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Average Mortgage Rates and Refinance Rates Monday March 14: 30 Year Rates at 4.81%, 15 Year Rates at 4.14%

Mortgage rates and refinance rates headed higher this week over last. Today's 30 year conforming mortgage rates and refinance rates are averaging 4.81 percent, down from last week’s average 30 year mortgage rate and refinance rate of 4.85 percent. 30 year mortgage rates and refinance rates in California are higher than the national average rate. Today's California 30 year rates are averaging 4.92 percent.

You can find rates lower than the national average rates. Right now on our rate tables in California, is offering 30 year rates at 4.75 percent with 1 mortgage discount point. First National Bank is also offering 30 year rates below the average 30 year California rate. First National Bank is offering 30 year rates at 4.375 percent with 2 mortgage discount points.

15 year mortgages rates and refinance mortgage rates are averaging 4.14 percent, down from last week when 15 year mortgage rates and refinance rates averaged 4.26 percent. 15 year mortgage and refinance rates in Kentucky are slightly higher than the national average interest rate.  15 year refinancing rates and mortgage rates in Kentucky are averaging 4.15 percent.

30 year jumbo rates are averaging 5.35 percent, down from last week’s average jumbo rate of 5.51 percent. 30 year jumbo loan rates and jumbo refi rates in Texas are higher than the national average jumbo rate. Current 30 year jumbo rates in Texas are averaging 5.65 percent.

15 year jumbo rates are averaging 4.88 percent, up from the prior week’s average jumbo mortgage loan rate of 4.73 percent. 15 year jumbo rates in New Jersey are lower than the national average. Today's 15 year New Jersey jumbo rates are averaging 4.59 percent.

Mortgage Rates & Mortgage Refinance Rates

Conforming Adjustable Mortgage Rates Today and Conforming Adjustable Refinancing Rates

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 3.13 percent, up from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 2.96 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.37 percent, down from last week’s average 3 year adjustable mortgage rate of 3.47 percent.

Current refinance rates and mortgage rates on 5 year adjustable mortgages are averaging 3.24 percent, down from the prior week’s average rate of 3.43 percent.

Today's refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 3.71 percent, down from the previous week’s average 7 year loan rate of 3.93 percent.

10 year adjustable mortgage loan rates are averaging 4.22 percent this week, down from last week’s average 10 year adjustable rate of 4.46 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.22 percent.

Adjustable Jumbo Refinance Rates Today and Jumbo Loan Rates

Today 1 year jumbo adjustable loan rates are averaging 3.50 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan rate. Refinance rates on 1 year jumbo loans are also averaging 3.50 percent.

3 year adjustable jumbo rates are averaging 4.52 percent, down from last week’s average 3 year jumbo adjustable rate of 4.60 percent. Current refinance interest rates on 3 year jumbo loans are also lower, averaging 4.52 percent.

5 year adjustable jumbo interest rates today are averaging 3.92 percent, an increase from last week’s average jumbo adjustable rate of 3.81 percent. Today’s refinancing mortgage interest rates are also averaging 3.92 percent.

7 year jumbo adjustable loan rates are averaging 4.58 percent, unchanged from last week’s average 7 year adjustable home loan rate. 7 year jumbo refinance loan rates are also unchanged at 4.58 percent.

10 year jumbo loan rates are averaging 5.28 percent, down from the prior week’s average 10 year jumbo home loan rate of 5.39 percent. 10 year jumbo refinance interest rates are also lower, averaging 5.28 percent.

Conforming Interest Only Adjustable Mortgage Rates Today and Adjustable Interest Only Refinancing Rates

3 year interest only adjustable mortgage loan rates are averaging 3.51 percent, down from last week’s average interest only mortgage loan rate of 3.62 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.51 percent.

5 year interest only adjustable loan rates are averaging 3.48 percent, down from last week’s average five year interest only mortgage loan rate of 3.63 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.48 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.95 percent, down from last week’s average 7 year interest-only mortgage rate of 4.11 percent. 7 year adjustable refi loan rates are averaging 3.95 percent.

Interest Only Jumbo Mortgage Refi Rates Current and Interest Only Jumbo Mortgage Loan Rates

3 year jumbo interest only adjustable loan rates are averaging 4.78 percent, down from last week’s average jumbo adjustable interest only rate of 4.90 percent. 3 year interest only adjustable jumbo refi rates are also averaging 4.78 percent.

5 year adjustable jumbo interest only rates are averaging 4.31 percent, up from last week’s average IO home mortgage interest rate of 4.28 percent. 5 year jumbo adjustable IO loan rates are also averaging 4.31 percent.

7 year jumbo interest only adjustable rates are averaging 4.90 percent, up from last week’s average jumbo 7 year home loan rate of 4.78 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.90  percent.

Home Equity Loan Rates Today

10 year home equity loan rates are averaging 6.70 percent, up from last week’s average home equity loan rate of 6.67 percent.

15 year home equity rates are averaging 7.02 percent, up from the prior week’s average home equity loan rate of 6.96 percent.

Current Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.13 percent, unchanged from last week’s average rate HELOC rate.
Author: Brian McKay
March 14th, 2011