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Mortgage Rates 7/18: Current Mortgage Rates Stablize: 30 Year Mortgage Rates at 4.72%

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Mortgage rates have stabilized after setting new lows his past week. Current 30 year mortgage rates are averaging 4.72 percent, unchanged from  Friday's average 30 year mortgage rate. 30 year mortgage rates hit a low of 4.58 percent earlier this week and starting heading higher on Friday. We don't antipate mortgage rates to head that much higher in the near future because of the recent poor economic numbers are pointing to a slower growth economy.

Searching for mortgage rates and refinance mortgage rates? Use our mortgage rate tables at to find the lowest mortgage rates and refinance rates. Unlike most websites, no personal information is needed for a list of mortgage rates.

Current 30 year jumbo mortgage interest rates continue to head down this week. Current 30 year jumbo mortgage rates are averaging 5.33 percent, down from an average 30 year mortgage rate of 5.34 percent on Friday.

Today's 15 year mortgage rates have also stablized just above lows set on Friday. Current 15 year mortgage rates are averaging 4.21 percent, up from an average 15 year mortgage interest rate of 4.19 percent. Current 15 year jumbo mortgage rates are averaging 4.71 percent, unchanged from Friday's average jumbo bank mortgage rate.

Mortgage Rates for July 18, 2010

  • 30 Year Fixed Conforming Mortgage Rates 4.72%

  • 15 Year Fixed Conforming Mortgage Rates 4.21%

  • 30 Year Jumbo Fixed Mortgage Rates 5.33%

  • 15 Year Jumbo Fixed Mortgage Rates 4.71%

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

Today's Mortgage Rates

30 year conforming mortgage rates are averaging 4.67 percent this week, unchanged from the previous week’s average 30 year mortgage rate. 30 year mortgage refinance rates are also averaging 4.67 percent this week.

Current conforming 15 year mortgage rates are up slightly this week. The average 15 year mortgage rate is at 4.18 percent, up from last week’s average 15 year mortgage interest rate of 4.16 percent. Today’s 15 year mortgage refinance rates are higher averaging 4.18 percent.

Jumbo Mortgage Rates Today

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

Current 15 year jumbo loan rates today are averaging 4.79 percent, a decrease from last week’s average jumbo mortgage interest rate of 4.84 percent. 15 year jumbo refinance mortgage rates today are also lower averaging 4.79 percent.

Adjustable Mortgage Rates Current

Current 1 year conforming adjustable mortgage rates are averaging 3.56 percent, unchanged from last week’s average 1 year adjustable interest mortgage rate. Today’s 1 year conforming adjustable refinance mortgage interest rates are also averaging 3.56.

Today’s 3 year adjustable conforming mortgage rates are at 4.01 percent this week, down from the previous week’s average 3 year adjustable rate mortgage of 4.21 percent. 3 year mortgage refinance rates today are also higher this week, averaging 4.01 percent.

5 year adjustable mortgage loan rates today are averaging 3.62 percent, up  from the prior week’s average home loan rate of 3.54 percent. 5 year refinance home mortgage rates today are also up averaging 3.62 percent.

7 year adjustable mortgage rates are averaging 3.87 percent this week, down from last week’s average 7 year home mortgage rate of 3.90 percent. Today’s 7 year mortgage refinance rates are also lower averaging 3.87 percent.

10 year adjustable mortgage bank rates are averaging 4.14 percent this week, down from the previous week’s average 10 year adjustable mortgage rate of 4.20 percent.  Current10 year home mortgage refinance rates are also lower, averaging 4.14 percent.

Current Adjustable Jumbo Mortgage Rates

1 year jumbo adjustable mortgage loan rates are averaging 5.95 percent, no change from last week’s average 1 year adjustable jumbo interest mortgage rate. Current 1 year jumbo refinance mortgage rates are also averaging 5.95 percent.

Today’s 3 year jumbo adjustable mortgage interest rates are averaging 4.61 percent, down from last week’s average jumbo interest mortgage rate of 4.73 percent. Current 3 year jumbo refinance mortgage rates are also lower, averaging 4.61 percent.

Current 5 year jumbo adjustable home mortgage rates are averaging 4.06 percent this week, up from last week’s average mortgage rate of 4.03 percent. Current 5 year jumbo refinance rates are also up slightly averaging 4.06 percent.

7 year jumbo adjustable mortgage rates current are averaging 4.68 percent, down from last week’s average 7 year home mortgage rate of 4.71 percent. Current 7 year jumbo refinance rates today are also down to 4.68 percent.

Currently, 10 year jumbo mortgage rates are averaging 5.26 percent, a decline from the prior week’s average 10 year jumbo home mortgage rates of 5.43 percent. Current 10 year jumbo home loan refinance rates are also averaging 5.26 percent.

Current Interest Only Mortgage Rates Conventional

Current 3 year interest only mortgage rates are averaging 4.23 percent, down from last week’s average interest only mortgage loan rate of 4.42 percent.

Current 5 year interest only mortgage rates today are averaging 3.76 percent, up from last week’s average five year interest only mortgage loan rate of 3.67 percent.

7 year interest only home mortgage rates today are averaging 4.02 percent, unchanged from last week’s average 7 year IO mortgage rate.

Today's Interest Only Jumbo Mortgage Rates

3 year jumbo interest only loan mortgage rates are averaging 5.16 percent, down from last week’s average jumbo interest only mortgage rate of 5.27 percent.

5 year jumbo interest only home loan rates are at 4.52 percent, down from an average IO home mortgage rate of 4.54 percent.

7 year jumbo IO mortgage rates today are averaging 4.95 percent, up from an average jumbo 7 year home mortgage rate of 4.81 percent last week.

Home Equity Loan Rates Current

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 Today

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 18th, 2010