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Today’s Mortgage Rates: Current 30 Year Mortgage Rates 4.87%, 15 Year Mortgage Rates at 4.16%

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Current conforming 30 year conforming mortgage rates and refinance rates are averaging 4.87 percent, up from yesterday's average 30 year mortgage rate and refinance rate of 4.85 percent. 30 year interest rates in California are higher than the national average interest rate. Today's 30 year interest rates in California are averaging 4.94 percent.

Find a list of current mortgage rates and refinance rates by searching our rate lists at

Today's conforming 15 year mortgages rates and refinance rates are averaging 4.16 percent, up from yesterday's average 15 year mortgage rate and refi rate of 4.10 percent. 15 year interest rates in Indiana are higher than the national average 15 year rate. 15 year loan rates today in Indiana are averaging 4.22 percent.

Current 30 year jumbo mortgage rates and jumbo refinancing rates are averaging 5.46 percent, up from yesterday's average jumbo loan rate of 5.34 percent. 30 year jumbo rates in Vermont are also averaging 5.46 percent.

15 year jumbo mortgage rates and jumbo mortgage refinance rates are averaging 4.65 percent, down from the yesterday's average jumbo rate of 4.71 percent. 15 year jumbo rates in New York are higher averaging 4.67 percent. 

Below is a more in-depth mortgage rates and refinance rates report released by MonitorBankRates yesterday:
30 year conforming mortgage rates and refinance rates are averaging 4.85 percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.80 percent. 

15 year conforming mortgages rates and refinance rates are averaging 4.11 percent, up from last week’s average 15 year interest rate of 4.10 percent.

30 year jumbo mortgage rates today and jumbo refinance rates are averaging 5.32 percent, down from last week’s average jumbo loan rate of 5.34 percent. 

15 year jumbo interest rates and jumbo refinance rates are averaging 4.71 percent, up from the prior week’s average jumbo rate of 4.65 percent. 

Conforming Adjustable Mortgage Rates

The current average rate on 1 year adjustable loans is averaging 2.92 percent, down from last week’s average 1 year adjustable rate of 3.11 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.59 percent, up from last week’s average 3 year rate of 3.55 percent.

Current rates on 5 year ARMs are averaging 3.48 percent, up from the prior week’s average rate of 3.31 percent.

Refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 3.84 percent, up from the previous week’s average of 3.72 percent.

10 year adjustable loan rates are averaging 4.28 percent this week, up from last week’s average 10 year adjustable rate of 4.25 percent. Average refinance rates on 10 year home loans are also averaging 4.28 percent.

Current Adjustable Jumbo Mortgage Rates

Today’s 1 year jumbo adjustable loan rates are averaging 3.25 percent, down from the prior week’s average 1 year jumbo adjustable rate of 4.05 percent. Jumbo refinance rates are also averaging 3.25 percent.

3 year adjustable jumbo rates are averaging 3.89 percent, down from last week’s average 3 year jumbo rate of 4.16 percent. Current refinance rates on 3 year jumbo loans are also lower, averaging 3.89 percent.

5 year adjustable jumbo interest rates today are averaging 3.92 percent, up from last week’s average jumbo adjustable rate of 3.73 percent. Today’s refinancing interest rates are also averaging 3.92 percent.

7 year jumbo adjustable loan rates are averaging 4.57 percent, up from last week’s average 7 year adjustable rate of 4.29 percent. 7 year jumbo refinance rates are also higher at 4.57 percent.

10 year jumbo loan rates are averaging 5.03 percent, up from the prior week’s average 10 year jumbo rate of 4.93 percent. 10 year jumbo refinance interest rates are also higher, averaging 5.03 percent.

Today's Conforming Interest Only Adjustable Rates

3 year interest only adjustable rates are averaging 3.71 percent, up from last week’s average loan rate of 3.64 percent. 3 year interest only adjustable refi rates are also averaging 3.71 percent.

5 year interest only ARMs are averaging 3.68 percent, up from last week’s average 5 year rate of 3.31 percent. 5 year IO adjustable refinance mortgage loan rates are also averaging 3.68 percent.

7 year interest-only adjustable mortgage loan rates are averaging 4.05 percent, up from last week’s average 7 year interest only mortgage rate of 3.87 percent. 7 year adjustable refi rates are averaging 4.05 percent.

Today's Interest Only Jumbo Refinace Adjustable Rates

3 year jumbo interest only loan rates are averaging 4.49 percent, up from last week’s average jumbo adjustable interest only rate of 4.46 percent. 3 year interest only adjustable jumbo refi rates are also averaging 4.49 percent.

5 year adjustable jumbo interest only rates are averaging 4.30 percent, up from last week’s average IO home mortgage interest rate of 4.08 percent. 5 year jumbo adjustable IO loan rates are also averaging 4.30 percent.

7 year jumbo interest only adjustable rates are averaging 4.84 percent, up from last week’s average jumbo rate of 4.54 percent. 7 year jumbo adjustable IO refi are also averaging 4.54 percent.

Home Equity Loan Rates Current

10 year home equity loan rates are averaging 6.65 percent, no change from last week’s average home equity loan rate.

15 year home equity rates are averaging 7.04 percent, up from the prior week’s average home equity loan rate of 7.03  percent.

Home Equity Line of Credit Rates Today

Home equity line of credit rates are averaging 5.13 percent, no change from last week’s average rate HELOC rate.
Author: Brian McKay
April 5th, 2011