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Mortgage Rates

| Search for Current Refinance Rates and Mortgage Rates from Many Lenders
Search and compare refinance rates and mortgage rates today from many lenders by using our search tool.The rate list below is displaying mortgage refinance rates for a $200,000 mortgage loan in your state. Change the search criteria to receive your own personalized mortgage quotes from many lenders at once.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 98501, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Capital One Logo
NMLS # 453156
(877) 509-9727
at 2.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: $6,615
 
 
Next button
Mortgage Capital Associates Inc Logo
NMLS # 3294
State Lic # CL-3294
(877) 829-3373
at 2.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 2.000 pts
45 day lock rate
Est payment: $1,321.84
Fees in APR: $795
 
 
Next button
Sebonic Financial Logo
NMLS # 66247 Cardinal Financial
State Lic # CL-66247
(877) 661-8303
at 1.100 pts
30 day lock rate
Est payment: $1,321.84
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 1.100 pts
60 day lock rate
Est payment: $1,310.17
Fees in APR: $1,574
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # CL-174457
(877) 511-6840
at 1.100 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: $2,345
Thanks for the inquiry. 
 
Next button
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 1.000 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: $795
 
 
Next button
Sebonic Financial Logo
NMLS # 66247 Cardinal Financial
State Lic # CL-66247
(877) 661-8303
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $1,134
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # CL-174457
(877) 511-6840
at 0.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $3,345
Thanks for the inquiry. 
 
Next button
Capital One Logo
NMLS # 453156
(877) 509-9727
at 1.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $2,490
 
 
Next button
Mortgage Capital Associates Inc Logo
NMLS # 3294
State Lic # CL-3294
(877) 829-3373
at 1.000 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
Home Point Financial Logo
NMLS # 7706
(877) 344-8116
at 0.717 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
 
Next button
at 0.100 pts
60 day lock rate
Est payment: $1,310.17
Fees in APR: $3,448
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # CL-174457
(877) 511-6840
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $1,595
Thanks for the inquiry. 
 
Next button
Capital One Logo
NMLS # 453156
(877) 509-9727
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $990
 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: $574
 
 
Next button
First National Financing Logo
NMLS # 374978
State Lic # CL-374978
at 0.000 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
 
Next button
Home Point Financial Logo
NMLS # 7706
(877) 344-8116
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
 
Next button
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: $795
 
 
Next button
Sebonic Financial Logo
NMLS # 66247 Cardinal Financial
State Lic # CL-66247
(877) 661-8303
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
Mortgage Capital Associates Inc Logo
NMLS # 3294
State Lic # CL-3294
(877) 829-3373
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
Cashmere Valley Bank
3.154%
9/22/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $399
 
 
Anchor Bank
3.191%
9/28/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $914
 
 
Wheatland Bank
3.052%
9/26/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $727
 
 
BMO Harris Bank, NA
2.866%
9/29/2016
2.750%
at 0.375 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $864
 
 
IAB Financial Bank
3.060%
9/28/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $828
 
 
First Citizens Bank
3.010%
9/20/2016
2.750%
at 1.380 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $842
 
 
Armed Forces Bank, N.A.
2.947%
9/28/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $999
 
 
Union Bank
3.449%
9/28/2016
3.375%
at 0.125 pts
60 day lock rate
Est payment: $1,417.52
Fees in APR: $771
 
 
LincolnWay Community Bank
2.828%
9/28/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
Peoples Bank
2.918%
9/20/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $604
 
 
Bank of the West
3.182%
9/27/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $793
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.



Average 30 year mortgage rates have fallen again this week and are only 3 basis points from the all-time record low of 3.31 percent set in 2012. The lowest 30 year mortgage rate with 0.10 points in our database for a home purchase are at 3.125 percent. The lowest 30 year rate available today for a refinance loan is even lower at 3.00 percent with 1.10 mortgage points.

30 year mortgage rates on average are at 3.31 percent but right now there are lenders in our database quoting rates below the average. Current average 30 year mortgage rates are at 3.34 percent, down 17 basis points from the prior week’s average of 3.51 percent. There is a good chance 30 year rates will make a new all-time low sometime this week.

You can see a list of refinance rates in our state by searching our database at Refinance Rates Today.

Average 15  year mortgage rates today are at 2.63 percent, down from the previous week’s average 15 year rate of 2.69 percent. The lowest 15 year mortgage rate in our database for a purchase is at 2.375 percent with 1.10 points. The best 15 year refinance rate in our database is slightly lower at 2.25 percent with 1.10 points.

Today’s mortgage rates on 30 year jumbo loans are slightly higher this week. The current average 30 year jumbo rate is at 4.33 percent, up from last week’s average 30 year jumbo rate of 4.27 percent. The best 30 year jumbo rate in our database for a purchase is at 3.25 percent with 1.10 points. The lowest 30 year jumbo refinance rate is at 3.125 percent with 2 points.

15 year jumbo mortgage rates are currently averaging 3.84 percent, up from last week’s average 15 year jumbo rate of 3.81 percent. The best 15 year jumbo mortgage rate available in our database for a home purchase or loan refinance is much lower, at 2.75 percent with 1.10 points.

 
Author: Brian McKay
September 29th, 2016

Average 30 year mortgage rates increased last week to 3.51 percent, the first time in almost 3 months that rates were above 3.50 percent. The increase was short lived as 30 year mortgage rates fell to 3.49 percent this week. We expect 30 year mortgage rates to stay below 3.50 percent in the interim unless the Federal Reserve increases the fed funds rate this week.

As of September 18, the CME Group’s FedWatch Tool has put the probability of a rate hike at only 12 percent. Since it’s very unlikely the Fed will increase the fed funds rate, average mortgage rates will mostly fall from current levels this week.

Mortgage rates are indirectly tied to the federal funds rate. As the Federal Reserve raises or lowers the fed funds rate, bond yields usually follow higher or lower. Mortgage lenders set the rate they offer based on 10 year bond yields. As bond yields fall, lenders lower their rates and vice versa.

Mortgage rates are just above record lows. Locking in a lower rate before they climb can save you thousands of dollars over the life of your loan. If you haven’t already taken advantage of these near-record low rates, you should consider refinancing. Even if you tried before, refinancing may now be an option since home prices are on the uptick and you may have more equity in your home. 

Core Logic (NYSE: CLGX), reported 548,000 homes regained equity in the second quarter of 2016 compared to the previous quarter. The percentage of homes with positive equity increased to 92.9 percent of all mortgaged properties, or approximately 47.2 million homes.

Unfortunately, there are still 3.6 million homes with a mortgage of negative equity, or 7.1 percent of all mortgage properties. Negative equity is when the mortgage(s) on the property are higher than the home’s value. The number of homes with negative equity is declining sharply.  In the first quarter of 2016, the number of homes with negative equity stood at 4.2 million homes.

The only way to find out if your home has increased enough in value to refinance your loan is to get an appraisal. Before you take on the cost of an appraisal, consider whether or not refinancing makes sense for you. If you can get a refinance rate of at least 1.00 percent lower than your current rate and you plan to stay in your home for 3 years or more, refinancing is likely a good option.

You can see a list of refinance rates from many different lenders by using our mortgage rate tables at MonitorBankRates.com. Unlike most websites, you don’t have to provide any personal information or contact information to see a list of rates.

 
Author: Brian McKay
September 21st, 2016

Average 30 year mortgage rates are now only 8 basis points above the all-time record low of 3.31 set in 2012. 30 year conforming mortgage rates fell this week to 3.39 percent, down from last week’s average 30 year rate of 3.42 percent.

The lowest 30 year refinance rates available in our database are much lower than the average 30 year rate. We have a handful of lenders quoting 30 year refinance rates at 3.00 percent with points and at 3.25 percent with no points.

Mortgage rates today on 15 year conforming loans are averaging 2.67 percent, a decline from last week’s average 15 year mortgage rate of 2.68 percent. Average 15 year mortgage rates are only 4 basis points above the all-time record low of 2.63 percent set in November 2012.

The lowest 15 year refinance rates available on our database are also lower than the average 15 year rate. The lowest 15 year refinance rate with points is at 2.375 percent and the lowest refi rate without points is at 2.625 percent.

30 year jumbo mortgage rates are currently averaging 3.80 percent, down from the previous week’s average 30 year jumbo mortgage rate of 3.84 percent. The best 30 year jumbo refinance rate with points in our database is at 3.125 percent and the lowest rate without points is at 3.50 percent.

Average 15 year jumbo mortgage rates today are at 3.39 percent, down from last week’s average 15 year jumbo rate of 3.43 percent. The best 15 year jumbo refinance rate in our database is lower at 2.75 percent with points and at 2.875 percent without points.

You can search for and compare the lowest mortgage rates in your state by using searching our rate database at MortgageRates.MonitorBankRates.com. Unlike most websites you don’t have to provide any personal information to see a list of mortgage rates.

 
Author: Brian McKay
August 25th, 2016

Applications for mortgage loans increased 7.1 percent in the latest Mortgage Application Survey released by the Mortgage Bankers Association. Loan volume was higher because of lower mortgage rates, driven lower on a weak 2nd quarter GDP report released July 29th.

The advance estimate for 2nd quarter GDP was expected to be 2.4 percent but the actual number came in much lower at 1.2 percent. As a result of the weak report, 10 year bond yields fell. Lenders set fixed long term mortgage rates to long term U.S. Treasury yields, so when yields fall, lenders lower mortgage rates.

The downturn in average mortgage rates was short-lived. A strong July Employment Report released last Friday sent mortgage rates higher this week. Nonfarm payrolls increased by 255,000 in July, much higher than the forecast of 180,000 jobs.

Despite the increase, average 30 year mortgage rates are less than 10 basis points above the all-time record low. 30 year mortgage rates today are currently averaging 3.40 percent, up from the prior week’s average 30 year rate of 3.39 percent. The all-time record low average 30 year rates was 3.31 percent set in the fourth quarter of 2012.

Average 30 year rates are at 3.40 percent but lenders are quoting rates well below the average. Searching our rate tables for Florida, Sebonic Financial (NMLS # 66247) is quoting 30 year refinance rates at 3.125 percent with 1.10 mortgage points. The lowest 30 year rate without points is from AmCap Funding (NMLS # 324589) at 3.375 percent.

Current mortgage rates on 15 year loans are averaging 2.68 percent, up from the previous week’s average 30 year rate of 2.66 percent. The lowest 15 year refi rate without points in our rate database for Florida is also from Sebonic Financial at 2.50 percent with 1.10 points. The lowest 15 year rate without points is from Grow Financial FCU at 2.697 percent.

You can search for and compare mortgage rates from many different lenders in your state by using our rate table. There is no need to provide any personal information or contact information to see a list of rates. Compare rates in your state at MortgageRates.MonitorBankRates.com.

 
Author: Brian McKay
August 10th, 2016

Mortgage rates continue to decline in 2016, hitting another new low for the year. Average 30 year mortgage rates fell to 3.36 percent this week, down from last week’s average 30 year mortgage rate of 3.43 percent. 30 year rates are now only 5 basis points higher than the all-time record low of 3.31 percent set in late 2012.

The latest data forcing mortgage rates lower was the advance 2nd quarter GDP estimate released last Friday. Analyst forecasts for 2nd quarter GDP was 2.4 percent but the actually number came in much lower at 1.2 percent. The news forced 10 year U.S. bond yields back below 1.50 percent. Lenders set mortgage rates based on 10 year bond yields so as bond yields decline, mortgage rates follow suit.

Average and Current Mortgage Rates Available

The lowest 30 year conforming mortgage rates available in our database of rates are at 3.00 percent with 1.10 mortgage points. The lowest 30 year mortgage refinance rates without points are at 3.373 percent.

15 year mortgage rates today are averaging 2.65 percent, a decline from last week’s average 15 year rate of 2.69 percent. The lowest 15 year refinance rates available with points are at 2.25 percent with 1.10 points. The lowest 15 year refi rates without points are just below the average at 2.625 percent.

Today’s 5 year adjustable mortgage rates are averaging 2.87 percent, a decline from last week’s average 5 year adjustable rate of 2.93 percent. The best 5 year adjustable ARMs on our rate list are at 2.50 percent with 1.10 points and at 2.625 percent with zero points.

30 year jumbo mortgage rates on average fell considerably the past week to 3.82 percent. The previous week’s average 30 year jumbo rate was at 4.00 percent. The lowest 30 year jumbo refinance rates in the database are at 2.125 percent with 2 mortgage points. The lowest 30 year jumbo refinance rate without points is still below the average at 3.375 percent.

15 year jumbo mortgage rates are averaging 3.33 percent this week, down from last week’s average 15 year jumbo rate of 3.45 percent. The lowest 15 year jumbo refinance rate in our database is at 2.75 percent with 2 mortgage points and at 2.875 percent with no points.

5 year adjustable jumbo mortgage rates are averaging 2.89 percent, down from last week’s average rate of 3.07 percent. The lowest 5 year jumbo adjustable refinance rates are much lower at 2.00 percent with 2 points. The lowest 5 year jumbo refi rate without points is at 2.625 percent.

 
Author: Brian McKay
August 2nd, 2016