Mortgage rates declined again this week and 30 year mortgage rates hit an all-time low of 4.14% in MonitorBankRates' Weekly Average Mortgage Rate Survey. Millions of homeowners can't take advantage of record low mortgage rates and refinance because they don't have the required 80% loan-to-value (LTV) ratio many lenders now require. The Mortgage Bankers Association also reported a rise in mortgage delinquencies to a seasonally adjusted rate of 8.44 percent of all loans outstanding as of the end of the second quarter of 2011, an increase of 12 basis points from the first quarter of 2011.

Find 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.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are MRC's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #2059741

4.767%

15-Year Fixed

4.625%

$3,788

Includes 0.947 points for $3,788

Lender Fees: $0

$3,086 /mo

Next >

NMLS #2473786

4.778%

15-Year Fixed

4.625%

$4,075

Includes 0.745 points for $2,980

Lender Fees: $1,095

$3,086 /mo

Next >

NMLS #1025894

4.881%

15-Year Fixed

4.750%

$3,468

Includes 0.867 points for $3,468

Lender Fees: $0

$3,112 /mo

Next >

NMLS #757416

4.897%

15-Year Fixed

4.750%

$3,908

Includes 0.977 points for $3,908

Lender Fees: $0

$3,112 /mo

Next >

NMLS #324599

License: 324599

4.900%

15-Year Fixed

4.750%

$4,070

Includes 0.750 points for $3,000

Lender Fees: $1,070

$3,112 /mo

Next >

NMLS #1954591

License: 60DBO-113383

4.921%

15-Year Fixed

4.750%

$4,599

Includes 0.873 points for $3,492

Lender Fees: $1,107

$3,112 /mo

Next >

NMLS #2473786

4.972%

5-Year ARM

4.875%

$4,487

Includes 0.848 points for $3,392

Lender Fees: $1,095

$2,117 /mo

Next >

NMLS #1928741

4.980%

15-Year Fixed

4.875%

$2,788

Includes 0.697 points for $2,788

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1312186

5.026%

15-Year Fixed

4.875%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,138 /mo

Next >

NMLS #6606

5.139%

15-Year Fixed

4.990%

$3,936

Includes 0.984 points for $3,936

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1312186

5.338%

5-Year ARM

5.250%

$3,952

Includes 0.988 points for $3,952

Lender Fees: $0

$2,209 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.472%

5-Year ARM

5.375%

$4,375

Includes 0.817 points for $3,268

Lender Fees: $1,107

$2,240 /mo

Next >

NMLS #324599

License: 324599

5.482%

5-Year ARM

5.375%

$4,838

Includes 0.942 points for $3,768

Lender Fees: $1,070

$2,240 /mo

Next >

NMLS #2059741

5.571%

30-Year Fixed

5.490%

$3,580

Includes 0.895 points for $3,580

Lender Fees: $0

$2,269 /mo

Next >

NMLS #2473786

5.586%

30-Year Fixed

5.490%

$4,239

Includes 0.786 points for $3,144

Lender Fees: $1,095

$2,269 /mo

Next >

NMLS #324599

License: 324599

5.613%

30-Year Fixed

5.500%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,272 /mo

Next >

NMLS #757416

5.689%

30-Year Fixed

5.625%

$2,804

Includes 0.701 points for $2,804

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1928741

5.697%

30-Year Fixed

5.625%

$3,184

Includes 0.796 points for $3,184

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1025894

5.811%

30-Year Fixed

5.750%

$2,664

Includes 0.666 points for $2,664

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1312186

5.842%

30-Year Fixed

5.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.853%

30-Year Fixed

5.750%

$4,539

Includes 0.858 points for $3,432

Lender Fees: $1,107

$2,335 /mo

Next >

NMLS #6606

5.961%

30-Year Fixed

5.875%

$3,732

Includes 0.933 points for $3,732

Lender Fees: $0

$2,367 /mo

Next >

NMLS #399799

5.971%

30-Year Fixed

5.875%

$4,315

Includes 0.747 points for $2,988

Lender Fees: $1,327

$2,367 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Conforming 15 year mortgage rates are also at record lows in this week's survey. 15 year mortgage rates currently are averaging 3.36%, down from last week’s average 15 year mortgage rate of 3.50%.

Mortgage rates on 30 year jumbo mortgages are averaging 4.62%, down from last week’s average 30 year jumbo mortgage rate of 4.70%.  Average mortgage rates today on 15 year jumbo mortgages are at 3.87%, down slightly from last week’s average 15 year jumbo rate of 4.08%.

Mortgage Rates

Today's Conventional Adjustable Mortgage Rates

1 year adjustable mortgage rates today are averaging 3.48%, down from last week’s average 1 year adjustable jumbo mortgage rate of 3.48%.

Current 3 year adjustable mortgage rates today are averaging 2.98%, up from last week’s average 3 year adjustable mortgage rate of 2.95%.

5 year adjustable mortgage rates are averaging 2.99%, down slightly from the prior week’s average 5 year adjustable rate of 3.00%.

Today’s 7 year adjustable mortgage rates are averaging 3.17%, down from the previous week’s average 7 year adjustable mortgage rate of 3.23%.

10 year adjustable mortgage rates currently are averaging 3.60%, down from last week’s average 10 year adjustable rate of 3.76%.

Adjustable Jumbo Mortgage Rates Current

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

3 year adjustable jumbo rates today are averaging higher at 3.42%, up from last week’s average 3 year jumbo adjustable rate of 3.33%.

5 year adjustable jumbo mortgage rates current are averaging 3.23%, down from last week’s average jumbo adjustable rate of 3.25%.

7 year jumbo adjustable mortgage loan rates are averaging 3.61%, down from last week’s average 7 year adjustable home loan rate of 3.64%.

10 year jumbo loan rates are averaging 4.13%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 4.15%. 

Current Conventional Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates are averaging 3.25%, up from last week’s average interest only mortgage loan rate of 3.14%.

5 year IO adjustable loan mortgage rates are averaging 3.06%, down last week’s average five year interest only mortgage rate of 3.13%.

7 year interest only adjustable mortgage loan rates are averaging 3.29%, down from last week’s average 7 year interest-only mortgage interest rate of 3.39%. 

Interest Only Jumbo Mortgage Rates Today

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.52%, up from last week’s average jumbo adjustable interest only rate of 3.43%.

Current 5 year adjustable jumbo interest only rates are averaging 3.56%, up from last week’s average IO home mortgage interest rate of 3.55%.

Today's 7 year jumbo interest only adjustable rates are averaging 3.83%, unchanged from last week’s average jumbo 7 year home mortgage loan rate.

Current Home Equity Loan Rates

10 year home equity loan rates are averaging 6.66%, up from last week’s average home equity loan rate of 6.62%.

15 year home equity rates are averaging 6.68%, up from last week’s average home equity loan rate of 6.86%.

HELOC Rates Today

Home equity line of credit rates are averaging 5.04%, up from last week’s average rate HELOC rate of 4.97%.