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Fixed Term Mortgage Rates Mostly Higher This Week: 30 Year Mortgage Rates and Refinance Rates Today Averaging 4.80%

Fixed term mortgage rates and refinance rates are mostly higher this week with the exception of 15 year conforming mortgage rates and refinance rates.  Today's 30 year conforming mortgage rates and refinance rates are averaging 4.80 percent, an increase from last week’s average 30 year home loan rates and refinance rate of 4.77 percent. 30 year mortgage rates and mortgage refinance rates in California are higher than the national average 30 year rate. 30 year interest rates today in CA are averaging 4.93 percent.

15 year mortgages rates and refinancing mortgage rates are currently averaging 4.08 percent, down from last week when 15 year mortgage loan rates and refinance loan rates averaged 4.16 percent. 15 year loan rates and refinance loan rates today in Oregon are higher than the national average 15 year rate. Current 15 year refinancing rates and rates in Oregon are at 4.16 percent.



30 year jumbo refinance mortgage rates and 30 year jumbo mortgage rates currently are averaging 5.44 percent, up from last week’s average jumbo rate and jumbo refi rate of 5.27 percent. 30 year home loan rates and refi rates in Texas are higher than the national average jumbo rate. Current 30 year jumbo interest rates in Texas are averaging 5.60 percent.

15 year jumbo rates and jumbo refinance rates are averaging 4.69 percent, an increase from the prior week’s average jumbo mortgage loan rate of 4.60 percent. 15 year jumbo rates and mortgage refinance rates in Washington are also averaging 4.69 percent. Use our Washington mortgage rates widget to track mortgage rates.

Mortgage Rates and Refinancing Rates Today


Conforming Adjustable Rates Today and Conforming Adjustable Refinancing Rates Today


The current refinancing rate and mortgage loan rate on 1 year adjustable rates are averaging 3.06 percent, unchanged from last week’s average 1 year adjustable home mortgage refi rate and loan rate.

3 year adjustable current mortgage refinancing rate rates and adjustable loan rates are averaging 3.41 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.38 percent.

Current refinance rates and interest rates on 5 year adjustable mortgages are averaging 3.24 percent, down from the prior week’s average rate of 3.30 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable mortgage loans are averaging 3.77 percent, unchanged from the previous week’s average 7 year loan rate.

10 year adjustable mortgage loan rates today are averaging 4.32 percent this week, down from last week’s average 10 year adjustable rate of 4.35 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.32 percent.

Current Adjustable Jumbo Refinance Rates and Current Jumbo Mortgage Rates


1 year jumbo adjustable loan rates are averaging 3.63 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. Today refinance rates on 1 year jumbo loans are also averaging 3.63 percent.

3 year adjustable jumbo rates are averaging higher at 4.24 percent, down from last week’s average 3 year jumbo adjustable rate of 4.25 percent. Today’s refinance interest rates on 3 year jumbo loans are also lower, averaging 4.24 percent.

5 year adjustable jumbo interest rates today are averaging 3.70 percent, down from last week’s average jumbo adjustable rate of 3.72 percent. Today’s refinancing mortgage interest rates are also averaging 3.70 percent.

7 year jumbo adjustable loan rates today are averaging 4.53 percent, down from last week’s average 7 year adjustable home loan rate of 4.65 percent. 7 year jumbo refinance loan rates are also lower at 4.53 percent.

Today’s 10 year jumbo loan rates are averaging 5.24 percent, down from the prior week’s average 10 year jumbo home loan rate of 5.26 percent. 10 year jumbo refinance interest rates are also lower, averaging 5.24 percent.

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


3 year interest only adjustable mortgage loan rates are averaging 3.70 percent, up from last week’s average interest only mortgage loan rate of 3.58 percent. 3 year interest only adjustable refinance mortgage rates are also  averaging 3.70 percent.

5 year interest only adjustable loan rates are averaging 3.44 percent, down from last week’s average five year interest only mortgage loan rate of 3.49 percent. Today’s 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.44 percent.

7 year interest only adjustable mortgage loan rates are averaging 4.09 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.98 percent. 7 year adjustable refi loan rates are averaging 4.09 percent.

Today's Jumbo Mortgage Refinancing Rates and Today's Mortgage Rates on Interest Only Adjustable Jumbo Mortgages


3 year jumbo interest only adjustable loan rates are averaging 4.86 percent, unchanged from last week’s average jumbo adjustable interest only rate of 4.78 percent. 3 year interest only adjustable jumbo refi rates are also higher averaging 4.86 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.16 percent, down from last week’s average IO home mortgage interest rate of 4.20 percent. 5 year jumbo adjustable IO loan rates are also lower, averaging at 4.16 percent.

7 year jumbo interest only adjustable rates are averaging 4.96 percent, unchanged from last week's average jumbo 7 year home loan rate. Current 7 year jumbo adjustable interest-only rates are also averaging 4.96  percent.

Home Equity Loan Rates


10 year home equity loan rates are averaging 6.714 percent, unchanged from last week’s average home equity rate.

15 year home equity rates are averaging 7.093 percent, unchanged from last week’s average home equity rate.

Home Equity Line of Credit Rates (HELOC)


Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.
 
Author: Brian McKay
January 31st, 2011