Mortgage rates are lower this week on lower bond yields and a long term U.S. credit rating downgrade. Bond yields plummeted last week on fears of another U.S. recession and continue to decline on S&P's downgrade. As a result mortgage rates declined considerably this week over last week. Current mortgage rates on 30 year conforming loans are averaging 4.28%, down from the previous week's average 30 year mortgage rate of 4.48%. We might see 30 year mortgage rates break 4.00% this coming week.

15 year mortgage rates are also lower this week. Current 15 year mortgage rates are averaging 3.50%, down from last week's average 15 year mortgage rate of 3.69%.

Compare today's mortgage rates by searching our mortgage rate tables here: Today's Mortgage Rates. Unlike most websites, no personal information is needed to view a list of mortgage rates.

30 year jumbo mortgage rates today are averaging 4.70%, down the prior week’s average 30 year jumbo mortgage rate of 4.91%. Today's 15 year jumbo mortgage rates are averaging 4.09%, down from last week’s average 15 year jumbo rate of 4.24%.

Mortgage Rates

Conforming Adjustable Mortgage Rates Today

1 year adjustable mortgage rates today are averaging 3.58%, up from last week’s average 1 year adjustable jumbo mortgage rate of 3.34%.

Current 3 year adjustable mortgage refinance rates and adjustable mortgage rates today are averaging 3.01%, down from last week’s average 3 year adjustable mortgage rate of 3.03%.

5 year adjustable mortgage mortgage are averaging 3.25%, down from the prior week’s average 5 year adjustable rate of 3.43%.

Today's 7 year adjustable mortgage rates are averaging 3.28%, unchanged from the previous week’s average 7 year adjustable mortgage rate.

10 year adjustable mortgage rates currently are averaging 3.70%, down from last week’s average 10 year adjustable rate of 3.96%.

Current Adjustable Jumbo Mortgage Rates

Current 1 year jumbo adjustable mortgage rates are averaging 3.12%, down from last week’s average adjustable jumbo mortgage rate of 4.05%.

3 year adjustable jumbo rates today are averaging higher at 3.38%, down from last week’s average 3 year jumbo adjustable rate of 3.47%.

5 year adjustable jumbo mortgage rates current are averaging 3.21%, down from last week’s average jumbo adjustable rate of 3.38%.

7 year jumbo adjustable mortgage loan rates are averaging 3.64%, down from last week’s average 7 year adjustable home loan rate of 3.83%.

10 year jumbo loan rates are averaging 4.17%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 4.37%. 

Conforming Interest Only Adjustable Mortgage Rates Currently

3 year interest only adjustable mortgage loan rates are averaging 3.09%, down from last week’s average interest only mortgage loan rate of 3.15%.

5 year IO adjustable loan mortgage rates are averaging 3.10%, down last week’s average five year interest only mortgage rate of 3.20%.

7 year interest only adjustable mortgage loan rates are averaging 3.40%, down from last week’s average 7 year interest-only mortgage interest rate of 3.58%. 

Interest Only Jumbo Mortgage Rates Today

Today's 3 year jumbo interest only adjustable loan rates are averaging 3.90%, a decrease from last week’s average jumbo adjustable interest only rate of 3.98%.

5 year adjustable jumbo interest only rates are averaging 3.52%, down from last week’s average IO home mortgage interest rate of 3.65%.

7 year jumbo interest only adjustable rates are averaging 3.84%, down from last week’s average jumbo 7 year home mortgage loan rate of 4.04%.

Home Equity Loan Rates Today

10 year home equity loan rates are averaging 6.62%, down from last week’s average home equity loan rate of 6.77%.

15 year home equity rates are averaging 6.66%, down from last week’s average home equity loan rate of 6.86%.

Today's HELOC Rates

Home equity line of credit rates are averaging 4.97%, unchanged from last week’s average rate HELOC rate.