Average 30 Year Mortgage Rates Today at 3.45%, Lowest 30 Year Refinance Rates at 3.00%

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Average mortgage rates are lower today following U.S. Treasury yields lower the past few days. 30 year conventional mortgage rates are averaging 3.45 percent, a decline from last week's average 30 year mortgage rate of 3.50 percent. 30 year mortgage interest rates are just above all-time record lows of 3.37 percent set in October.

If you're searching for 30 year mortgage refinance rates on conforming loans there are many lenders advertising 30 year rates below the averages. Currently, on our 30 year refinance rates table for the state of Pennsylvania, Amerisave is advertising 30 year rates at 3.00 percent with 1.371 mortgage points. Without points we have America Lending offering 30 year refinancing rates as low as 3.125 percent.



Mortgage rates today on 15 year conforming loans are averaging 2.84 percent, a decline from last week's average 15 year mortgage rate of 2.88 percent. On our rate tables across the United States we have lenders offering 15 year mortgage refinance rates well below the average of 2.84 percent.

On our Texas refinance rates list for 15 year conforming loans we have Texaslending.com offering 15 year refi rates as low as 2.375 percent with no points. We also have Amerisave, Roundpoint Mortgage and Residential Finance Corporation all offering 15 year rates at 2.375 percent with different point combinations. 

15 year mortgage rates can also be found as low as 2.375 percent on our rate table for Florida. Both Amerisave and Roundpoint Mortgage are offering 15 year rates at 2.375 percent with points. Also on our rate table for Florida LenderFi is offering 15 year refi rates at 2.50 percent with zero points.

Current mortgage rates on 30 year jumbo mortgage loans are averaging 4.03 percent, a slight decline from last week's average 30 year jumbo mortgage rate of 4.04 percent. Currently, on our 30 year jumbo refinance rates table for the state of New Jersey we Investors Home Mortgage offering 30 year jumbo refi rates at 3.625 percent with zero points, Citi Mortgage is offering 30 year jumbo rates at 4.125 percent with zero points and Mortgage Capital Associates is offering 30 year jumbo rates at 4.25 percent with zero points.

Mortgage rates today on 15 year jumbo mortgages are averaging 3.41 percent, a decline from last week's average 15 year jumbo mortgage rate of 3.45 percent. Right now on our California refinance rates list for 15 year jumbo loans we have many lenders offering rates below the average.  The best refinance rate is from Citi at 3.00 percent with no points.

Average 5 year conforming adjustable mortgage rates are at 2.92 percent, a decline from last week's average 5 year adjustable mortgage rate of 2.99 percent. Right now on our 5 year adjustable refinance rates list for the state of Georgia we have Roundpoint Mortgage offering 5 year rates at 1.875 percent with 2 mortgage points and Amerisave offering 5 year rates at 1.875 percent with 1.734 points.

Today's mortgage rates on 5 year jumbo adjustable loans are averaging 2.97 percent, an increase from last week's average 5 year jumbo rates of 2.94 percent. Currently on our 5 year jumbo refinance rates list for the state of New York we have Astoria Federal Savings and Loan offering 5 year jumbo rates at 2.50 percent with no points.
 
Author: Lisa Graham
November 2nd, 2012