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Mortgage Rates 7-23: Home Mortgage Rates Today Decline: 30 Year Mortgage Rates at 4.69%, 15 Year Mortgage Rates at 4.13%

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Mortgage rates declined again reversing the trend of higher mortgage rates the past two days. Current 30 year mortgage rates are averaging 4.69 percent, down from Wednesday's average 30 year mortgage rate of 4.78 percent.

Today's 30 year jumbo mortgage rates have also gone down since Wednesday. 30 year jumbo mortgage rates are averaging 5.20 percent, a decline from an average 30 year mortgage rate of 5.39.



Comparing mortgage refinance rates and mortgage rates today? Search our mortgage rates table at MortgageRates.MonitorBankRates.com to find the lowest rates. Unlike most websites, no personal information is needed to display a current list of mortgage rates in your state.

15 year conforming mortgage rates have headed in the opposite direction. Current 15 year mortgage rates are up since Wednesday averaging 4.13 percent, up from an average 15 year mortgage rate of 4.06 percent.

Current 15 year jumbo mortgage rates are down averaging 4.81 percent, a decline from Wednesday's average 15 year jumbo rate of 4.91 percent.

Mortgage Rates Today July 23, 2010


Conforming Mortgage Rates



  • 30 Year Fixed Conforming Mortgage Rates 4.69%

  • 15 Year Fixed Conforming Mortgage Rates 4.13%


Jumbo Mortgage Rates



  • 30 Year Jumbo Fixed Mortgage Rates 5.20%

  • 15 Year Jumbo Fixed Mortgage Rates 4.81%


Conforming Adjustable Mortgage Rates



  • 1 Year Adjustable Rates 3.54%

  • 3 Year Adjustable Rates 4.14%

  • 5 Year Adjustable Rates 3.57%


Jumbo Adjustable Mortgage Rates



  • 1 Year Adjustable Rates 5.95%

  • 3 Year Adjustable Rates 4.55%

  • 5 Year Adjustable Rates 4.07%


Following is a more in-depth mortgage rate report released by MonitorBankRates.com earlier this week.

Today's Mortgage Rates


30 year mortgage rates are averaging 4.72 percent this week, up from the previous week’s average 30 year mortgage rate of 4.67 percent. Current 30 year refinance mortgage rates are also averaging 4.67 percent this week.

15 year mortgage rates currently are averaging 4.21 percent this week, an increase from last week’s average 15 year mortgage interest rate of 4.18 percent. 15 year mortgage refinance rates currently are also are higher averaging 4.21 percent this week.

Jumbo Mortgage Rates Today


Current 30 year jumbo mortgage rates are averaging 5.33 percent this week, an increase from last week’s average 30 year jumbo mortgage interest rate of 5.25 percent.  The current average 30 year jumbo mortgage refinance rate is also at 5.33 percent.

15 year jumbo mortgage rates today are averaging 4.71 percent, down from last week’s average jumbo mortgage rate of 4.79 percent. Current 15 year jumbo refinance mortgage rates today are also lower, averaging 4.71 percent.

Adjustable Mortgage Rates Current


1 year conforming adjustable mortgage rates today are averaging 3.54 percent, down from last week’s average 1 year adjustable interest mortgage rate of 3.56 percent. 1 year conforming adjustable refinance mortgage interest rates today are also averaging 3.54.

Currently, 3 year adjustable conventional mortgage rates are at 4.09 percent this week, up from the previous week’s average 3 year adjustable rate mortgage of 4.01 percent. Current 3 year mortgage refinance rates today are also higher, averaging 4.09 percent.

5 year adjustable mortgage loan rates today are averaging 3.58 percent, down  from the prior week’s average home loan rate of 3.62 percent. Today’s 5 year refinance home mortgage rates are also down averaging 3.58 percent.

Current 7 year adjustable mortgage rates are averaging 3.86 percent this week, down slightly from last week’s average 7 year home mortgage rate of 3.87 percent. 7 year mortgage refinance rates today are also lower averaging 3.86 percent.

Today’s 10 year adjustable mortgage interest rates are averaging 4.21 percent this week, up from the previous week’s average 10 year adjustable mortgage rate of 4.14 percent.  Current 10 year home mortgage refinance rates are also higher averaging 4.21 percent.

Current Jumbo Adjustable Mortgage Rates


1 year jumbo adjustable mortgage loan rates today are averaging 5.95 percent, unchanged from the previous week’s average 1 year adjustable jumbo mortgage rate. 1 year jumbo refinance mortgage rates today are also averaging 5.95 percent.

Current 3 year jumbo adjustable mortgage interest rates are averaging 4.57 percent, down from last week’s average jumbo interest mortgage rate of 4.61 percent. Today’s 3 year jumbo refinance mortgage rates are also lower, averaging 4.57 percent.

5 year jumbo adjustable home mortgage rates today are averaging 4.07 percent this week, up from last week’s average mortgage rate of 4.06 percent. Current 5 year jumbo refinance rates today are also up slightly averaging 4.07 percent.

Today’s 7 year jumbo adjustable mortgage rates current are averaging 4.66 percent, down from last week’s average 7 year home mortgage rate of 4.68 percent. 7 year jumbo refinance mortgage rates today are also down to 4.66 percent.

10 year jumbo mortgage rates are averaging 5.28 percent, up from the previous week’s average 10 year jumbo home mortgage rates of 5.26 percent. Today’s 10 year jumbo home loan refinance rates are also higher averaging 5.28 percent.

Conforming Interest Only Adjustable Mortgage Rates Current


3 year interest only adjustable mortgage rates today are averaging 4.27 percent, up from last week’s average interest only mortgage loan rate of 4.42 percent. Current 3 year interest only adjustable refinance mortgage rates are also higher averaging 4.27 percent.

Current 5 year interest only adjustable mortgage rates today are averaging 3.75 percent, down rom last week’s average five year interest only mortgage loan rate of 3.67 percent. Today’s 5 year interest only adjustable refinance mortgage rates are also averaging 3.75 percent.

7 year interest only home adjustable mortgage rates currently are averaging 4.09 percent, up from last week’s average 7 year IO mortgage rate of 4.02 percent. Today’s 7 year adjustable refinance rate mortgages are also averaging 4.02 percent.

Interest Only Jumbo Adjustable Mortgage Rates Today


Current 3 year jumbo interest only loan adjstuable mortgage rates are averaging 5.16 percent, unchanged from last week’s average jumbo adjustable interest only mortgage rate of 5.26 percent. Today’s jumbo IO adjustable refinance rates are also averaging 5.16 percent.

Today’s 5 year adjustable jumbo interest only home loan rates are at 4.54 percent, up from an average IO home mortgage rate of 4.52 percent the previous week. 5 year jumbo adjustable IO loan rates are also averaging 4.54 percent.

7 year jumbo IO adjustable mortgage rates today are averaging 4.98 percent, up from an average jumbo 7 year home mortgage rate of 4.95 percent last week. 7 year jumbo adjustable interest-only mortgage rates are also at 4.98 percent.

Home Equity Loan Rates


Current 10 year home equity loan rates are averaging 7.115 percent, unchanged from last week’s average home equity loan rate.

Today’s 15 year home equity rates are averaging 7.433 percent this week, no change from last week’s average home equity loan rate.

Home Equity Line of Credit Rates


Current average home equity line of credit rates (HELOC) are at 4.777 percent this week, unchanged from last week’s average HELOC rate.
 
Author: Brian McKay
July 23rd, 2010