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

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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.
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 mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.326
4.250
USD
Bank of America
4.326%
2/13/2019
4.250%
at 0.472 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.596
4.500
USD
Apple Federal Credit Union
4.596%
2/13/2019
4.500%
at 1.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.665
4.625
USD
Citizens Bank, NA
4.665%
2/15/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.465
4.375
USD
Virginia Credit Union
4.465%
2/19/2019
4.375%
at 0.500 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.686
4.625
USD
Fulton Bank, NA
4.686%
2/19/2019
4.625%
at 0.375 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.304
4.250
USD
Bank of Oak Ridge
4.304%
2/14/2019
4.250%
at 0.353 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.557
4.500
USD
State Department Federal Credit Union
4.557%
2/18/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.545
4.500
USD
Northwest Federal Credit Union
4.545%
2/13/2019
4.500%
at 0.500 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/19/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.662
4.625
USD
Raymond James Bank, NA
4.662%
2/19/2019
4.625%
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,299
 
 

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.






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