Best Mortgage Rates Today December 2018 | MonitorBankRates

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 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.328
4.250
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,452
 
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.236
4.125
USD
Agora Lending Logo
NMLS # 1121650
State Lic # 6054815
(877) 387 - 3530
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,637
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.274
4.250
USD
Home Loans Today Logo
NMLS # 152859
State Lic # 152859
(877) 387 - 9852
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $561
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.618
4.500
USD
Ally Bank Logo
NMLS # 181005
(877) 223 - 8087
at 0.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,804
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.657
4.500
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # 60DBO53278
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,457
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.565
4.375
USD
E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 387 - 3899
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,610
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.309
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,538
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.342
4.250
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $2,970
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.532
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,499
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.698
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,241
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.311
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,234
Thank you for your inquiry, we will be in touch shortly. 
 
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
300000
Refinance
4.436
4.250
USD
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,548
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.320
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
(844) 365 - 0703
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,195
 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.750
4.750
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # 60DBO53278
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.625
4.625
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 4131109
(877) 388 - 2695
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
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
300000
Refinance
4.413
4.375
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,354
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.786
4.750
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,229
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.389
4.375
USD
Agora Lending Logo
NMLS # 1121650
State Lic # 6054815
(877) 387 - 3530
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $505
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.772
4.750
USD
Ally Bank Logo
NMLS # 181005
(877) 223 - 8087
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $759
Thanks for the inquiry! 
 
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
300000
Refinance
4.394
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $675
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.500
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
(844) 365 - 0703
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.460
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.308
4.250
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # 6052748
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,077
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.500
4.500
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.625
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.678
4.625
USD
E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 387 - 3899
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,825
 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
LoanLock Logo
NMLS # 237507
State Lic # 603J071
(877) 387 - 2804
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from NationsChoice Mortgage
NationsChoice Mortgage
https://www.brimg.net/system/img/inst/8111_logo.gif
300000
Refinance
4.264
4.250
USD
NationsChoice Mortgage Logo
NMLS # 164626
State Lic # 4130556
(877) 388 - 3956
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $495
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.392
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $956
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.375
4.375
USD
Home Loans Today Logo
NMLS # 152859
State Lic # 152859
(877) 387 - 9852
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
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
300000
Refinance
9.464
9.125
USD
Home Loans Today Logo
NMLS # 152859
State Lic # 152859
(877) 387 - 9852
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $5,511
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.502
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $6,463
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.517
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,676
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.650
4.250
USD
E-Click Lending Logo
NMLS # 227765
State Lic # CA-DOC#413 1112
(877) 387 - 3899
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $7,785
 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.575
4.250
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # 60DBO53278
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $5,286
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.196
4.000
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,691
 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.491
9.125
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,177
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.178
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $3,410
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.193
4.000
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
(844) 365 - 0703
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,563
 
 
30 yr fixed mtg refi Mortgage Loan from Star One Credit Union
Star One Credit Union
300000
Refinance
4.503
4.500
USD
Star One Credit Union
4.503%
12/17/2018
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $105
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.805
4.750
USD
Union Bank
4.805%
12/12/2018
4.750%
at 0.375 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
4.931
4.875
USD
San Diego County Credit Union
4.931%
12/12/2018
4.875%
at 0.500 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
12/11/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
5.034
5.000
USD
Bank of the West
5.034%
12/12/2018
5.000%
at 0.125 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank
4.656%
12/18/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
4.662
4.625
USD
First Tech Credit Union
4.662%
12/12/2018
4.625%
at 0.125 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $898
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
4.779
4.750
USD
Schools First FCU
4.779%
12/17/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $995
 
 

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.



Mortgage Rates Today Lower Ahead of Fed MeetingMortgage rates today moved lower again ahead of the 2-day Fed meeting. In fact, average mortgage rates hit another new low for the month of December 2018. Mortgage rates are moving lower this month because of equity market declines. Investors are fleeing stocks into the safety of U.S. Treasuries, forcing yields lower, which in-turn are forcing mortgage rates lower. Current 30 year conforming mortgage rates are averaging 4.54 percent today, down from yesterday’s average 30 year mortgage rate of 4.57 percent. Today’s 15 year conforming mortgage rates are averaging 3.86 percent, a decline from yesterday’s average 15 year rate of 3.89 percent. To get the best rate for a home loan search for and compare mortgage rates today.

 
Author: Brian McKay
December 18th, 2018

New Jersey (NJ) Jumbo Mortgage Rates Today 30 year jumbo mortgage rates today in New Jersey are as low as 3.875 percent with 2 mortgage points. The current lowest 30 year jumbo rate today in NJ increases to 4.00 percent if you don’t want to pay points. The lowest 15 year jumbo mortgage rates today in NJ are at 3.625 percent with 1.10 points and the lowest rate without points is also at 4.00 percent. Search for and compare New Jersey jumbo mortgage rates today to get the best rate on a home loan.

 
Author: Brian McKay
December 17th, 2018

Mortgage Rates Nosedive to New LowMortgage rates nosedived to new lows in December as lenders lowered rates again. Current average 30 year conforming mortgage rates declined to 4.57 percent, down from the average 30 year mortgage rate of 4.69 percent. 15 year conforming mortgage rates today moved down to 3.92 percent, a decline from an average 15 year rate of 4.02 percent. Today’s 30 year jumbo mortgage rates are still below conforming rates at 4.52 percent, down from 4.65 percent. Current 15 year jumbo mortgage rates are at 4.28 percent, down from yesterday’s rate of 4.39 percent. Mortgage rates change constantly so be sure to always get the most current mortgage rates below locking in a rate.

 
Author: Brian McKay
December 15th, 2018

Best Mortgage Rates in December 2018The best mortgage rates in December 2018 just keep getting better as mortgage rates decline. The best mortgage rates at the beginning of December for 30 year conforming loans were around 4.80 percent. By the end of the 1st week in December, the best mortgage rates declined to around the 4.63 percent range. Right now the best mortgage rate is even lower at 4.55 percent. Mortgage rates in December declined because bond yields were moving lower all month long. We don’t expect current mortgage rates will move much lower this month so you should lock in a rate today. You can compare current December mortgage rates to get the lowest possible rate.

 
Author: Brian McKay
December 14th, 2018

Mortgage Rates Today in MarylandYou can find low mortgage rates today in Maryland if you’re willing to do some research to get the lowest mortgage rates. Currently, on the rate table below, 30 year conventional Maryland mortgage rates are at 4.115 percent with 1.1o mortgage points. Today’s 15 year conforming Maryland mortgage rates are at 3.24 percent with 1.10 mortgage points. Compare current mortgage rates in Maryland below and get the lowest rate for a home purchase or refinance.

 
Author: Brian McKay
December 14th, 2018

CBI Bank & Trust Mortgage Rates TodayCBI Bank & Trust mortgage rates today are very good right now and best of all you can get a good mortgage rate with no points. Current mortgage rates at CBI Bank & Trust for 30 year conventional loans are at 4.50 percent with no points and only $500 in fees. Today’s mortgage rates from CBI Bank & Trust for 15 year conventional loans are also low at 3.875 percent with no points and $500 in fees. See how CBI Bank & Trust mortgage rates compare with other current mortgage rates to get the lowest rate.

 
Author: Brian McKay
December 13th, 2018

Mortgage Rates in New York - NY Home Loans TodayYou can find low mortgage rates today in New York if you do some research online to get the best mortgage rates. New York mortgage rates today on 30 year conforming loans can be found as low as 4.375 percent with .10 mortgage points. On 15 year conforming loans, the lowest New York mortgage rates today are even lower at 3.375 percent with .10 points. Compare mortgage rates today in NY to get the best rate on a home loan.

 
Author: Brian McKay
December 10th, 2018

Today's PNC Bank Mortgage RatesToday’s PNC Bank mortgage rates are very competitive and are some of the best mortgage rates available today. Current 30 year conforming mortgage rates at PNC Bank are at 4.50 percent with no mortgage points or fees. Today’s 15 year mortgage rates at PNC Bank are at 4.25 percent with no points or fees. See how PNC Bank mortgage rates compare with other lenders rates today to get the lowest rate on a loan.

 
Author: Brian McKay
December 7th, 2018

First Mortgage Direct Current Mortgage RatesFirst Mortgage Direct current mortgage rates for loans in California are very competitive right now. Current 30 year conforming mortgage rates are at 4.50 percent with 1 mortgage point. The fees on this mortgage loan quote are only $1,346. 15 year current mortgage rates from First Mortgage Direct are at 4.125 percent with no points. Compare First Mortgage Direct current mortgage rates with other lender’s rates right here.

 
Author: Brian McKay
December 3rd, 2018

Republic Bank Mortgage Rates TodayRepublic Bank mortgage rates today are some of the best mortgage rates currently available. 30 year mortgage rates today from Republic Bank are at 4.75 percent. 15 year conforming mortgage rates today at Republic Bank are currently 4.375 percent. See how Republic Bank mortgage rates today compared with other lender’s rates below.

 
Author: Brian McKay
December 1st, 2018