Mortgage Rates Today Higher on Higher Treasury Yields

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Mortgage rates today are higher as we expected since 10 year Treasury yields rallied yesterday on sightly positive economic news on GDP. Growth slowed down in the second quarter as expected but the markets rallied because the number didn't come in less than expected as many feared.

Average fixed conforming mortgage rates todays are at 3.60 percent up from yesterday's average 30 year mortgage rate of 3.55 percent. 30 year mortgage rates bounced off yesterday's an all-time record low of 3.55 percent but are still incredibly low.
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 First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.686
4.625
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,804
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.588
4.500
USD
Home Loans Today Logo
NMLS # 152859
(877) 210-6845
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,769
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.690
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,950
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.974
4.875
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.100 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $3,073
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
4.655
4.625
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
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
4.608
4.500
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,469
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.869
4.750
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MC-436
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,071
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.596
4.470
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $1,514.71
Fees in APR: $4,076
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.291
5.125
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.100 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $5,234
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.593
4.500
USD
Agora Lending Logo
NMLS # 1121650
(877) 752-0571
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,929
Thank you for your 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
4.702
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,363
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.575
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,672
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.826
4.725
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,560.42
Fees in APR: $3,172
Thank you for your inquiry! We look forward to working with you. 
 
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
4.677
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $3,467
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.881
4.750
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,503
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.951
4.875
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $2,313
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
4.602
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,257
 
 
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
4.499
4.375
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 318-5242
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $4,043
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.781
4.750
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC-1532
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,082
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
4.778
4.750
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $975
 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.875
4.875
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MC-436
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
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
4.625
4.625
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.875
4.875
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.140
5.125
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $491
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
4.820
4.820
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 330-6018
at 0.000 pts
30 day lock rate
Est payment: $1,577.62
Fees in APR: None
Thanks for the inquiry! 
 
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
4.671
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,595
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.763
4.750
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $465
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.712
4.710
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,557.72
Fees in APR: $55
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.391
5.375
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.000 pts
30 day lock rate
Est payment: $1,679.91
Fees in APR: $531
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from MortgageRight
MortgageRight
https://www.brimg.net/system/img/inst/10453_logo.gif
300000
Refinance
4.750
4.750
USD
MortgageRight Logo
NMLS # 2239
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
4.750
4.750
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.750
4.750
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.660
4.625
USD
Agora Lending Logo
NMLS # 1121650
(877) 752-0571
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,222
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.125
5.125
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.750
4.750
USD
LoanLock Logo
NMLS # 237507
(877) 497-6252
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
4.875
4.875
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 210-3816
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.649
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,178
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
4.750
4.750
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
4.625
4.625
USD
Aurora Financial Logo
NMLS # 35959
State Lic # MC-2967
(877) 385-9793
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
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
4.627
4.625
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 318-5242
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $67
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.750
4.750
USD
Home Loans Today Logo
NMLS # 152859
(877) 210-6845
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
4.517
4.375
USD
Home Loans Today Logo
NMLS # 152859
(877) 210-6845
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,665
 
 
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
4.667
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $8,355
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.798
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,665
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.521
4.375
USD
Agora Lending Logo
NMLS # 1121650
(877) 752-0571
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,819
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
4.450
4.250
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 318-5242
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,721
 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.158
4.875
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 1.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $6,190
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.827
4.500
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MC-436
at 2.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $5,184
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.618
4.500
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $825
Thank you for your inquiry, we will be in touch shortly. 
 
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
4.597
4.500
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $68
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.690
4.500
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,282
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.544
4.375
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(877) 899-4115
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,600
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.576
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: $751
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
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,866
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
5.163
5.125
USD
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
5.184
5.125
USD
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
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
4.683
4.625
USD
State Department Federal Credit Union
4.683%
10/15/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
5.046
5.000
USD
Northwest Federal Credit Union
5.046%
10/18/2018
5.000%
at 0.500 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
5.048
4.990
USD
Bank of Oak Ridge
5.048%
10/18/2018
4.990%
at 0.375 pts
60 day lock rate
Est payment: $1,608.63
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.907
4.875
USD
LincolnWay Community Bank
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
5.049
5.000
USD
Virginia Credit Union
5.049%
10/16/2018
5.000%
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.064
5.000
USD
Citizens Bank, NA
5.064%
10/19/2018
5.000%
at 0.250 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Langley FCU
Langley FCU
300000
Refinance
5.140
5.125
USD
Langley FCU
5.140%
10/12/2018
5.125%
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $495
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
5.085
5.000
USD
Fulton Bank, NA
5.085%
10/16/2018
5.000%
at 0.625 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
5.099
5.000
USD
Apple Federal Credit Union
5.099%
10/17/2018
5.000%
at 1.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.811
4.750
USD
TD Bank, NA
4.811%
10/19/2018
4.750%
at 0.375 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.865
4.750
USD
Bank of America
4.865%
10/17/2018
4.750%
at 0.881 pts
60 day lock rate
Est payment: $1,564.94
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.






I don't think we say this enough but if you're thinking about getting a loan or refinancing a current loan you should do so now. Home prices can decline further but I don't expect prices to come down much more since they are down as much as 50 percent in the hardest hit places.

That being said if you're thinking about buying a home and plan to be in the home a long time any more price declines can be offset by the interest savings you'll get financing a home at all-time record low rates.

If you're refinancing you should do so now before refinance rates increase again. While I don't think refi rates will go much higher anytime soon refi rates can't realistically go much lower from here.

A better option when buying or refinancing is doing it with a loan shorter than 30 years like a 15 year loan. Current mortgage rates on 15 year conforming loans are higher today averaging 2.99 percent, up from yesterday's average 15 year mortgage rate of 2.96 percent.

Today's mortgage rates are higher on 15 year conforming loans but still very low. I never thought anyone would be able to lock in a 15 year mortgage rate below 3.00 percent. There are lenders offering 15 year mortgage rates currently below the averages some as low as 2.75 percent.

30 year jumbo mortgage rates current are slightly lower today averaging 4.20 percent, down from yesterday's average 30 year jumbo rate of 4.21 percent. Jumbo refinance rates are very low, you can find some lenders even offering 30 year jumbo rates below 4.00 percent!

Mortgage rates today on 15 year jumbo loans are higher averaging 3.44 percent, an increase from yesterday's average 15 year jumbo mortgage rate of 3.43 percent.

Adjustable mortgage rates on both conforming loans and jumbo loans are also higher today. Current 5 year adjustable conforming mortgage rates on conforming loans are at 3.01 percent, up from yesterday's average of 2.99 percent. 5 year jumbo adjustable mortgage rates are averaging 2.86 percent, up from yesterday's average 5 year jumbo rate of 2.85 percent.
 
Author: Jason P. Jones
July 28th, 2012