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Home Ownership Rate Hits 20 Year Low Despite Low Mortgage Rates

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U.S. homeownership rate has just hit a 20 year low despite near record low current mortgage rates. The U.S. Department of Commerce reported the homeownership rate fell to 64.3 percent in the 4th quarter of 2014. This is the lowest level since the 3rd quarter of 1994.

The all-time high rate for homeownership was during the housing bubble when ownership hit a high of 69.4 percent in 2004. Although homeownership recently hit a 20 year low, the outlook for housing in the future is positive. A stronger economy, lower unemployment, and other contributing factors will increase the ownership rate in the coming years.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 06101, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
3.250%
3.250%
USD
Zillow Home Loans, LLC Logo
30 years Fixed
NMLS # 10287
06/14/2021
at -0.500 pts
45 day lock rate
Est payment: $1,306
Fees in APR: ($602)
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.756%
2.750%
USD
AmeriSave Mortgage Corporation Logo
30 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at -0.125 pts
45 day lock rate
Est payment: $1,225
Fees in APR: $239
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
3.125%
3.125%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at -0.125 pts
30 day lock rate
Est payment: $1,286
Fees in APR: ($375)
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
2.582%
2.125%
USD
Rocket Mortgage Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 2.875 pts
30 day lock rate
Est payment: $1,948
Fees in APR: $9,875
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_15YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.113%
1.750%
USD
Wyndham Capital Mortgage Logo
15 years Fixed
NMLS # 2948
06/14/2021
at 2.625 pts
45 day lock rate
Est payment: $1,897
Fees in APR: $7,899
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.353%
2.000%
USD
Zillow Home Loans, LLC Logo
15 years Fixed
NMLS # 10287
06/14/2021
at 2.250 pts
45 day lock rate
Est payment: $1,931
Fees in APR: $7,633
 
 
PERIOD_ARM_5YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
3.000%
3.000%
USD
Wyndham Capital Mortgage Logo
5 years ARM
NMLS # 2948
06/14/2021
at 0.000 pts
45 day lock rate
Est payment: $1,265
Fees in APR: ($45)
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
2.674%
2.250%
USD
Quicken Loans NMLS #3030 Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 2.625 pts
30 day lock rate
Est payment: $1,966
Fees in APR: $9,125
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_ARM_5YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.242%
2.125%
USD
Wyndham Capital Mortgage Logo
5 years ARM
NMLS # 2948
06/14/2021
at 1.625 pts
45 day lock rate
Est payment: $1,128
Fees in APR: $4,746
The Nation's Most Referable Lender
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.875%
2.875%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at -0.375 pts
45 day lock rate
Est payment: $1,646
Fees in APR: ($676)
Direct Lender. Billions Funded.
 
PERIOD_ARM_5YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.155%
2.000%
USD
Wyndham Capital Mortgage Logo
5 years ARM
NMLS # 2948
06/14/2021
at 2.125 pts
45 day lock rate
Est payment: $1,109
Fees in APR: $6,309
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
2.714%
2.375%
USD
Rocket Mortgage Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 2.000 pts
30 day lock rate
Est payment: $1,983
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
PERIOD_ARM_5YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.446%
2.375%
USD
Wyndham Capital Mortgage Logo
5 years ARM
NMLS # 2948
06/14/2021
at 0.875 pts
45 day lock rate
Est payment: $1,166
Fees in APR: $2,811
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
1.987%
1.750%
USD
AmeriSave Mortgage Corporation Logo
15 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 1.500 pts
45 day lock rate
Est payment: $1,897
Fees in APR: $5,138
Direct Lender. Billions Funded.
 
PERIOD_FIXED_15YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.020%
1.875%
USD
AmeriSave Mortgage Corporation Logo
15 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 0.875 pts
45 day lock rate
Est payment: $1,914
Fees in APR: $3,125
Direct Lender. Billions Funded.
 
PERIOD_FIXED_15YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.373%
2.250%
USD
Neighbors Bank Logo
15 years Fixed
NMLS # 491986
06/14/2021
at 0.875 pts
30 day lock rate
Est payment: $1,966
Fees in APR: $2,625
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.516%
2.375%
USD
Zillow Home Loans, LLC Logo
15 years Fixed
NMLS # 10287
06/14/2021
at 0.750 pts
45 day lock rate
Est payment: $1,983
Fees in APR: $3,004
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.214%
2.125%
USD
Wyndham Capital Mortgage Logo
15 years Fixed
NMLS # 2948
06/14/2021
at 0.625 pts
45 day lock rate
Est payment: $1,948
Fees in APR: $1,899
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
2.808%
2.625%
USD
Rocket Mortgage Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 0.875 pts
30 day lock rate
Est payment: $2,019
Fees in APR: $3,875
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_15YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
1.911%
1.750%
USD
AimLoan.com Logo
15 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 1.125 pts
30 day lock rate
Est payment: $1,897
Fees in APR: $3,501
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_15YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
2.787%
2.500%
USD
Quicken Loans NMLS #3030 Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 1.625 pts
30 day lock rate
Est payment: $2,001
Fees in APR: $6,125
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
3.125%
3.125%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at -0.125 pts
30 day lock rate
Est payment: $1,683
Fees in APR: ($375)
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.175%
2.000%
USD
Wyndham Capital Mortgage Logo
15 years Fixed
NMLS # 2948
06/14/2021
at 1.250 pts
45 day lock rate
Est payment: $1,931
Fees in APR: $3,774
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.398%
2.125%
USD
Zillow Home Loans, LLC Logo
15 years Fixed
NMLS # 10287
06/14/2021
at 1.625 pts
45 day lock rate
Est payment: $1,948
Fees in APR: $5,881
 
 
PERIOD_FIXED_20YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.763%
2.750%
USD
New American Funding Logo
20 years Fixed
NMLS # 6606
06/14/2021
at 0.125 pts
30 day lock rate
Est payment: $1,627
Fees in APR: $360
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.575%
2.250%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 2.875 pts
45 day lock rate
Est payment: $1,554
Fees in APR: $9,134
Direct Lender. Billions Funded.
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.783%
2.500%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at 2.625 pts
30 day lock rate
Est payment: $1,590
Fees in APR: $7,875
 
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.623%
2.375%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 2.125 pts
45 day lock rate
Est payment: $1,572
Fees in APR: $6,908
Direct Lender. Billions Funded.
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.842%
2.625%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at 2.000 pts
30 day lock rate
Est payment: $1,609
Fees in APR: $6,000
 
 
PERIOD_FIXED_10YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
1.875%
1.875%
USD
AimLoan.com Logo
10 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at -0.250 pts
30 day lock rate
Est payment: $2,744
Fees in APR: ($705)
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_10YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
1.993%
1.990%
USD
AmeriSave Mortgage Corporation Logo
10 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at -0.125 pts
45 day lock rate
Est payment: $2,760
Fees in APR: $47
Direct Lender. Billions Funded.
 
PERIOD_FIXED_10YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.012%
1.750%
USD
AmeriSave Mortgage Corporation Logo
10 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 1.125 pts
45 day lock rate
Est payment: $2,727
Fees in APR: $3,863
Direct Lender. Billions Funded.
 
PERIOD_FIXED_10YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
1.843%
1.750%
USD
AimLoan.com Logo
10 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 0.500 pts
30 day lock rate
Est payment: $2,727
Fees in APR: $1,365
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_10YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.001%
1.875%
USD
AmeriSave Mortgage Corporation Logo
10 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 0.500 pts
45 day lock rate
Est payment: $2,744
Fees in APR: $1,847
Direct Lender. Billions Funded.
 
PERIOD_FIXED_10YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.250%
2.250%
USD
New American Funding Logo
10 years Fixed
NMLS # 6606
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $2,795
Fees in APR: None
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.682%
2.500%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 1.500 pts
45 day lock rate
Est payment: $1,590
Fees in APR: $5,051
Direct Lender. Billions Funded.
 
PERIOD_FIXED_20YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.395%
2.250%
USD
AimLoan.com Logo
20 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 1.375 pts
30 day lock rate
Est payment: $1,554
Fees in APR: $4,053
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.797%
2.750%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 0.250 pts
45 day lock rate
Est payment: $1,627
Fees in APR: $1,274
Direct Lender. Billions Funded.
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
3.018%
2.990%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at 0.250 pts
30 day lock rate
Est payment: $1,663
Fees in APR: $750
 
 
PERIOD_FIXED_20YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.519%
2.500%
USD
AimLoan.com Logo
20 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 0.125 pts
30 day lock rate
Est payment: $1,590
Fees in APR: $516
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_15YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
2.898%
2.750%
USD
Quicken Loans NMLS #3030 Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 0.625 pts
30 day lock rate
Est payment: $2,036
Fees in APR: $3,125
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_20YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.440%
2.375%
USD
AimLoan.com Logo
20 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 0.625 pts
30 day lock rate
Est payment: $1,572
Fees in APR: $1,809
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.944%
2.875%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at 0.625 pts
30 day lock rate
Est payment: $1,646
Fees in APR: $1,875
 
 
PERIOD_FIXED_20YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.887%
2.750%
USD
Neighbors Bank Logo
20 years Fixed
NMLS # 491986
06/14/2021
at 1.250 pts
30 day lock rate
Est payment: $1,627
Fees in APR: $3,750
 
 
PERIOD_FIXED_20YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.753%
2.625%
USD
AmeriSave Mortgage Corporation Logo
20 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 1.000 pts
45 day lock rate
Est payment: $1,609
Fees in APR: $3,527
Direct Lender. Billions Funded.
 
PERIOD_FIXED_20YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
102.564%
101.767%
USD
New American Funding Logo
20 years Fixed
NMLS # 6606
06/14/2021
at 0.750 pts
30 day lock rate
Est payment: $25,442
Fees in APR: $2,349
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_20YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.750%
2.750%
USD
New American Funding Logo
20 years Fixed
NMLS # 6606
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $1,627
Fees in APR: None
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_15YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.052%
1.990%
USD
AmeriSave Mortgage Corporation Logo
15 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 0.250 pts
45 day lock rate
Est payment: $1,930
Fees in APR: $1,322
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.696%
2.625%
USD
AmeriSave Mortgage Corporation Logo
30 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 0.750 pts
45 day lock rate
Est payment: $1,205
Fees in APR: $2,798
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.809%
2.750%
USD
New American Funding Logo
30 years Fixed
NMLS # 6606
06/14/2021
at 0.750 pts
30 day lock rate
Est payment: $1,225
Fees in APR: $2,295
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.342%
3.250%
USD
Rocket Mortgage Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 0.750 pts
30 day lock rate
Est payment: $1,306
Fees in APR: $3,500
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
3.064%
3.000%
USD
Zillow Home Loans, LLC Logo
30 years Fixed
NMLS # 10287
06/14/2021
at 0.500 pts
45 day lock rate
Est payment: $1,265
Fees in APR: $2,446
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.943%
2.875%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at 0.875 pts
30 day lock rate
Est payment: $1,245
Fees in APR: $2,625
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.488%
3.375%
USD
Quicken Loans NMLS #3030 Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 1.000 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $4,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.741%
2.625%
USD
New American Funding Logo
30 years Fixed
NMLS # 6606
06/14/2021
at 1.500 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $4,557
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.401%
3.250%
USD
Quicken Loans NMLS #3030 Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 1.500 pts
30 day lock rate
Est payment: $1,306
Fees in APR: $5,750
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.731%
2.625%
USD
New American Funding Logo
30 years Fixed
NMLS # 6606
06/14/2021
at 1.375 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $4,182
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.600%
2.500%
USD
AimLoan.com Logo
30 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 1.375 pts
30 day lock rate
Est payment: $1,186
Fees in APR: $3,951
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
3.019%
2.990%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at 0.375 pts
30 day lock rate
Est payment: $1,264
Fees in APR: $1,125
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.901%
2.875%
USD
Wyndham Capital Mortgage Logo
30 years Fixed
NMLS # 2948
06/14/2021
at 0.375 pts
45 day lock rate
Est payment: $1,245
Fees in APR: $1,005
The Nation's Most Referable Lender
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.756%
2.750%
USD
AmeriSave Mortgage Corporation Logo
30 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at -0.125 pts
45 day lock rate
Est payment: $1,225
Fees in APR: $239
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
3.125%
3.125%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at -0.125 pts
30 day lock rate
Est payment: $1,286
Fees in APR: ($375)
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
3.000%
3.000%
USD
Wyndham Capital Mortgage Logo
30 years Fixed
NMLS # 2948
06/14/2021
at -0.250 pts
45 day lock rate
Est payment: $1,265
Fees in APR: ($621)
The Nation's Most Referable Lender
 
PERIOD_FIXED_30YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
3.250%
3.250%
USD
Zillow Home Loans, LLC Logo
30 years Fixed
NMLS # 10287
06/14/2021
at -0.500 pts
45 day lock rate
Est payment: $1,306
Fees in APR: ($602)
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.533%
3.500%
USD
Rocket Mortgage Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $1,348
Fees in APR: $1,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.875%
2.875%
USD
New American Funding Logo
30 years Fixed
NMLS # 6606
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $1,245
Fees in APR: None
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.645%
2.625%
USD
AimLoan.com Logo
30 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 0.250 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $777
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.889%
2.875%
USD
New American Funding Logo
30 years Fixed
NMLS # 6606
06/14/2021
at 0.125 pts
30 day lock rate
Est payment: $1,245
Fees in APR: $531
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.160%
4.125%
USD
Quicken Loans NMLS #3030 Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $1,454
Fees in APR: $1,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.875%
2.750%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at 1.625 pts
30 day lock rate
Est payment: $1,225
Fees in APR: $4,875
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.905%
2.750%
USD
Zillow Home Loans, LLC Logo
30 years Fixed
NMLS # 10287
06/14/2021
at 1.750 pts
45 day lock rate
Est payment: $1,225
Fees in APR: $6,055
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.000%
2.000%
USD
AimLoan.com Logo
15 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at -0.250 pts
30 day lock rate
Est payment: $1,931
Fees in APR: ($594)
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_15YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.625%
2.625%
USD
Zillow Home Loans, LLC Logo
15 years Fixed
NMLS # 10287
06/14/2021
at -0.375 pts
45 day lock rate
Est payment: $2,019
Fees in APR: ($104)
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.125%
2.125%
USD
AmeriSave Mortgage Corporation Logo
15 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at -0.375 pts
45 day lock rate
Est payment: $1,948
Fees in APR: ($568)
Direct Lender. Billions Funded.
 
PERIOD_FIXED_15YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.375%
2.375%
USD
Wyndham Capital Mortgage Logo
15 years Fixed
NMLS # 2948
06/14/2021
at -0.375 pts
45 day lock rate
Est payment: $1,983
Fees in APR: ($1,101)
The Nation's Most Referable Lender
 
PERIOD_FIXED_15YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.500%
2.500%
USD
Neighbors Bank Logo
15 years Fixed
NMLS # 491986
06/14/2021
at -0.125 pts
30 day lock rate
Est payment: $2,001
Fees in APR: ($375)
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
2.250%
2.250%
USD
New American Funding Logo
15 years Fixed
NMLS # 6606
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $1,966
Fees in APR: None
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_15YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.428%
2.375%
USD
Neighbors Bank Logo
15 years Fixed
NMLS # 491986
06/14/2021
at 0.375 pts
30 day lock rate
Est payment: $1,983
Fees in APR: $1,125
 
 
PERIOD_FIXED_15YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
2.934%
2.875%
USD
Rocket Mortgage Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $2,054
Fees in APR: $1,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_15YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.185%
3.125%
USD
Quicken Loans NMLS #3030 Logo
15 years Fixed
NMLS # 3030
06/14/2021
at 0.000 pts
30 day lock rate
Est payment: $2,090
Fees in APR: $1,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.226%
2.990%
USD
Quicken Loans NMLS #3030 Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 2.625 pts
30 day lock rate
Est payment: $1,264
Fees in APR: $9,125
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.445%
2.250%
USD
AimLoan.com Logo
30 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 2.625 pts
30 day lock rate
Est payment: $1,147
Fees in APR: $7,857
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.168%
2.990%
USD
Rocket Mortgage Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 1.875 pts
30 day lock rate
Est payment: $1,264
Fees in APR: $6,875
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.765%
2.625%
USD
Wyndham Capital Mortgage Logo
30 years Fixed
NMLS # 2948
06/14/2021
at 1.875 pts
45 day lock rate
Est payment: $1,205
Fees in APR: $5,511
The Nation's Most Referable Lender
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.650%
2.500%
USD
AmeriSave Mortgage Corporation Logo
30 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 1.875 pts
45 day lock rate
Est payment: $1,186
Fees in APR: $5,975
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
2.511%
2.375%
USD
AimLoan.com Logo
30 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 1.875 pts
30 day lock rate
Est payment: $1,166
Fees in APR: $5,460
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.090%
2.875%
USD
Rocket Mortgage Logo
30 years Fixed
NMLS # 3030
06/14/2021
at 2.375 pts
30 day lock rate
Est payment: $1,245
Fees in APR: $8,375
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Wyndham Capital Mortgage
Wyndham Capital Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/99.gif
300000
Purchase
2.680%
2.500%
USD
Wyndham Capital Mortgage Logo
30 years Fixed
NMLS # 2948
06/14/2021
at 2.375 pts
45 day lock rate
Est payment: $1,186
Fees in APR: $7,176
The Nation's Most Referable Lender
 
PERIOD_FIXED_30YEARS Mortgage Loan from Zillow Home Loans, LLC
Zillow Home Loans, LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112550.gif
300000
Purchase
2.844%
2.625%
USD
Zillow Home Loans, LLC Logo
30 years Fixed
NMLS # 10287
06/14/2021
at 2.625 pts
45 day lock rate
Est payment: $1,205
Fees in APR: $8,662
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from Neighbors Bank
Neighbors Bank
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112539.gif
300000
Purchase
2.815%
2.625%
USD
Neighbors Bank Logo
30 years Fixed
NMLS # 491986
06/14/2021
at 2.500 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $7,500
 
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.567%
2.375%
USD
AmeriSave Mortgage Corporation Logo
30 years Fixed
NMLS # 1168
State Lic # 11309
06/14/2021
at 2.375 pts
45 day lock rate
Est payment: $1,166
Fees in APR: $7,688
Direct Lender. Billions Funded.
 
PERIOD_FIXED_15YEARS Mortgage Loan from AimLoan.com
AimLoan.com
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112335.gif
300000
Purchase
1.941%
1.875%
USD
AimLoan.com Logo
15 years Fixed
NMLS # 2890
State Lic # 13256
06/14/2021
at 0.500 pts
30 day lock rate
Est payment: $1,914
Fees in APR: $1,431
Internet direct lender since 1998. View rates & fees, apply/lock online 24/7
 
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.





A significant change that will promote homeownership is downpayment requirements by Freddie Mac and Fannie Mae. Starting last week, first time homebuyers can put down as little as 3 percent whereas the prior minimum was 5 percent.

Other changes include the FHA lowering insurance premiums by 0.05 percent, which will save 2 million homeowners $900 a year. This change is also expected to entice 250,000 new homebuyers to purchase their first home within the next three years.

Freddie Mac also announced their Home Possible Mortgages, which are designed to help low and moderate income borrowers. These borrowers will have more options for low down payment mortgages. All of these changes are designed to help the housing market recover from the worst bust since the Great Depression.

Mortgage rates are expected to increase in 2015 but will still be low, historically speaking. Current 30 year mortgage rates are averaging 3.80 percent, a decline from last week's average 30 year rate of 3.85 percent. By the end of 2015, average 30 year rates are expected to be near 5.00 percent, which is still low considering the double digit rates we saw in the 1970s and early 1980s.

Mortgage rates today on 15 year conforming loans are averaging 2.98 percent, a slight increase from the prior week's average of 2.97 percent. By the end of 2015, average 15 year rates are expected to rise to 4.00 percent, which is still a historically low rate.

Average 30 year jumbo mortgage rates are at 4.29 percent, up 1 basis point from last week's average of 4.28 percent. 30 year rates on average will also be near 5.00 percent by the end of this year.

Today's 15 year jumbo rates are averaging 4.10 percent, up from the previous week's average rate of 4.07 percent. Forecasts for 15 year rates by the end of this year are around 5.00 percent.

If you're thinking about buying a home, now is probably one of the best times over the past decade. Interest rates are still low and home prices are still lower than the peak bubble prices in many areas of the United States.

If you already own a home and are thinking about refinancing, now is the time. If you can refinance to a shorter term loan such as a 15 year instead of a 30 year loan, you will save tens of thousands or even hundreds of thousands of dollars in interest payments.
 
Author: Brian McKay
February 4th, 2015