Mortgage Rates Today Match All-Time Record Lows

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Average fixed conforming mortgage rates today matched all-time record lows for both 30 year loans and 15 year loans in Freddie Mac's Primary Mortgage Market Survey (PMMS). In this week's survey conforming 30 year mortgage rates declined to 3.66 percent with 0.7 points for the week ending June 28, 2102, matching an all-time low set last week.

Today's mortgage rates on 15 year conforming loans declined to 2.94 percent with 0.7 points for the week ending June 28, 2012, down from last week's average 15 year rate of 2.95 percent. Current mortgage rates on 15 year home loans match an all-time low set earlier this month.
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
4.349
4.250
USD
First Internet Bank Logo
NMLS # 424182
(844) 365 - 0483
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,190
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.450
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,325
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
4.730
4.625
USD
Ally Bank Logo
NMLS # 181005
(877) 260 - 8762
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $3,349
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
4.341
4.250
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 387 - 0897
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,926
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
4.359
4.250
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,557
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
4.554
4.375
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 387 - 5986
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,234
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.309
9.125
USD
Sol Mortgage Logo
NMLS # 53112
(844) 365 - 0539
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,541
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
4.335
4.250
USD
Agora Lending Logo
NMLS # 1121650
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,728
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
4.449
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
(877) 365 - 4051
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,300
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.327
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,774
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.312
4.250
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,907
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
4.400
4.300
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 0.100 pts
45 day lock rate
Est payment: $1,484.61
Fees in APR: $3,220
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
4.564
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(844) 365 - 0630
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,583
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.630
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,509
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.719
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 387 - 5344
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,967
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
4.345
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(844) 365 - 0703
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,065
 
 
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
4.234
4.125
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 388 - 3989
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,570
 
 
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
4.625
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
(877) 365 - 4051
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Philadelphia Mortgage Advisors, Inc.
Philadelphia Mortgage Advisors, Inc.
https://www.brimg.net/system/img/inst/9280_logo.gif
300000
Refinance
4.354
4.250
USD
Philadelphia Mortgage Advisors, Inc. Logo
NMLS # 128570
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $3,665
Thanks for the 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
4.625
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
(877) 387 - 5986
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
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
4.388
4.375
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 387 - 0897
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $451
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
4.625
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
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
4.898
4.875
USD
Flagstar Bank Logo
NMLS # 417490
(877) 387 - 5344
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $777
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
4.230
4.230
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 387 - 2871
at 0.000 pts
30 day lock rate
Est payment: $1,472.31
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.499
4.490
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: $302
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
4.519
4.500
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(844) 365 - 0630
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $675
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.515
4.500
USD
First Internet Bank Logo
NMLS # 424182
(844) 365 - 0483
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $528
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
4.460
4.460
USD
Sol Mortgage Logo
NMLS # 53112
(844) 365 - 0539
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
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
(844) 365 - 0703
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $8
 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.505
4.500
USD
Republic Bank Logo
NMLS # 402606
(877) 388 - 6768
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $165
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
4.625
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
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
4.416
4.375
USD
Agora Lending Logo
NMLS # 1121650
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,447
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
4.879
4.875
USD
Ally Bank Logo
NMLS # 181005
(877) 260 - 8762
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $145
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.490
4.490
USD
LoanLock Logo
NMLS # 237507
(877) 387 - 2804
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
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
4.625
4.625
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 388 - 2721
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
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
4.404
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $1,382
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
4.511
4.500
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $379
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
4.409
4.375
USD
Aurora Financial Logo
NMLS # 35959
State Lic # MC-2967
(877) 359 - 1505
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,199
 
 
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
4.394
4.375
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 388 - 3989
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $666
 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.169
4.000
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 1.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $2,720
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
4.548
4.375
USD
Flagstar Bank Logo
NMLS # 417490
(877) 387 - 5344
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,727
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
4.261
4.125
USD
Agora Lending Logo
NMLS # 1121650
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,534
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
4.160
4.000
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
(877) 388 - 3989
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,409
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.367
4.250
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
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
9.482
9.125
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 387 - 0897
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $5,951
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
4.377
4.250
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,192
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
4.281
4.125
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC-3098
(844) 365 - 0703
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,225
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.557
9.125
USD
Sol Mortgage Logo
NMLS # 53112
(844) 365 - 0539
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,831
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
4.196
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $4,025
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.927
4.875
USD
Citizens Bank, NA
4.927%
12/7/2018
4.875%
at 0.125 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.778
4.750
USD
TD Bank, NA
4.778%
12/7/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.818
4.750
USD
Northwest Federal Credit Union
4.818%
12/12/2018
4.750%
at 0.750 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $79
 
 
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%
12/11/2018
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 Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.794
4.750
USD
Bank of Oak Ridge
4.794%
12/13/2018
4.750%
at 0.227 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.609
4.500
USD
Bank of America
4.609%
12/12/2018
4.500%
at 0.842 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.934
4.875
USD
Santander Bank, N.A.
4.934%
12/14/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
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%
12/10/2018
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 Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.820
4.750
USD
Virginia Credit Union
4.820%
12/11/2018
4.750%
at 0.250 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.926
4.875
USD
Fulton Bank, NA
4.926%
12/11/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.781
4.750
USD
LincolnWay Community Bank
4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.848
4.750
USD
Apple Federal Credit Union
4.848%
12/12/2018
4.750%
at 1.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $352
 
 

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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.






Adjustable mortgage rates were mixed in this week's survey. Average 5 year mortgage interest rates are at 2.79 percent with 0.6 points for the week ending today, up from last week's average 5 year adjustable rate of 2.77 percent. 1 year adjustable mortgage rates today are averaging 2.74 percent with 0.4 percent, unchanged from last week's average 1 year adjustable rate.

Frank Nothaft, vice president and chief economist at Freddie Mac had the following comments about this week's report:
Mortgage rates were virtually unchanged this week hovering at or near record lows and should further help to support a recovering housing market. Both the S&P/Case Shiller® 20-city composite and the Federal Housing Finance Agency’s house price indexes showed over a 0.5 percent monthly increase in April. Meanwhile, pending existing home sales rebounded in May by 5.9 percent to match a two year high and new home sales jumped 7.6 percent to its fastest pace since April 2010.

Mortgage rates and refinance rates have made a series of new lows in 2012. The future direction of rates will depend on the economy. Recent economic data released points to a slowdown in the U.S. economy. This will keep a cap on rates moving higher but don't expect rates to fall much further unless the economy contacts.

30 year conforming mortgage rates today are averaging 3.63 percent on our rate tables. This average rate on our table is down from last week's average of 3.64 percent. 30 year jumbo mortgage rates are averaging 4.26 percent today which is also down 1 basis point from last week's average rate.
 
Author: Brian McKay
June 28th, 2012