Refinancing a Mortgage from an ARM to a Fixed Rate MortgageDo you have an adjustable rate mortgage (ARM) coming up? Now would be a good time to lock in a 30 year mortgage or 15 year mortgage at these historic low mortgage rates. Adjustable rate mortgages are also low these days but you run the risk of having to refinance again at a later date when rates might not be as low anymore. 30 year fixed conforming mortgage rates are around 5 percent. You can also find mortgage rates under 5 percent at certain banks and lending institutions. 15 year mortgage rates can be had for under 4.5 percent, an even better lock if you can afford the extra mortgage principal payments each month. If you are a homeowner who has good credit, payed your mortgage on time but are not able to refinance to take advantage of today's lower mortgage rates because the value of your home has decreased? Well you can still refinance into a fixed rate mortgage. The Making Home Affordable Refinance website (government site) will help borrowers whose loans are held by Fannie Mae for Freddie Mac to refinance into a more affordable mortgage. Lender
APR / Rate
Fees / Points
Payment
 NMLS #1835285
5.315%
15-Year Fixed
5.125%
$5,000
Includes 0.750 points for $3,000
Lender Fees: $2,000
$3,190 /mo
 NMLS #401822
5.554%
15-Year Fixed
5.250%
$8,000
Includes 1.000 points for $4,000
Lender Fees: $4,000
$3,216 /mo
 NMLS #2059741
5.626%
15-Year Fixed
5.490%
$3,536
Includes 0.884 points for $3,536
Lender Fees: $0
$3,267 /mo
 NMLS #1025894
5.756%
15-Year Fixed
5.625%
$3,404
Includes 0.676 points for $2,704
Lender Fees: $700
$3,295 /mo
 NMLS #6606
5.884%
15-Year Fixed
5.740%
$3,732
Includes 0.933 points for $3,732
Lender Fees: $0
$3,320 /mo
NMLS #1835285
6.356%
30-Year Fixed
6.250%
$4,500
Includes 0.625 points for $2,500
Lender Fees: $2,000
$2,463 /mo
NMLS #1835285
6.513%
5-Year ARM
6.375%
$5,804
Includes 0.951 points for $3,804
Lender Fees: $2,000
$2,496 /mo
NMLS #2059741
6.569%
30-Year Fixed
6.490%
$3,312
Includes 0.828 points for $3,312
Lender Fees: $0
$2,526 /mo
NMLS #1025894
6.721%
30-Year Fixed
6.625%
$3,956
Includes 0.814 points for $3,256
Lender Fees: $700
$2,562 /mo
NMLS #401822
6.770%
30-Year Fixed
6.625%
$5,995
Includes 1.000 points for $4,000
Lender Fees: $1,995
$2,562 /mo
 NMLS #3030
6.889%
15-Year Fixed
6.750%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$3,540 /mo
NMLS #6606
6.960%
30-Year Fixed
6.875%
$3,468
Includes 0.867 points for $3,468
Lender Fees: $0
$2,628 /mo
NMLS #3030
7.589%
30-Year Fixed
7.500%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$2,797 /mo
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
You can refinance up to 105% of the value of your home. You mortgage payments must be current on your existing mortgage. Explore Other Mortgage and Refinance Offers
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