Refinance Mortgage Rates: 30 Year Refinance Rates at 5.09%, 15 Year Refinance Rates at 4.39%

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refinance-mortgage-rates-30-year-refinance-rates-at-509-15-year-refinance-rates-at-439Refinance rates increased this week, after several weeks of declines. Fixed conforming 30 year refinance mortgage rates are averaging 5.09%, up from the prior week's average refinance rate of 4.95%. This is the first time in several weeks 30 year refinance rates are back above 5.00%.

Fixed jumbo mortgage refinance rates are also up this week, current 30 year jumbo refinance rates are averaging 5.85%, up from last week's average mortgage refinance rate of 5.62%.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.125
4.125
USD
Better.com Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: None
Thank you for your quote. 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.291
4.250
USD
The Guilford Savings Bank
4.291%
4/19/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.276
4.250
USD
United Bank
4.276%
4/16/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.399
4.375
USD
Union Savings Bank
4.399%
4/12/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.169
4.125
USD
Liberty Bank
4.169%
4/19/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.536
4.500
USD
UniBank for Savings
4.536%
4/19/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.365
4.250
USD
Bank of America
4.365%
4/15/2019
4.250%
at 0.903 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.403
4.375
USD
Citizens Bank, NA
4.403%
4/19/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.397
4.375
USD
Savings Bank of Danbury
4.397%
4/19/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.154
4.125
USD
TD Bank, NA
4.154%
4/16/2019
4.125%
at 0.000 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.155
4.125
USD
The Washington Trust Company
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.575
4.500
USD
First National Bank of Omaha
4.575%
4/19/2019
4.500%
at 0.625 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $752
 
 

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.






Mortgage rates and refinance rates are expected to go higher in the next several months when the Federal Reserve stops buying mortgage-backed securities by the end of March 2010. If you're thinking about refinancing, now is a good time to do so.

Looking for mortgage refinance rates? Use our mortgage rate tables to find current refinance rates. Mortgage Refinance Rates.

Refinance Mortgage Rates


The average conforming 30 year mortgage refinance rate is back above 5.00 percent at 5.09 percent, up from last week’s average home refinance rate of 4.95 percent. FHA refinance rates are even lower than conforming refinance rates.

15 year conforming loan refinance rates are averaging 4.39 percent this week, an increase from last week’s home loan refinance rate of 4.34 percent.

Jumbo Refinance Mortgage Rates


Fixed 30-year jumbo refinance rates are averaging 5.85% this week, up from the prior week’s average refinance home loan rate of 5.64%.

15 year jumbo refinance home mortgage rates are averaging 5.07% this week, up from the previous week’s average refinance loan rate of 5.05%.

Adjustable Refinance Mortgage Rates


1 year adjustable refinance loans are averaging 4.26%, a decrease from last week when 1 year refinance mortgage rates averaged 4.67%.

The average conforming 3 year adjustable refinance rate is at 4.61% this week, an increase from last week’s mortgage loan refinance rate of 4.59%.

Conforming 5 year adjustable interest mortgage rates are averaging 4.05% this week, unchanged from the previous week’s average mortgage interest rate. The average 5 year mortgage refinance is also unchanged this week at 4.05%.

The average 7 year conforming mortgage refinance rate is at 4.60%, up from last week’s average mortgage refinance rate of 4.47%.

The average 10 year refinance mortgage rate is at 4.79%, down from last week's equity refinance rate of 4.90%.

Jumbo Refinance Adjustable Mortgage Rates


The average 1 year jumbo adjustable refinance rate is at 5.59%, unchanged from the prior week’s average refinance rate. Right now some of the best refinance rates are 1 year adjustable rates.

The average refinance rate for a 3 year jumbo loan is at 5.44% this week, up from the prior week's average adjustable refinance loan rate of 5.27%.

The average 5 year jumbo refinance interest rate is at 4.76% this week, up from last week’s average refinance bank rate of 4.69%.

7 year jumbo refinance home loans are averaging 5.80% this week, up from the previous week’s average refinance home loan rate of 5.61%.

The average 10 year home refinance rate is at 5.99%, up from the prior week’s when 10 year home refinance rates averaged 5.92%.

Looking for refinancing rates? The best refinance rates can be found in your state by searching our refinance rate tables. Refinance Rates

 
Author: Brian McKay
February 23rd, 2010