Mortgage Rates Fall – Average 30 Year Mortgage Rates Today at 3.74 Percent

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Mortgage rates are lower this week, continuing the downtrend for 2015. Average 30 year conforming mortgage rates today are at 3.74 percent, a decline from last week's average of 3.84 percent. Mortgage rates were predicted to move higher in 2015, following 10 year U.S. Treasury yields higher, but just the opposite has happened.

In early March, 10 year bond yields hit a high of 2.25 percent and were set to move even higher on strong economic growth. Since that time, 10 year yields have fallen 40 basis points, to Friday's close of 1.83 percent. The fall in yields accelerated on Friday when a disappointing jobs number for March was released.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from United Mutual Funding Corp
United Mutual Funding Corp
https://www.brimg.net/system/img/inst/2360_logo.gif
300000
Refinance
4.109
4.000
USD
United Mutual Funding Corp Logo
NMLS # 168163
State Lic # MC3254
(877) 525-1706
at 1.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $895
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.187
4.124
USD
at 0.100 pts
30 day lock rate
Est payment: $1,453.77
Fees in APR: $1,947
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.575
4.500
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,333
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.280
4.250
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $756
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.221
4.125
USD
Northpointe Bank Logo
NMLS # 447490
(877) 526-5061
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,124
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.371
4.250
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 643-6301
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,270
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.317
4.250
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,071
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.262
4.210
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $1,468.80
Fees in APR: $1,546
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.320
4.250
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,166
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.222
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,527
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.356
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $5,144
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.521
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,100
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.468
4.375
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,961
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.320
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,195
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.117
3.950
USD
at 0.100 pts
30 day lock rate
Est payment: $1,423.61
Fees in APR: $5,672
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.400
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC-1532
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $895
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.399
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $863
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.500
4.500
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 643-6301
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.375
4.375
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.659
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,193
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Commonwealth Mortgage, LLC
Commonwealth Mortgage, LLC
https://www.brimg.net/system/img/inst/5071_logo.gif
300000
Refinance
4.450
4.450
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 330-6018
at 0.000 pts
30 day lock rate
Est payment: $1,511.16
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.384
4.375
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $325
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.306
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,995
 
30 yr fixed Mortgage Loan from United Mutual Funding Corp
United Mutual Funding Corp
https://www.brimg.net/system/img/inst/2360_logo.gif
300000
Refinance
4.181
4.125
USD
United Mutual Funding Corp Logo
NMLS # 168163
State Lic # MC3254
(877) 525-1706
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,995
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.335
4.335
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,490.79
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.500
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from KS StateBank
KS StateBank
https://www.brimg.net/system/img/inst/10346_logo.gif
300000
Refinance
4.523
4.500
USD
KS StateBank Logo
NMLS # 410602
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $795
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.646
4.625
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $748
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.499
4.490
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.371
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $230
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.375
4.375
USD
Northpointe Bank Logo
NMLS # 447490
(877) 526-5061
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
300000
Refinance
4.275
4.250
USD
Aurora Financial Logo
NMLS # 35959
State Lic # MC-2967
(877) 385-9793
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $907
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.187
4.125
USD
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,235
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.038
3.874
USD
at 1.100 pts
30 day lock rate
Est payment: $1,410.54
Fees in APR: $2,586
 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.246
3.875
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 2.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $7,087
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.410
4.250
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,325
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
3.990
3.750
USD
at 1.100 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $5,325
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.179
4.000
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,088
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from United Mutual Funding Corp
United Mutual Funding Corp
https://www.brimg.net/system/img/inst/2360_logo.gif
300000
Refinance
4.067
3.875
USD
United Mutual Funding Corp Logo
NMLS # 168163
State Lic # MC3254
(877) 525-1706
at 2.000 pts
45 day lock rate
Est payment: $1,410.71
Fees in APR: $875
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.501
4.375
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,102
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.258
4.125
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,443
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.196
4.000
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,665
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.564
9.125
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $8,020
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.158
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,708
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
8/14/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.808
4.750
USD
Santander Bank, N.A.
4.808%
8/16/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.557
4.500
USD
State Department Federal Credit Union
4.557%
8/13/2018
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.796
4.750
USD
Northwest Federal Credit Union
4.796%
8/15/2018
4.750%
at 0.500 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.671
4.625
USD
Bank of Oak Ridge
4.671%
8/16/2018
4.625%
at 0.250 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank
4.656%
8/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.771
4.625
USD
Virginia Credit Union
4.771%
8/14/2018
4.625%
at 1.125 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Langley FCU
Langley FCU
300000
Refinance
4.889
4.875
USD
Langley FCU
4.889%
8/16/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $495
 
 
30 yr fixed mtg refi Mortgage Loan from The Fidelity Bank
The Fidelity Bank
300000
Refinance
4.900
4.875
USD
The Fidelity Bank
4.900%
8/10/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $863
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.676
4.625
USD
Citizens Bank, NA
4.676%
8/10/2018
4.625%
at 0.125 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.790
4.750
USD
Fulton Bank, NA
4.790%
8/14/2018
4.750%
at 0.125 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.560
4.500
USD
TD Bank, NA
4.560%
8/10/2018
4.500%
at 0.375 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.493
4.375
USD
Bank of America
4.493%
8/15/2018
4.375%
at 0.946 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,289
 
 

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.






Mortgage Rates Fall - Average 30 Year Mortgage Rates Today at 3.74 PercentMortgage rates also declined since early March, but not as much as 10 year bond yields. At the beginning of March, average 30 year rates were at 3.94 percent, only 20 basis points higher than the current average rate. The down pressure on bond yields and rates will continue into April if any more weak economic news is released.

We could possibly see average 30 year mortgage rates fall below the all‑time record low of 3.35 percent set in May 2013. Right now on our rate table, you can find some lenders quoting 30 year refinance rates with points just below 3.50 percent.

Current mortgage rates on 15 year conforming loans are averaging 2.94 percent, a decline from the prior week's average rate of 3.06 percent. The last time average 15 year rates were below 3.00 percent was back in early February when rates fell to 2.98 percent.

If you're willing to pay points on a loan, you can find lenders quoting rates below the average rate. The best 15 year refinance rates available on the rate table are just below the average rate at 2.75 percent with 0.50 points. The best refi rate without points on the table is at 2.875 percent, slightly below the current average rate.

Average Mortgage Rates Today April 6 201530 year jumbo mortgage rates today are averaging 3.93 percent, down from the previous week's average jumbo rate of 4.10 percent. The lowest 30 year jumbo refinancing rates right now are much lower at 3.625 percent with 1.25 mortgage points. The lowest 30 year jumbo rate without points is still below the average at 3.75 percent.

Today's mortgage rates on 15 year jumbo loans are averaging 3.52 percent, down sharply from last week's rate of 4.07 percent. The lowest 15 year jumbo refi rates on our rate table are also much lower at 2.75 percent with 1.125 points. The lowest rate without points is at 2.99 percent.

Average 5 year conforming adjustable rates are at 3.03 percent, down from last week's average rate of 3.14 percent. The lowest 5 year ARMS available on the rate table are at 2.375 percent with 1.5 points and at 2.625 percent with zero points.
 
Author: Brian McKay
April 7th, 2015