Mortgage Rates Headed Up – Unemployment Headed Down
As a result of better unemployment picture, banks are now offering conforming fixed-rate 30-year mortgages above 5.50 percent, up from rates of 5.25 percent earlier this week. Current mortgage rates are not much higher than the low mortgage rates set last month around 5.00 percent. You can also buy mortgage rates down buy paying points, the more points (discount points) you pay the lower the mortgage rate will be. Mortgage rates will still probably stay low for awhile since inflation isn't a threat with the high unemployment rate. The government still realizes the housing market still doesn't have legs to stand on. As for the unemployment numbers the U.S. non-farm payroll dropped another 247,000 jobs in July, which is lower than the average loss of 331,000 jobs in the past three months. 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
 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
 NMLS #1025894
4.881%
15-Year Fixed
4.750%
$3,468
Includes 0.867 points for $3,468
Lender Fees: $0
$3,112 /mo
 NMLS #757416
4.897%
15-Year Fixed
4.750%
$3,908
Includes 0.977 points for $3,908
Lender Fees: $0
$3,112 /mo
 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
 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
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
 NMLS #1928741
4.980%
15-Year Fixed
4.875%
$2,788
Includes 0.697 points for $2,788
Lender Fees: $0
$3,138 /mo
 NMLS #1312186
5.026%
15-Year Fixed
4.875%
$4,000
Includes 1.000 points for $4,000
Lender Fees: $0
$3,138 /mo
 NMLS #6606
5.139%
15-Year Fixed
4.990%
$3,936
Includes 0.984 points for $3,936
Lender Fees: $0
$3,162 /mo
NMLS #1312186
5.338%
5-Year ARM
5.250%
$3,952
Includes 0.988 points for $3,952
Lender Fees: $0
$2,209 /mo
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
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
NMLS #2059741
5.571%
30-Year Fixed
5.490%
$3,580
Includes 0.895 points for $3,580
Lender Fees: $0
$2,269 /mo
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
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
NMLS #757416
5.689%
30-Year Fixed
5.625%
$2,804
Includes 0.701 points for $2,804
Lender Fees: $0
$2,303 /mo
NMLS #1928741
5.697%
30-Year Fixed
5.625%
$3,184
Includes 0.796 points for $3,184
Lender Fees: $0
$2,303 /mo
NMLS #1025894
5.811%
30-Year Fixed
5.750%
$2,664
Includes 0.666 points for $2,664
Lender Fees: $0
$2,335 /mo
NMLS #1312186
5.842%
30-Year Fixed
5.750%
$4,000
Includes 1.000 points for $4,000
Lender Fees: $0
$2,335 /mo
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
NMLS #6606
5.961%
30-Year Fixed
5.875%
$3,732
Includes 0.933 points for $3,732
Lender Fees: $0
$2,367 /mo
 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
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.
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Mortgage rates jumped today after the Bureau of Labor Statistics said the unemployment rate was down to 9.4 percent in July compare to 9.5 percent in June, which surprised most economists who estimated the rate would go as high as 9.8 percent in July.
