Mortgage Rates End 2018 Lower

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Mortgage Rates End 2018 LowerMortgage rates continued their move lower as 2018 comes to an end. Average 30 year mortgage rates today are at 4.61 percent, down from the prior week's average 30 year mortgage rate of 4.67 percent. Current mortgage rates on 15 year fixed loans are averaging 3.78 percent, a decline from last week's average 15 year rate of 3.84 percent.

Today's 30 year jumbo mortgage rates are averaging 4.43 percent, down from last week's rate of 4.49 percent. 15 year jumbo mortgage rates are averaging 4.16 percent, a decline from the prior week's average rate of 4.22 percent.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
3.846
3.750
USD
LOWRATES.COM Logo
NMLS # 3277
at 0.100 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $3,191
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.070
4.000
USD
Ally Bank Logo
NMLS # 181005
(877) 223 - 8087
at 0.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $2,209
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
3.798
3.710
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $1,382.55
Fees in APR: $2,910
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
3.848
3.750
USD
First Midwest Bank Logo
NMLS # 423112
at 0.625 pts
60 day lock rate
Est payment: $1,389.35
Fees in APR: $1,685
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
3.951
3.865
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 0.100 pts
30 day lock rate
Est payment: $1,409.00
Fees in APR: $2,819
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
3.990
3.990
USD
LOWRATES.COM Logo
NMLS # 3277
at 0.000 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.255
4.250
USD
Ally Bank Logo
NMLS # 181005
(877) 223 - 8087
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $181
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
3.875
3.875
USD
First Midwest Bank Logo
NMLS # 423112
at 0.000 pts
60 day lock rate
Est payment: $1,410.71
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
3.864
3.835
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,403.86
Fees in APR: $1,049
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.000
4.000
USD
Better.com Logo
NMLS # 330511
State Lic # 6052748
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: None
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Prime Choice Funding Inc.
Prime Choice Funding Inc.
https://www.brimg.net/system/img/inst/10596_logo.gif
300000
Refinance
3.896
3.875
USD
Prime Choice Funding Inc. Logo
NMLS # 117375
at 0.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $773
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.017
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 0.000 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $983
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
3.727
3.625
USD
First Midwest Bank Logo
NMLS # 423112
at 1.250 pts
60 day lock rate
Est payment: $1,368.15
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
3.787
3.585
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $1,361.41
Fees in APR: $4,072
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
3.789
3.625
USD
Better.com Logo
NMLS # 330511
State Lic # 6052748
at 1.100 pts
30 day lock rate
Est payment: $1,368.15
Fees in APR: $2,668
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
3.800
3.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 388 - 7982
at 1.100 pts
30 day lock rate
Est payment: $1,366.47
Fees in APR: $3,452
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
4.304
4.250
USD
San Diego County Credit Union
4.304%
5/22/2019
4.250%
at 0.500 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank
4.030%
5/21/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
4.544
4.500
USD
Bank of the West
4.544%
5/21/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
Raymond James Bank, NA
4.537%
5/21/2019
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Union Bank
Union Bank
300000
Refinance
4.397
4.375
USD
Union Bank
4.397%
5/23/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $771
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
4.278
4.250
USD
Schools First FCU
4.278%
5/20/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
4.025
4.000
USD
First Tech Credit Union
4.025%
5/22/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $898
 
 
30 yr fixed mtg refi Mortgage Loan from Star One Credit Union
Star One Credit Union
300000
Refinance
3.878
3.875
USD
Star One Credit Union
3.878%
5/20/2019
3.875%
at 0.000 pts
45 day lock rate
Est payment: $1,410.71
Fees in APR: $105
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.






As we head into 2019 the outlook for where mortgage rates are headed is anyone's guess at this point. The Federal Reserve is expected to increase the fed funds rate at least two more times in 2019. These increase would force U.S. Treasury yields higher which will force lender's to increase mortgage rates.

Then again if economic growth slows considerably, especially with the trade war in full swing, interest rates could move lower. One group that forecasts mortgage rates, The Mortgage Bankers Association, is forecasting 30 year conforming rates to be at 5.10 percent by the end of 2019.
 
Author: Brian McKay
December 28th, 2018