Today’s Mortgage Rates Lower: 30 Year Mortgage Refinance Rates at 3.43 Percent

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Today's mortgage rates moved lower following the downtrend of the past week. Average 30 year mortgage refinance rates are at 3.43 percent, a decline from Friday's average 30 year mortgage rate of 3.46 percent. Average 30 year mortgage rates have hit another record low today and will make new lows in the coming months. You can already find lenders offering 30 year mortgage interest rates below the averages.

Right now on our 30 year refinance rates list for the state of New Jersey there are several home loan lenders offering 30 year rates below the average with points and without points. First Internet Bank is offering 30 year refinance rates in New Jersey at 3.125 percent with 2 mortgage points. If you are looking for a low refinance rate without having to pay any points Seckel Capital is listed as offering 30 year refinance rates in NJ at 3.25 percent with no points.
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 Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.450
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,325
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.720
4.625
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $2,998
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.359
4.250
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,557
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.554
4.375
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,234
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.309
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,541
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.449
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,300
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.332
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,960
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.400
4.300
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,484.61
Fees in APR: $3,220
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.564
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,583
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.630
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,509
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.719
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,967
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.625
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.625
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.625
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.898
4.875
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $777
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Commonwealth Mortgage, LLC
Commonwealth Mortgage, LLC
https://www.brimg.net/system/img/inst/5071_logo.gif
300000
Refinance
4.230
4.230
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 387 - 2871
at 0.000 pts
30 day lock rate
Est payment: $1,472.31
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.519
4.500
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $675
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.460
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.506
4.500
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $219
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.625
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.875
4.875
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.490
4.490
USD
LoanLock Logo
NMLS # 237507
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.625
4.625
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.490
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.511
4.500
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $379
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.548
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,727
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.367
4.250
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $825
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.377
4.250
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,192
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.557
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,831
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.264
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $1,979
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.927
4.875
USD
Citizens Bank, NA
4.927%
12/7/2018
4.875%
at 0.125 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.609
4.500
USD
Bank of America
4.609%
12/12/2018
4.500%
at 0.842 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.926
4.875
USD
Fulton Bank, NA
4.926%
12/11/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.778
4.750
USD
TD Bank, NA
4.778%
12/7/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.848
4.750
USD
Apple Federal Credit Union
4.848%
12/12/2018
4.750%
at 1.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.818
4.750
USD
Northwest Federal Credit Union
4.818%
12/12/2018
4.750%
at 0.750 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.683
4.625
USD
State Department Federal Credit Union
4.683%
12/10/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.781
4.750
USD
LincolnWay Community Bank
4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.794
4.750
USD
Bank of Oak Ridge
4.794%
12/13/2018
4.750%
at 0.227 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.820
4.750
USD
Virginia Credit Union
4.820%
12/11/2018
4.750%
at 0.250 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
12/11/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.934
4.875
USD
Santander Bank, N.A.
4.934%
12/13/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $2,004
 
 

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.






Also on our 30 year mortgage rates list in California there are many lenders offering rates below the average. AmericanInterback.com Mortgage Bankers is offering 30 year California refinance rates at an incredibly low rate of 2.75 percent with 2 mortgage points. Wow, can you believe that? A 30 year refinance rate below 3.00 percent. If you rather not pay any points AmericanInterback.com Mortgage Bankers is also offering 30 year refinancing rates at 3.00 percent with no points in CA.

Moving onto our 30 year Texas mortgage rates list we have LenderFi offering 30 year refi rates at 3.00 percent with 1.25 mortgage points. If you don't want to pay points we have Home Finance of America offering 30 year refinance rates in Texas at 3.25 percent with no points.

30 year mortgage refinance rates in Florida can also be found below the national average rate. Right now LenderFi is offering 30 year Florida refinance rates at 3.00 percent with 1.25 mortgage points. Without points we also have Home Finance of America offering 30 year FL refi rates at 3.25 percent with no points.

Average 15 year mortgage rates today are also down from Friday's average mortgage rate and have also hit a record low. Current mortgage rates on 15 year conforming mortgage loans are averaging 2.85 percent, a decline from Friday's average 15 year mortgage rate of 2.88 percent.

On our 15 year mortgage refinance rates list you can also find lenders offering 15 year refinance rates below the average of 2.85 percent. Currently on our 15 year conforming mortgage rates list in Ohio there are many home loan lenders offering rates below the average.

Right now Roundpoint Mortgage Company is offering 15 year refinance rates at 2.50 percent with 2 mortgage points. If you don't want to pay any mortgage points on a home loan Dollar Bank FSB is offering 15 year refinance rates at 2.625 percent with no points.

Other lenders offering 15 year conventional refinance rates below the average in other states include Vandyk Mortgage offering 15 year conventional refi rates in Georgia at 2.50 percent with zero mortgage points. In the state of Illinois Roundpoint Mortgage Company is offering 15 year refi rates at 2.50 percent with 2 points.
 
Author: Brian McKay
October 1st, 2012