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Mortgage Rates Today 12/15/10: 30 Year Conforming Mortgage Rates Hit 4.84%, 30 Year Jumbo Mortgage Rates Hit 5.46%

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Mortgage rates continue to increase following bond yields higher. 30 year conforming mortgage rates are almost at 5.00 percent again. Current 30 year conforming mortgage rates and conforming refinance rates are averaging 4.84 percent, up from yesterday's average 30 year conforming home mortgage rate and refinance rate of 4.71 percent. 30 year home mortgage rates and home refinance mortgage rates in Virginia are lower averaging 4.69 percent.

Current 15 year home mortgage rates and refinance mortgage rates are averaging 4.11 percent, up from yesterday’s average 15 year home mortgage loan rate and mortgage refinance rate of 4.08 percent. 15 year home mortgage rates and refinance rates in Rhode Island are slightly lower averaging 4.09 percent.

Today's 30 year jumbo refinance mortgage rates and mortgage rates are averaging 5.46 percent, up from yesterday’s average 30 year jumbo home loan rate and refinance loan rate of 5.36 percent. 30 year jumbo home mortgage rates and home refinance rates in New Jersey are lower only averaging 5.17 percent.

15 year jumbo refinance mortgage rates and current mortgage rates are averaging 4.59 percent, down from yesterday’s average 15 year jumbo loan rate and 15 year jumbo refinance rate of 4.62 percent. 15 year jumbo home mortgage rates and mortgage refinance rates in Georgia are higher averaging 4.74 percent.

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

Today's Mortgage Refinance Rates and Mortgage Rates

Adjustable Conforming Refinance Mortgage Rates Today and Conforming Mortgage Rates Today

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

3 year adjustable mortgage rates are averaging 3.37 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.23 percent. Today’s refinance interest rates are also higher, averaging 3.37 percent.

5 year adjustable mortgage loan rates today are averaging 3.16 percent, down from the prior week’s average mortgage rate of 3.40 percent. Today’s refi mortgage rates are averaging in lower at 3.16 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.49 percent, up from the previous week’s average 7 year home mortgage rate of 3.45 percent. Today’s 7 year refinance rates are also higher, averaging 3.49 percent.

10 year adjustable mortgage loan rates today are averaging 3.98 percent this week, up slightly from last week’s average 10 year adjustable mortgage rate of 3.96 percent. 10 year home refinance rates today are also averaging 3.98 percent.

Current Adjustable Jumbo Refinance Rates and Jumbo Adjustable Mortgage Rates Today

1 year jumbo adjustable loan rates are averaging 4.92 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 also  averaging 4.92 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.06 percent, down from last week’s average 3 year jumbo adjustable loan rate of 4.09 percent. 3 year jumbo refinance rates today are also lower at 4.06 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.62 percent, up from last week’s average mortgage rate of 3.58 percent. 5 year jumbo refi rates today are also averaging 3.62 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.41 percent, down from last week’s average 7 year home mortgage loan rate of 4.42 percent. 7 year jumbo refinance mortgage rates today are also lower at 4.41 percent.

10 year jumbo loan interest rates are averaging 4.99 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 4.97 percent. 10 year jumbo home loan refinance interest rates today are also higher, averaging 4.99 percent.

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

3 year interest only adjustable mortgage loan rates today are averaging 3.40 percent, up from last week’s average interest only mortgage loan rate of 3.38 percent. 3 year interest only adjustable refinance mortgage rates are also higher at 3.40 percent.

5 year interest only adjustable loan rates are averaging 3.32 percent, up from last week’s average five year interest only mortgage loan rate of 3.26 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.32 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.70 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.58 percent. 7 year adjustable refinance rate mortgages today are averaging 3.70 percent.

Interest Only Adjustable Jumbo Refinance Rates Today and Jumo IO Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.54 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.58 percent. 3 year interest only adjustable jumbo refinance rates today are also lower, averaging 4.54 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.13 percent, up from last week’s average IO home mortgage interest rate of 4.00 percent. 5 year jumbo adjustable IO loan rates are also averaging higher at 4.13 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.70 percent, down from an average jumbo 7 year home mortgage rate of 4.81 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.70 percent.

Home Equity Loan Rates

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

Today’s 15 year home equity rates are averaging 7.088 percent, unchanged from last week’s average home equity rate.


Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
Author: Brian McKay
December 15th, 2010