 percent, down from an average jumbo 7 year home mortgage rate of 4.69 percent last week. 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.62 percent.

Home Equity Loan Rates Today

Current 10 year home equity loan rates are averaging 6.766 percent, unchanged from the previous week’s average home equity loan rate.

15 year home equity rates today are averaging 7.095 percent, unchanged from last week’s average home equity rate.

Home Equity Line of Credit Rates Current

Home equity line of credit rates are averaging 4.947 percent, up from last week’s average HELOC rate of 4.913 percent.
Author: Brian McKay
October 12th, 2010