Mortgage Rates: Today’s Mortgage Interest Rates, 30 Year Mortgage Rates at 5.01%, 15 Year Mortgage Rates at 4.35%

Mortgage rates were down again this past week. Fixed conforming mortgage rates and fixed jumbo mortgage rates were down. Conforming 30 year mortgage rates are closing in on 5.00 and jumbo 15 year mortgage rates are also headed towards 5.00 percent.

Mortgage rates have been heading down for several weeks now, after several weeks of increases. The markets are worried the economy won't grow fast enough to drive the unemployment rate down that quickly, unlike previous recoveries.

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

4.767%

15-Year Fixed

4.625%

$3,788

Includes 0.947 points for $3,788

Lender Fees: $0

$3,086 /mo

Next >

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

Next >

NMLS #1025894

4.881%

15-Year Fixed

4.750%

$3,468

Includes 0.867 points for $3,468

Lender Fees: $0

$3,112 /mo

Next >

NMLS #757416

4.897%

15-Year Fixed

4.750%

$3,908

Includes 0.977 points for $3,908

Lender Fees: $0

$3,112 /mo

Next >

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

Next >

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

Next >

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

Next >

NMLS #1928741

4.980%

15-Year Fixed

4.875%

$2,788

Includes 0.697 points for $2,788

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1312186

5.026%

15-Year Fixed

4.875%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,138 /mo

Next >

NMLS #6606

5.139%

15-Year Fixed

4.990%

$3,936

Includes 0.984 points for $3,936

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1312186

5.338%

5-Year ARM

5.250%

$3,952

Includes 0.988 points for $3,952

Lender Fees: $0

$2,209 /mo

Next >

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

Next >

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

Next >

NMLS #2059741

5.571%

30-Year Fixed

5.490%

$3,580

Includes 0.895 points for $3,580

Lender Fees: $0

$2,269 /mo

Next >

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

Next >

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

Next >

NMLS #757416

5.689%

30-Year Fixed

5.625%

$2,804

Includes 0.701 points for $2,804

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1928741

5.697%

30-Year Fixed

5.625%

$3,184

Includes 0.796 points for $3,184

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1025894

5.811%

30-Year Fixed

5.750%

$2,664

Includes 0.666 points for $2,664

Lender Fees: $0

$2,335 /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 #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

Next >

NMLS #6606

5.961%

30-Year Fixed

5.875%

$3,732

Includes 0.933 points for $3,732

Lender Fees: $0

$2,367 /mo

Next >

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

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.

A higher unemployment rate will keep inflation pressures in check which will keep interest rates down.

Looking for current mortgage rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Find Today's Mortgage Interest Rates.

Today's Mortgage Interest Rates

The average conforming 30 year mortgage interest rate is at 5.01 percent this week, down from last week's average home loan rate of 5.05 percent.

15 year conforming mortgage interest rates are at 4.35 percent this week, down from the prior week's average interest rate of 4.40 percent.

Fixed Jumbo Mortgage Rates

Fixed 30-year jumbo home loan rates are averaging 5.65% this week, down from the previous week’s average jumbo mortgage rate of 5.74%.

Fixed 15 year jumbo home loans are averaging 5.11% this week, down from last week's average jumbo loan rate of 5.21%.

Conforming Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage rates are averaging 4.25% this week, up from last week's average 1 year home loan rate of 4.23%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.40%, down from last week’s average home loan rate of 4.42%.

Conforming 5 year adjustable mortgage rates are averaging 4.16% this week, up from the previous week’s average interest rate of 4.14%.

Conforming 7 year adjustable mortgage rates are averaging 4.40%, down from last week’s average loan rate of 4.59%.

Conforming 10 year mortgage rates are averaging 4.88%, down from the previous week’s average mortgage rate of 4.99%.

Adjustable Jumbo Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 5.65% this week, up from the prior week’s average home mortgage loan rate.5.30%.

The average jumbo 3-year jumbo ARM is at 5.05% this week, down from last week’s average adjustable home loan rate of 5.25%.

5 year jumbo ARMs are averaging 4.76% this week, down from the prior week’s average home interest mortgage rate 0f 4.91%.

7 year jumbo ARMs are averaging 5.50% this week, up from last week’s average loan mortgage rate of 5.44%.

The average 10 year jumbo mortgage rate is at 5.83%, down from the prior week’s average 10 year mortgage rate of 5.92%.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.60% this week, up from the prior week’s average interest rate of 4.59%.

5 year interest only loans are averaging 4.27% this week, down from last week’s average five year interest only mortgage rate of 4.31%.

7 year interest only home loans are averaging 4.62% this week, down from last week’s average interest rate of 4.75%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.55% this week, down from last week’s jumbo interest mortgage rate of 5.58%.

5 year jumbo IO loan rates are averaging 5.32%, up from the prior week’s average IO mortgage rate of 4.91%.

The average jumbo 7 year IO loan mortgage rate is at 6.05%, up from last week’s average jumbo rate of 5.85%.

Home Equity Loans Rates

The average home equity loan rate was down this week over last. 10 year home equity loan rates decreased to 7.357% this week, down from last week’s average equity home loan rate of 7.416%. 15 year home equity rates are down to 7.5172%, down from the prior week's average home equity rate of 7.517%.

Home Equity Line of Credit (HELOC) Rates

Average home equity line of credit rates were down this week over last. The average HELOC rate is at 4.669% this week, down from last week’s average HELOC rate of 4.905%.

Looking for mortgage interest rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Mortgage Interest Rates