Mortgage Rates: Today’s Mortgage Interest Rate

Mortgage Rates: In the latest survey, today's mortgage interest rates continue to come back down from the recent highs set last month.  The decline in home mortgage rates has been brought on by a decline in 10-year Treasury prices now at 3.33 percent, also down from a recent high nearing 4.00 percent.

Treasury prices are lower because economists now believe the world economic recovery might take longer to play-out and the rebound won't be as robust as was recently thought. As a result, mortgage home rates have been drifting back down the past month.

Today's Mortgage Interest Rate

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are MRC's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #2059741

4.764%

15-Year Fixed

4.625%

$3,708

Includes 0.927 points for $3,708

Lender Fees: $0

$3,086 /mo

Next >

NMLS #2473786

4.779%

15-Year Fixed

4.625%

$4,119

Includes 0.756 points for $3,024

Lender Fees: $1,095

$3,086 /mo

Next >

NMLS #757416

4.894%

15-Year Fixed

4.750%

$3,836

Includes 0.959 points for $3,836

Lender Fees: $0

$3,112 /mo

Next >

NMLS #2473786

4.972%

5-Year ARM

4.875%

$4,451

Includes 0.839 points for $3,356

Lender Fees: $1,095

$2,117 /mo

Next >

NMLS #1928741

4.987%

15-Year Fixed

4.875%

$2,960

Includes 0.740 points for $2,960

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1312186

5.007%

15-Year Fixed

4.875%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,138 /mo

Next >

NMLS #6606

5.260%

15-Year Fixed

5.125%

$3,548

Includes 0.887 points for $3,548

Lender Fees: $0

$3,190 /mo

Next >

NMLS #1312186

5.336%

5-Year ARM

5.250%

$3,868

Includes 0.967 points for $3,868

Lender Fees: $0

$2,209 /mo

Next >

NMLS #2059741

5.573%

30-Year Fixed

5.490%

$3,700

Includes 0.925 points for $3,700

Lender Fees: $0

$2,269 /mo

Next >

NMLS #2473786

5.587%

30-Year Fixed

5.490%

$4,295

Includes 0.800 points for $3,200

Lender Fees: $1,095

$2,269 /mo

Next >

NMLS #757416

5.687%

30-Year Fixed

5.625%

$2,744

Includes 0.686 points for $2,744

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1928741

5.700%

30-Year Fixed

5.625%

$3,296

Includes 0.824 points for $3,296

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1312186

5.842%

30-Year Fixed

5.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,335 /mo

Next >

NMLS #6606

5.958%

30-Year Fixed

5.875%

$3,592

Includes 0.898 points for $3,592

Lender Fees: $0

$2,367 /mo

Next >

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.

30-year fixed rate home mortgages averaged 5.20 percent this week with an average 0.7 point this week, down from the prior week's average of 5.32 percent according to Freddie Mac's Primary Mortgage Market Survey.

This week's survey has 15-year fixed mortgage home rates at 4.69 percent with an average 0.7 point, down from the previous week's average mortgage interest rate of 4.77 percent.  Last year's average 15-year fixed rate mortgage was nearing 6.00 percent at 5.91 percent.

Current Adjustable Mortgage Rates

Adjustable rate mortgages were also down in this week's mortgage survey. The average rate on a five year adjustable rate mortgage (ARM) is 4.82 percent, with an average 0.6 point, down from the prior week's average rate of 4.88 percent. One year adjustable mortgage rates (ARMs) also averaged 4.82 percent this week with an average 0.6 point, down from the prior week's average rate of 4.94 percent.

Jumbo Mortgage Rates

The weekly PMM survey doesn't include jumbo mortgage rates because Freddie Mac only reports on mortgages it purchases from banks that issue home mortgage loans. Known as "conforming loans," these loans have a certain dollar limit per county of the United States. You can find current jumbo mortgage rates in your zip code by using our mortgage rate tables.

You can also find current conforming mortgage rates, adjustable rate mortgages, mortgage refinance rates, home equity loans rates and home equity line of credit rates and by zip code.

Search for Mortgage Rates By Zip Code