Mortgage Rates: Current Mortgage Interest Rates @ 4.85%- December 1, 2009

Current mortgage interest rates are mixed to slightly lower compared to yesterday's average mortgage interest rates. 30 year conventional mortgage rates are unchanged and 15 year conventional mortgage rates are down slightly compared to yesterday.

Find the Best Mortgage Rates in your state or zip code by using our Mortgage Rate Tables: Search Mortgage Rate Tables Here

Average 30 year jumbo mortgage rates are at 5.66 percent, up slightly from yesterday's average mortgage interest rate of 5.65 percent. 15 year jumbo mortgage rates are up to 5.16 percent, up from yesterday's average mortgage interest rate of 5.12 percent.

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 ICB'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 #2006915

License: 60DBO-149268

5.582%

15-Year Fixed

5.375%

$5,417

Includes 0.868 points for $3,472

Lender Fees: $1,945

$3,242 /mo

Next >

NMLS #1835285

5.645%

15-Year Fixed

5.500%

$3,772

Includes 0.943 points for $3,772

Lender Fees: $0

$3,269 /mo

Next >

NMLS #401822

5.661%

15-Year Fixed

5.375%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,242 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,616

Includes 0.979 points for $3,916

Lender Fees: $700

$3,267 /mo

Next >

NMLS #2326098

License: 60DBO-181478

5.674%

15-Year Fixed

5.500%

$4,725

Includes 0.693 points for $2,772

Lender Fees: $1,953

$3,269 /mo

Next >

NMLS #2059741

5.728%

15-Year Fixed

5.500%

$5,960

Includes 0.990 points for $3,960

Lender Fees: $2,000

$3,269 /mo

Next >

NMLS #757416

5.746%

15-Year Fixed

5.625%

$3,136

Includes 0.784 points for $3,136

Lender Fees: $0

$3,295 /mo

Next >

NMLS #2627028

5.782%

15-Year Fixed

5.625%

$4,171

Includes 0.720 points for $2,880

Lender Fees: $1,291

$3,295 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.505%

5-Year ARM

6.375%

$5,641

Includes 0.922 points for $3,688

Lender Fees: $1,953

$2,496 /mo

Next >

NMLS #2006915

License: 60DBO-149268

6.507%

5-Year ARM

6.375%

$5,565

Includes 0.905 points for $3,620

Lender Fees: $1,945

$2,496 /mo

Next >

NMLS #1835285

6.572%

30-Year Fixed

6.500%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,529 /mo

Next >

NMLS #757416

6.589%

30-Year Fixed

6.500%

$3,696

Includes 0.924 points for $3,696

Lender Fees: $0

$2,529 /mo

Next >

NMLS #1835285

6.590%

5-Year ARM

6.500%

$3,740

Includes 0.935 points for $3,740

Lender Fees: $0

$2,529 /mo

Next >

NMLS #2561451

6.600%

30-Year Fixed

6.490%

$4,655

Includes 0.665 points for $2,660

Lender Fees: $1,995

$2,526 /mo

Next >

NMLS #2006915

License: 60DBO-149268

6.618%

30-Year Fixed

6.500%

$4,945

Includes 0.750 points for $3,000

Lender Fees: $1,945

$2,529 /mo

Next >

NMLS #2059741

6.628%

30-Year Fixed

6.490%

$5,772

Includes 0.943 points for $3,772

Lender Fees: $2,000

$2,526 /mo

Next >

NMLS #1025894

6.727%

30-Year Fixed

6.625%

$4,204

Includes 0.876 points for $3,504

Lender Fees: $700

$2,562 /mo

Next >

NMLS #399799

6.728%

30-Year Fixed

6.625%

$4,416

Includes 0.772 points for $3,088

Lender Fees: $1,328

$2,562 /mo

Next >

NMLS #2627028

6.729%

30-Year Fixed

6.625%

$4,391

Includes 0.775 points for $3,100

Lender Fees: $1,291

$2,562 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.740%

30-Year Fixed

6.625%

$4,941

Includes 0.747 points for $2,988

Lender Fees: $1,953

$2,562 /mo

Next >

NMLS #401822

6.758%

30-Year Fixed

6.625%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #3030

6.889%

15-Year Fixed

6.750%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,540 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,797 /mo

Next >

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.

Current mortgage interest rates are expected to remain low until the end of 2009. The direction of interest rates in 2010 will be higher since bank rates are so low right now and the Fed will stat raising rates in the new year.

Current Mortgage Rates

The average 30 year mortgage rate is unchanged at 4.85 percent today. Average 30 year rates are near an all time low of 4.84 percent set in May of 2009.

The average 15 year mortgage rate is down to 4.34 percent today, down from the prior day's average mortgage loan rate of 4.35 percent. Average 15 year home loan rates continue to make new lows daily.

Jumbo Rate Mortgages

Average 30 year jumbo mortgage rates are at 5.66, up from yesterday's average loan rate of 5.65 percent.

Average 15 year jumbo mortgage rates are at 5.16 percent, up from the previous day's average interest rate on a 15 year mortgage of 5.12 percent.

Adjustable Rate Mortgages

The average one year adjustable rate mortgage is at 4.11 percent, unchanged from the previous day's average one year home loan interest rate.

The average three year adjustable mortgage rate is at 4.27 percent today, up from the prior day's average rate for a three year mortgage loan of 4.20 percent.

The average five year mortgage interest rate is at 4.09 percent, down from yesterday's average home loan interest rate of 4.11 percent.

Average mortgage rates on a seven year ARM is at 4.46 percent today, down from the prior average home bank loan rate of 4.52 percent.

The average rate on a ten year ARM is at 4.79 percent, down from yesterday's average 10 year mortgage rate of 4.86 percent.

Jumbo Adjustable Rate Mortgages

The average one year jumbo adjustable rate mortgage is at 5.48 percent, unchanged from yesterday's average home loan interest rate.

The average three year jumbo loan rate is at 5.40 percent this week, unchanged from yesterday's average three year mortgage interest rate.

Currently, five year jumbo rates are at 5.43 percent, up from the prior day's average home mortgage loan rate 0f 5.41 percent.

Current seven year mortgage rates are averaging 5.44 percent, up from yesterday's average mortgage loan interest rate of 5.39 percent.

10 year mortgage rates are averaging 6.61 percent, down from the prior day's average mortgage loan rate of 6.65 percent.

Interest Only Mortgages (IO Mortgages)

The average three year interest only mortgage loan rate is at 4.39 percent, down slightly from the previous day's home loan rate of 4.40 percent.

The average five year IO mortgage loan rate is at 4.20 percent, down from yesterday's five year mortgage interest rate of 4.23 percent.

The average seven year interest-only mortgage rate is at 4.62 percent today, down from the prior day's average interest rate of 4.71 percent.

Jumbo Interest Only Mortgages

Average three year jumbo interest-only mortgage rates are at 5.52 percent, down from yesterday's average mortgage rate of 5.53 percent.

Average five year jumbo IO mortgages are currently at 6.00 percent, up from the prior day's average IO mortgage interest rate of 5.97 percent.

Average seven year jumbo IO mortgage rates are at 5.74 percent, up from the previous day's average jumbo rate of 5.66 percent.

Home Equity Loan Rates

Average rates on a 10 year home equity loan are at  7.492 percent, down fractionally from yesterday's average equity home loan rate of 7.494 percent.

Average 15 year home equity rates are at 7.622 percent today, down from yesterday's average home equity loan rate of 7.624 percent.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates are unchanged at 4.904 percent today.

Current mortgage rates, including jumbo rates, can be found in your state or zip code by searching our bank mortgage rate tables. Find Mortgage Rates Here

Real Estate Agents, keep your website and clients up to date with current mortgage rates (rates listed by state) by using our Mortgage Rates Widgets on our website. Your clients will be able to get current mortgage quotes from various lenders.