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Mortgage Refinance Rates: 30 Year Refinance Rates as Low as 3.13% 15 Year Refi Rates as Low as 2.38%

You probably have seen the "record low mortgage rates" or 'record low refinance rates" over the past year. Average rates have increased earlier this month but are once again heading lower. Right now the current national average conforming 30 year mortgage rate is at 3.56 percent. This is rate is an average rate you can find rates above and below the average.

If you're searching for a conforming 30 year loan we have lenders advertising rates well below the average of 3.56 percent. For example, on our 30 year refinance rates list in California there are several lenders offering 30 year mortgage refinance rates at either 3.13 percent with 3.25 percent.



Residential Finance Corporation is offering 30 year refi rates at 3.13 percent with 2 mortgage points. First Internet Bank is also offering 30 year rates at 3.13 percent with 2 points. Loan Depot is offering 30 year refi rates at 3.25 percent with 1.01 points and IHL Direct is offering rates at 3.25 percent with 1 point. If you don't want to pay any points upfront IHL Direct is also offering 30 year refi rates at 3.38 percent with no points in California.

Mortgage rates today on 15 year conforming loans are averaging 2.91 percent. Right now on our 15 year mortgage refinance rates list for Texas First Internet Bank is offering 15 year refi rates at 2.38 percent with 2 mortgage points. Round Point Mortgage Company is listed offering 15 year refinancing rates at 2.50 percent with 2 points. If you don't want to pay points First Internet Bank is offering rates at 2.75 percent with zero points and Home Loan Enterprise is also offering 15 year rates at 2.75 percent with zero points.

Today's mortgage rates on 30 year jumbo mortgages are averaging 4.23 percent. Right now on our 30 year jumbo refinance rates list for Florida there are a couple of lenders offering rates below the average. Both Citi-Mortgage and Shoreline Mortgage Corporation are offering 30 year jumbo refinancing rates at 4.13 percent with zero points.

Moving onto 15 year jumbo mortgage rates we find the current national average rate is at 3.43 percent. On our 15 year jumbo refinance mortgage rates list for New Jersey we find Diamond Funding offering 15 year mortgage refi rates at 3.00 percent with 1 mortgage point. Diamond Funding is also offering 15 year jumbo rates at 3.38 percent with zero points and Investors Home Mortgage is also offering 15 year refinance rates at 3.38 percent with zero points.

You can use our mortgage rates and refinance rates list for your state to find a list of lenders offering the some of the lowest rates available. Best of all you don't have to provide any personal information to see a list rates.
 
Author: Robert Till
August 28th, 2012