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Mortgage Rates Head Higher Today 12-4-10: 30 Year Mortgage Rates and Refinance Mortgage Rates at 4.49%

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Mortgage rates and refinance mortgage rates increased today over yesterday. 30 year conforming mortgage rates and refinance mortgage rates are averaging 4.49 percent, up from yesterday's average mortgage rate and refinance rate of 4.46 percent. 30 year home mortgage rates and home refinance mortgage rates in Idaho are higher averaging 4.53 percent.

Current 15 year refinance rates and mortgage rates are averaging 3.86 percent, an increase from yesterday’s average 15 year home mortgage loan rate of 3.72 percent. 15 year home mortgage loan rates in New Hampshire are even higher averaging 3.90 percent. 

Today's 30 year jumbo refinance rates and mortgage rates are averaging 5.02 percent, up from yesterday’s average 30 year jumbo home loan rate of 4.95 percent. 30 year jumbo home mortgage rates in Vermont are higher averaging 5.07 percent.

15 year jumbo mortgage rates today and refinance mortgage rates are averaging 4.16 percent, unchanged from yesterday’s average 15 year jumbo loan rate. 15 year jumbo home mortgage rates and refinance mortgage rates in Hawaii are lower averaging 4.10 percent..

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

Today's Mortgage Rates & Today's Refinance Mortgage Rates

Conforming fixed 30 year mortgage rates are averaging 4.44 percent, up from last week’s average 30 year mortgage rate of 4.36 percent. 30 year conventional home mortgage rates and refinancing rates in South Carolina are lower than the national average 30 year mortgage rate.

Fixed conforming 15 year home mortgage rates today are averaging 3.74 percent, down from the previous week’s average 15 year mortgage loan rate of 3.78 percent. 

30 year jumbo home mortgage rates are averaging 4.93 percent, unchanged from last week’s average jumbo mortgage rate. 

Current 15 year jumbo home mortgage rates are averaging at 4.16 percent, down from the prior week’s average jumbo mortgage loan rate of 4.42 percent.

Conforming Adjustable Mortgage Rates Today and Conforming Refinance Mortgage Rates Today

1 year adjustable mortgage rates today are averaging 3.05 percent, down from last week’s average 1 year adjustable home mortgage loan rate of 3.09 percent. 1 year today refinance rates are also lower averaging 3.05 percent.

3 year adjustable mortgage rates are averaging 3.23 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.21 percent. Today’s refinance interest rates are also higher averaging 3.23 percent.

5 year adjustable mortgage loan rates today are averaging 3.40 percent, up from the prior week’s average mortgage rate of 3.20 percent. Today’s refi mortgage rates are also higher averaging 3.40 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.45 percent, down from the previous week’s average 7 year home mortgage rate of 3.50 percent. Today’s 7 year refinance rates are also lower averaging 3.45 percent.

10 year adjustable mortgage loan rates today are averaging 3.96 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.94 percent. 10 year home refinance rates today are also averaging 3.96 percent.

Current Jumbo Adjustable Mortgage Rates and Jumbo Adjustable Refinance Mortgage Rates

1 year jumbo adjustable loan rates are averaging 4.92 percent, down from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate of 5.33 percent. 1 year jumbo refinance loan mortgage rates today are also lower averaging 4.92 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.09 percent, down from last week’s average 3 year jumbo adjustable loan rate of 4.16 percent. 3 year jumbo refinance rates today are also lower at 4.09 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.58 percent, down from last week’s average mortgage rate of 3.63 percent. 5 year jumbo  refi rates today are also averaging 3.58 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.42 percent, up from last week’s average 7 year home mortgage loan rate of 4.34 percent. 7 year jumbo refinance mortgage rates today are also higher at 4.42 percent.

10 year loan jumbo loan interest rates are averaging 4.97 percent, down from the prior week’s average 10 year jumbo home mortgage rate of 5.05 percent. 10 year jumbo home loan refinance interest rates today are also lower averaging 4.97 percent.

Conforming Interest Only Adjustable Refinance Mortgage Rates and Conforming Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates today are averaging 3.38 percent, down from last week’s average interest only mortgage loan rate of 3.41 percent. 3 year interest only adjustable refinance mortgage rates are also lower at 3.38 percent.

5 year interest only adjustable loan rates are averaging 3.26 percent, down from last week’s average five year interest only mortgage loan rate of 3.44 percent. Currnet 5 year interest only adjustable refinance mortgage rates are also averaging 3.26 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.58 percent, down from last week’s average 7 year interest-only mortgage interest rate of 3.73 percent. 7 year adjustable refinance rate mortgages today are averaging 3.58 percent.

Today’s Jumbo Interest Only Adjustable Mortgage Rates and Jumbo Interest Only Adjustable Refinance Mortgage Rates

3 year jumbo interest only adjustable mortgage rates today are averaging 4.58 percent, unchanged from last week’s average jumbo adjustable interest only mortgage rate. 3 year interest only adjustable jumbo refinance rates today are also unchanged at 4.58 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.00 percent, down from last week’s average IO home mortgage interest rate of 4.09 percent. 5 year jumbo adjustable IO loan rates are also lower averaging 4.00 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.81 percent, up from an average jumbo 7 year home mortgage rate of 4.73 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.81 percent.

Home Equity Loan Rates Today

Current 10 year home equity loan rates are averaging 6.700 percent, up from last week’s average home equity rate of 6.686 percent.

Today’s 15 year home equity rates are averaging 7.088 percent, an increase from last week’s average home equity rate of 7.073 percent.

HELOC Rates Current

Home equity line of credit rates are averaging 5.15 percent, up from last week’s average HELOC rate of 5.12 percent
Author: Brian McKay
December 4th, 2010