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Mortgage Rates and Refinacing Rates Today, January 21, 2011: 30 Year Mortgage Rates and Refinance Rates Averaging 4.77%

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Mortgage rates and refinancing rates are higher today. 30 year mortgage rates and refinance rates are averaging 4.77 percent, up from yesterday’s average 30 year rate of 4.75%. Today's 30 year mortgage rates and refinance rates in Montana are lower than the current national average 30 year interest rate.  Today, 30 year mortgage rates and refinance rates in Montana are averaging 4.69 percent.

Current 15 year mortgage rates and refinance rates are averaging 4.14 percent, up from yesterday's average 15 year mortgage rate and refi rate of 4.05 percent. 15 year refinance mortgage interest rates and mortgage rates in Kansas are slightly lower than the national average. Current mortgage refinancing rates and mortgage loan rates in Kansas are averaging 4.12 percent.

30 year jumbo mortgage rates and jumbo refinancing mortgage rates are currently averaging 5.35 percent, an increase from yesterday’s average 30 year jumbo rate and refi mortgage rate of 5.29 percent. 30 year jumbo mortgage loan rates and jumbo refinance rates in Minnesota are lower than the national average rate. 30 year refinancing rates and jumbo mortgage rates in Minnesota are averaging 5.34 percent.

15 year jumbo refinance rates and jumbo mortgage refinance rates today are at 4.66 percent, down from yesterday’s average jumbo loan rate and 15 year jumbo refi rate of 4.75 percent. 15 year jumbo mortgage rates and refinancing rates in Colorado are higher than the national average. 15 year Colorado mortgage rates and mortgage refinance loan rates are averaging 4.77 percent.

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

Today’s Mortgage Rates and Refinance Rates

Current Conforming Adjustable Mortgage Rates and Conforming Adjustable Refi Mortgage Rates Today

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 3.12 percent, up from last week’s average 1 year adjustable home mortgage refi rate and mortgage rate of 3.05 percent.

3 year adjustable current mortgage refinancing rate and adjustable loan mortgage rates are averaging 3.37 percent, down from last week’s average 3 year adjustable mortgage rate of 3.42 percent.

Current refinance rates and mortgage rates on 5 year adjustable mortgages are averaging 3.26 percent, down  from the prior week’s average rate of 3.71 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable mortgage loans are averaging 3.63 percent, down from the previous week’s average 7 year loan rate of 3.90 percent.

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

Adjustable Jumbo Refinance Rates and Jumbo Mortgage Rates

1 year jumbo adjustable loan rates are averaging 3.63 percent, up from the prior week’s average 1 year jumbo adjustable mortgage rate of 3.39 percent. Today refinance rates on 1 year jumbo loans are also averaging 3.39 percent.

3 year adjustable jumbo rates are higher averaging 4.23 percent, down from last week’s average 3 year jumbo adjustable mortgage rate of 4.31 percent. Today’s refinance interest rates on 3 year jumbo mortgage loans are also lower, averaging 4.23 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.66 percent, down from last week’s average jumbo adjustable mortgage rate of 3.88 percent. Today’s refi mortgage rates are also averaging 3.88 percent.

7 year jumbo adjustable loan rates today are averaging 4.56 percent, down from last week’s average 7 year adjustable home mortgage rate of 4.69 percent. 7 year jumbo refinance loan rates are also lower at 4.56  percent.

Today’s 10 year jumbo mortgage rates are averaging 5.10 percent, down from the prior week’s average 10 year jumbo mortgage rate of 5.24 percent. 10 year jumbo refinance interest rates are also lower averaging 5.10 percent.

Current Refinancing Mortgage Rates and Mortgage Rates on Conforming Interest Only Adjustable Mortgages

3 year interest only adjustable mortgage rates are averaging 3.58 percent, down from last week’s average interest only mortgage rate of 3.61 percent. 3 year interest only adjustable refinance loan rates are also lower, averaging 3.58 percent.

5 year interest only adjustable mortgage rates are averaging 3.43 percent, down from last week’s average five year interest only mortgage rate of 3.66 percent. Today’s 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.43 percent.

7 year interest only adjustable mortgage rates are averaging 3.81 percent, down from last week’s average 7 year interest-only mortgage rate of 4.18 percent. 7 year adjustable refi loan rates are averaging 3.81 percent.

Current Mortgage Refinancing Rates and Mortgage Rates on Interest Only Adjustable Mortgages

3 year jumbo interest only adjustable loan mortgage rates are averaging 4.78 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.96 percent. 3 year interest only adjustable jumbo refi rates are also lower averaging 4.78 percent.

5 year adjustable jumbo loan interest only mortgage rates are averaging 4.20 percent, down from last week’s average IO home mortgage interest rate of 4.42 percent. 5 year jumbo adjustable IO mortgage rates are also averaging  lower at 4.20 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.89 percent, down from an average jumbo 7 year home mortgage rate of 5.02 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.89  percent.

Home Equity Loan Rates Today

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.

Home Equity Line of Credit Rates Current

Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
Author: Brian McKay
January 21st, 2011