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
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
200000
Refinance
4.481
4.375
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,273
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Triangle Lending Group, Inc.
Triangle Lending Group, Inc.
https://www.brimg.net/system/img/inst/4085_logo.gif
200000
Refinance
4.325
4.250
USD
Triangle Lending Group, Inc. Logo
NMLS # 64446
State Lic # MLO-8196VA
(877) 692-6406
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,575
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
200000
Refinance
4.423
4.375
USD
Home Loans Today Logo
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $925
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.539
4.500
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
200000
Refinance
4.658
4.500
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 643-6301
at 1.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,662
 
 
30 yr fixed Mortgage Loan from e-Lend
e-Lend
https://www.brimg.net/system/img/inst/7076_logo.gif
200000
Refinance
4.500
4.375
USD
e-Lend Logo
NMLS # 2826
State Lic # MC-3282
(877) 216-3482
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $918
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.463
4.375
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,862
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Home Point Financial
Home Point Financial
https://www.brimg.net/system/img/inst/9463_logo.gif
200000
Refinance
4.413
4.375
USD
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.442 pts
30 day lock rate
Est payment: $998.57
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
200000
Refinance
4.349
4.210
USD
at 0.100 pts
30 day lock rate
Est payment: $979.20
Fees in APR: $3,082
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Federated Mortgage Corp
Federated Mortgage Corp
https://www.brimg.net/system/img/inst/7659_logo.gif
200000
Refinance
4.334
4.250
USD
Federated Mortgage Corp Logo
NMLS # 101475
State Lic # MC-6729
(877) 553-3530
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,786
 
 
30 yr fixed Mortgage Loan from GSF Mortgage Corporation
GSF Mortgage Corporation
https://www.brimg.net/system/img/inst/6591_logo.gif
200000
Refinance
4.374
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $2,713
 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.602
4.500
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
(877) 872-6895
at 0.100 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $2,181
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.362
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $982.71
Fees in APR: $2,680
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
200000
Refinance
4.203
4.125
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,648
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
200000
Refinance
4.795
4.675
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.100 pts
45 day lock rate
Est payment: $1,034.27
Fees in APR: $2,546
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.541
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,874
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.586
4.500
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.100 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,809
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Box Home Loans
Box Home Loans
https://www.brimg.net/system/img/inst/10082_logo.gif
200000
Refinance
4.341
4.250
USD
Box Home Loans Logo
NMLS # 1359687
State Lic # MC-6624
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,956
Thank You! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.361
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $2,411
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
200000
Refinance
4.257
4.125
USD
at 0.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $2,937
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
200000
Refinance
4.510
4.500
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC-1532
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $1,013.37
Fees in APR: $245
 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.775
4.750
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
(877) 872-6895
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $569
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
200000
Refinance
4.625
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 643-6301
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Best Rate USA
Best Rate USA
https://www.brimg.net/system/img/inst/2898_logo.gif
200000
Refinance
4.417
4.375
USD
Best Rate USA Logo
NMLS # 134407
State Lic # MC-5378
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $995
The direct lender to call for great rates and superior service. 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.625
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.676
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $1,173
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from e-Lend
e-Lend
https://www.brimg.net/system/img/inst/7076_logo.gif
200000
Refinance
4.625
4.625
USD
e-Lend Logo
NMLS # 2826
State Lic # MC-3282
(877) 216-3482
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Commonwealth Mortgage, LLC
Commonwealth Mortgage, LLC
https://www.brimg.net/system/img/inst/5071_logo.gif
200000
Refinance
4.490
4.490
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 330-6018
at 0.000 pts
30 day lock rate
Est payment: $1,012.18
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Box Home Loans
Box Home Loans
https://www.brimg.net/system/img/inst/10082_logo.gif
200000
Refinance
4.500
4.500
USD
Box Home Loans Logo
NMLS # 1359687
State Lic # MC-6624
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
Thank You! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.625
4.625
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
200000
Refinance
4.375
4.375
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
200000
Refinance
4.935
4.900
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.000 pts
45 day lock rate
Est payment: $1,061.45
Fees in APR: $807
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.500
4.500
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
200000
Refinance
4.644
4.625
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $440
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
200000
Refinance
4.506
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $152
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.510
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $235
 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
200000
Refinance
4.664
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,028.28
Fees in APR: $895
 
 
30 yr fixed Mortgage Loan from KS StateBank
KS StateBank
https://www.brimg.net/system/img/inst/10346_logo.gif
200000
Refinance
4.534
4.500
USD
KS StateBank Logo
NMLS # 410602
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $795
 
 
30 yr fixed Mortgage Loan from GSF Mortgage Corporation
GSF Mortgage Corporation
https://www.brimg.net/system/img/inst/6591_logo.gif
200000
Refinance
4.500
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from BNC National Bank
BNC National Bank
https://www.brimg.net/system/img/inst/7067_logo.gif
200000
Refinance
4.547
4.500
USD
BNC National Bank Logo
NMLS # 418467
(877) 344-8053
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,095
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
200000
Refinance
5.038
5.000
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $1,073.64
Fees in APR: $865
 
 
30 yr fixed Mortgage Loan from Triangle Lending Group, Inc.
Triangle Lending Group, Inc.
https://www.brimg.net/system/img/inst/4085_logo.gif
200000
Refinance
4.387
4.375
USD
Triangle Lending Group, Inc. Logo
NMLS # 64446
State Lic # MLO-8196VA
(877) 692-6406
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $275
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Federated Mortgage Corp
Federated Mortgage Corp
https://www.brimg.net/system/img/inst/7659_logo.gif
200000
Refinance
4.409
4.375
USD
Federated Mortgage Corp Logo
NMLS # 101475
State Lic # MC-6729
(877) 553-3530
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $792
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
200000
Refinance
4.638
4.625
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $1,028.28
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.506
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,012.18
Fees in APR: $368
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
200000
Refinance
4.947
4.875
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 693-8156
at 0.000 pts
60 day lock rate
Est payment: $1,058.42
Fees in APR: $1,650
 
 
30 yr fixed Mortgage Loan from Home Point Financial
Home Point Financial
https://www.brimg.net/system/img/inst/9463_logo.gif
200000
Refinance
4.625
4.625
USD
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
200000
Refinance
4.750
4.750
USD
Aurora Financial Logo
NMLS # 35959
State Lic # MC-2967
(877) 385-9793
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
200000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
200000
Refinance
4.493
4.490
USD
Home Loans Today Logo
at 0.000 pts
30 day lock rate
Est payment: $1,012.18
Fees in APR: $79
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
200000
Refinance
4.279
4.124
USD
Home Loans Today Logo
at 1.100 pts
30 day lock rate
Est payment: $969.18
Fees in APR: $1,467
 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.430
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 2.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $3,110
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
200000
Refinance
4.133
4.000
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 1.100 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $984
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.448
4.250
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $2,425
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Box Home Loans
Box Home Loans
https://www.brimg.net/system/img/inst/10082_logo.gif
200000
Refinance
4.288
4.125
USD
Box Home Loans Logo
NMLS # 1359687
State Lic # MC-6624
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,646
Thank You! 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
200000
Refinance
4.157
3.950
USD
at 1.100 pts
30 day lock rate
Est payment: $949.07
Fees in APR: $2,727
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.387
4.250
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,012
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.401
4.250
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from GSF Mortgage Corporation
GSF Mortgage Corporation
https://www.brimg.net/system/img/inst/6591_logo.gif
200000
Refinance
4.289
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,684
 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
200000
Refinance
4.708
4.500
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 1.100 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $2,599
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.289
4.125
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,669
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
200000
Refinance
4.278
4.085
USD
at 1.100 pts
30 day lock rate
Est payment: $964.66
Fees in APR: $2,369
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.291
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $968.14
Fees in APR: $1,968
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
200000
Refinance
4.546
4.500
USD
LincolnWay Community Bank
4.546%
4/17/2018
4.500%
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
200000
Refinance
4.672
4.625
USD
Northwest Federal Credit Union
4.672%
4/19/2018
4.625%
at 0.500 pts
45 day lock rate
Est payment: $1,028.28
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
200000
Refinance
4.683
4.625
USD
Apple Federal Credit Union
4.683%
4/19/2018
4.625%
at 0.500 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
200000
Refinance
4.577
4.500
USD
Bank of Oak Ridge
4.577%
4/19/2018
4.500%
at 0.470 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from The Fidelity Bank
The Fidelity Bank
200000
Refinance
4.787
4.750
USD
The Fidelity Bank
4.787%
4/20/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $863
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
200000
Refinance
4.571
4.500
USD
Virginia Credit Union
4.571%
4/17/2018
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
200000
Refinance
4.586
4.500
USD
State Department Federal Credit Union
4.586%
4/23/2018
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
200000
Refinance
4.806
4.750
USD
Raymond James Bank, NA
4.806%
4/17/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,043.29
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Charles Town
Bank of Charles Town
200000
Refinance
4.536
4.500
USD
Bank of Charles Town
4.536%
4/23/2018
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
200000
Refinance
4.701
4.625
USD
Fulton Bank, NA
4.701%
4/17/2018
4.625%
at 0.375 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
200000
Refinance
4.625
4.500
USD
Bank of America
4.625%
4/18/2018
4.500%
at 0.806 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
200000
Refinance
4.542
4.500
USD
TD Bank, NA
4.542%
4/20/2018
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
200000
Refinance
4.837
4.750
USD
Santander Bank, N.A.
4.837%
4/24/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,043.29
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Langley FCU
Langley FCU
200000
Refinance
4.842
4.625
USD
Langley FCU
4.842%
4/20/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $4,950
 
 

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 mortgage rates moved slightly higher, following U.S. Treasury Yields higher. Average 30 year mortgage rates today increased to 4.34 percent, up from last week’s average 30 year rate of 4.29 percent. The six basis point increase continues the uptrend for mortgage rates this past month.

Average Mortgage RatesAlthough mortgage rates are moving higher, the increases in rates hasn’t warranted all the hubbub about rates increasing. In fact, mortgage rates are not much higher than they were a year ago.

On March 6th, 2017, the average 30 year mortgage rate was 4.21 percent, only 13 basis points below the current level. Going back to August 2016, average 30 year rates were at 3.44 percent, only 90 basis points below the current level.

The all-time low for 30 year average mortgage rates was at 3.35 percent in December 2012. Today’s average mortgage rate is only 99 basis points above the all-time low set over five years ago.

For years now, we have heard mortgage rates are moving higher and will continue to move higher. While that is technically true, the increases have been a lot lower than even the experts anticipated.

Forecasts for Average Mortgage Rates Have Been Wrong

A year ago, The Mortgage Bankers Association forecast 30 year rates to be at 4.80 percent by the 1st quarter of 2018, 46 basis points higher than the current rate. In the same forecast, the MBA had 30 year rates to be at 5.20 percent by the end of 2018.

In the most recent MBA forecast released last month, the 1st quarter 2018 forecast for average 30 year rates is at 4.4 percent. By the 4th quarter, the MBA forecasts average 30 year rates to be at 4.90 percent. When you compare the reports you can see the MBA has been lowering their forecasts.

The MBA has been lowering their forecasts for several years now. Looking back at a report from March 2014, 30 year rates were forecast to hit 5.00 percent by the end of 2014. As you know, we still haven’t seen 5.00 percent rates on 30 year loans. You can see a list of mortgage rate forecasts going back to 2014 on the MBA’s website: Mortgage Finance Forecasts.

To be fair to the MBA, the Federal Reserve’s own economic forecasts have been wrong. The Fed’s own economic forecasts have been too high and have subsequently been lowered. You can see a list of the Fed’s forecasts by looking back at the FOMC Meeting Calendar.

 
Author: Brian McKay
March 7th, 2018

Current mortgage rates are higher this week because of a stronger than expected CPI report. 30 year mortgage rates hit a new high for 2018 at 4.38 percent, matching a high set in March 2017. The Consumer Price Index Report, released last week, came in stronger than expected at 2.1 percent year-over-year in January.

Forecasts were for a year-over-year increase of 1.9 percent. Inflation running at 2.1 percent is slightly higher than the Federal Reserve’s target of 2.00 percent. An inflation rate higher than the Fed’s target rate reinforces expectations that the Fed will continue tightening monetary policy.

Tightening monetary policy is the Fed increasing the fed funds rate, which increases Treasury yields and mortgage rates. The Fed is expected to increase rates in March and at least once more in 2018. If inflation continues to run higher than the Fed’s target, it will mean even more rate hikes.

Current Mortgage Rates

Current Mortgage Rates are Higher This WeekCurrent mortgage rates on 30 year loans are at 4.39 percent and could likely increase to 4.50 percent by the end of March. By the end of 2018, 30 year rates could possibly head towards 5.00 percent if the Fed raises rates much more. Last September, 30 year rates were around 3.75 percent.

Today’s mortgage rates on 15 year loans are averaging 3.75 percent, an increase from the prior week’s average 15 year mortgage rate of 3.68 percent. By the end of next month, 15 year mortgage rates could hit 4.00 percent. Looking towards the end of 2018, 15 year rates could move towards 4.25 percent or even higher.

Mortgage rates today on 30 year jumbo loans are averaging 4.63 percent, an increase from last week’s average 30 year jumbo rate of 4.55 percent. 30 year jumbo rates will likely move towards 4.85 percent by the end of next month. 30 year rates could move above 5.00 percent by the end of 2018.

Average 15 year jumbo mortgage rates are at 4.55 percent, up from the previous week’s average of 4.48 percent. At the end of March, we could see 15 year jumbo rates around 4.75 percent and around 5.00 percent by the end of 2018.

Make no mistake, mortgage rates have been heading higher and will continue to do so in 2018. If you’re thinking refinancing a loan, do it before refinance rates move higher. If you’re buying a home, lock in a lower rate now before rates move higher.

 
Author: Brian McKay
February 21st, 2018

Ally Bank which is probably best known for their competitive CD rates has also become a mortgage lender. Ally Bank mortgage rates are competitive right now and Ally also offers a price match guarantee. Current Ally Bank mortgages are available for both home purchases and refinances and the rates are competitive for both type of products. Current mortgage rates on Ally Bank’s 30 year mortgage for a home purchase or a refinance are at 3.875 percent.

Ally Bank Mortgage RatesAlly Bank’s website has a wealth of information on the process of applying for a home loan, such as the benefits of refinancing, calculators, and other information. The price match guarantee has some minor details. If you find a better mortgage rate, you have to send Ally the other lender’s loan estimate. Ally will match the other lender’s mortgage rate and points as long as it’s for the same loan term. You also have to make sure the loan estimate is dated within the past 5 business days.

Current Ally Bank Mortgage Rates

  • 30 Year Fixed – 3.75% – 1.01 Points
  • 25 Year Fixed – 3.75% – 1.14 Points
  • 20 Year Fixed – 3.50% – 1.05 Points
  • 15 Year Fixed – 3.125% – 1.00 Point
  • 10 Year Fixed – 3.125% – 1.14 Points
  • 10/1 Adjustable – 3.50% 0.87 Points
  • 7/1 Adjustable – 3.25% 0.73 Points
  • 5/1 Adjustable – 3.125% 0.80 Points

There are many different rate/point combinations, too many to list here but you can go to Ally’s website and see all of their rates. When you check rates on their website, you can also see how Ally’s rates compare with some of the biggest bank’s mortgage rates. You will see Ally’s rates compared with Bank of America, Wells Fargo and Chase Bank.

When you apply for a mortgage, a good first step is to prequalify for a home loan. You can do this online at Ally’s website or by calling an Ally Home Loan Advisor at 1-855-256-2559.

 
Author: Brian McKay
October 5th, 2017

Mortgage rates just hit a new low for 2017 on the heels of lower bond yields. Average 30 year mortgage rates are lower this week to 3.69 percent, down from last week’s average rate of 3.75 percent. 10 year bond yields fell to 2.13 percent, putting downward pressure on mortgage rates.

For a little perspective on how low rates are right now, the all-time low for average 30 year rates is 3.30 percent, set back in 2012. Forecasts for higher mortgage rates in 2017 were wrong. At the beginning of the year, forecasts were for 30 year rates to move towards 5.00 percent.

Why are mortgage rates moving lower despite GDP growth and employment growth being strong? In short, low inflation. Despite the unemployment rate falling to 4.3 percent in July and 2nd quarter GDP growth coming in at a strong 2.6 percent rate, inflation isn’t a concern.

Low inflation will keep the Federal Open Market Committee from raising interest rates. The Labor Department said July’s Consumer Price Index rose only 0.1 percent in July. Over the past 12 months, CPI rose 1.7 percent, below the FOMC’s target of 2.00 percent.

Where are Mortgage Rates Headed in 2017?

A lot will depend on whether or not the Fed increases the fed funds rate. The Fed has telegraphed three fed funds rate increases this year and has raised the rate twice already. This leaves one more rate increase in 2017. The Fed has three more meetings scheduled this year and the chances of that third rate increase happening are diminishing.

There is a slim chance of a rate hike during the next two Fed meetings, according to the CME Group’s FedWatch Tool. The likelihood of a rate increase during the September meeting is at 2.7 percent. The chance of a rate hike during the October meeting is lower, at 1.09 percent.

There is a higher chance of a rate hike during the December meeting but even that chance is diminishing. Last month the FedWatch Tool had a 42.8 percent chance of a rate hike in December, that has been lowered to 31.2 percent as of today.

It’s unlikely mortgage rates will move higher in 2017, especially if the Fed doesn’t raise rates any more this year. Long term bond yields are also falling because it’s unlikely the Fed will increase rates. These factors will put downward pressure on mortgage rates.

For the rest of 2017, average 30 year mortgage rates will remain under 4.00 percent and possibly under 3.75 percent. Average 15 year mortgage rates currently at 2.96 percent and will likely remain near the 3.00 percent level.

 
Author: Brian McKay
September 7th, 2017

Mortgage rates continue to move lower, defying predictions of higher mortgage rates in 2017. In fact, mortgage rates today just hit a new low for 2017 and are only about 50 basis points above an all-time low set in 2013. Conforming 30 year mortgage rates hit a low of 3.76 percent today, down from last week’s average of 3.81 percent.

The latest catalyst driving mortgage rates lower was a weak May jobs report showing job creation of only 138,000 jobs, less than the expected number of 185,000. This news sent bond yields lower and in turn sent average mortgage rates lower.

10 year bond yields are lower again this morning falling 5 basis points. This decline will put additional downward pressure on mortgage rates. 30 year rates will possibly fall below 3.70 percent by tomorrow or Wednesday.

15 year mortgage rates are also down 5 basis points over last week’s average rate. The current average 15 year mortgage rate is at 3.00 percent, a decline from the prior week’s average mortgage rates of 3.05 percent. We will see 15 year rates fall below 3.00 percent over the next couple of days.

The all-time record average low for 15 year rates was 2.56 percent set in May 2013. While we won’t see average 15 year rates fall that low again unless there is a recession, rates will decline in the coming weeks.

Average 5 year adjustable mortgage rates are also lower today, falling to 3.15 percent, down from an average rate of 3.21 percent last week. The all-time record average low rate for 5 year adjustable mortgages was also 2.56 percent set in May 2013.

The rates above are average rates, you can find lenders quoting rates below the average with and without mortgage points. You can search for lenders offering mortgages in your state by searching our rate lists at mortgage rates and you don’t have to provide any personal information to view a list of rates.

 
Author: Brian McKay
June 6th, 2017