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Compare Current Mortgage Rates Today from Lenders Below. Our List of Mortgage Rates is Updated Every Day
 

Mortgage Rates

| Compare Current Mortgage Rates Today

Search for today's mortgage rates for home loans to buy a home or refinance a mortgage. You can compare rates today from several lenders by searching in your state below. The current mortgage rates displayed are for a refinance loan in the amount of $250,000. Change the search form to get your own mortgage loan quotes from several different lenders without providing any personal information. When comparing rates you will also see the annual percentage rate (APR) which is higher than the interest rate because fees and points are calculated into the rate. Your FICO score and the down payment on a home purchase or percent equity in your home on a refinance will also determine the rates you are quoted.

Mortgage Rates Updated Sat Apr 30, 2016
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 08601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Sebonic Financial Logo
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $718
tbd 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $495
 
Next button
at 0.125 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
Next button
Sebonic Financial Logo
at 0.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $2,956
tbd 
 
Next button
Sebonic Financial Logo
at 1.100 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: $2,080
tbd 
 
Next button
at 1.125 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
Next button
Audubon Savings Bank

3.292%
4/28/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $580
 
 
Shore Community Bank

3.324%
4/28/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,018
 
 
Somerset Savings Bank, SLA

2.906%
4/26/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Manasquan Savings Bank

3.169%
4/26/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $606
 
 
Metuchen Savings Bank

3.080%
4/26/2016
3.000%
at 0.500 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $108
 
 
OceanFirst Bank

3.156%
4/26/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $432
 
 
Amalgamated Bank

3.234%
4/28/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $1,504
 
 
IAB Financial Bank

3.310%
4/27/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $828
 
 
Millington Savings Bank

3.273%
4/28/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $316
 
 
LincolnWay Community Bank

2.953%
4/27/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $1,085
 
 
Magyar Bank

3.000%
4/26/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
 
Kearny Bank

3.014%
4/26/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $200
 
 
Proponent Federal Credit Union

3.192%
4/29/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $924
 
 
HSBC Bank USA, N.A.

3.081%
4/27/2016
3.030%
at 0.000 pts
60 day lock rate
Est payment: $1,384.05
Fees in APR: $705
 
 
TD Bank, NA

3.197%
4/29/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $997
 
 
Santander Bank, N.A.

3.135%
4/29/2016
2.990%
at 0.000 pts
60 day lock rate
Est payment: $1,380.20
Fees in APR: $2,004
 
 
Raymond James Bank, NA

3.474%
4/26/2016
3.375%
at 0.000 pts
45 day lock rate
Est payment: $1,417.52
Fees in APR: $1,354
 
 
Fulton Bank of New Jersey

3.183%
4/25/2016
3.125%
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $807
 
 
Citizens Bank

3.176%
4/29/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $703
 
 
Valley National Bank

3.042%
4/29/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $577
 
 
Financial Resources Federal Credit Union

3.037%
4/29/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $510
 
 
United Teletech Financial

3.057%
4/28/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Affinity FCU

3.007%
4/29/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $97
 
 
Regent Bank

2.944%
4/28/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $955
 
 
Credit Union of New Jersey

3.011%
4/29/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $147
 
 

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.




Sebonic Financial is quoting competitive 30 year mortgage rates that are 20 basis points below the current average 30 year rate. Sebonic Financial is currently offering 30 year conforming mortgage rates at 3.375 percent with 2 mortgage points. Average 30 year mortgage rates today are at 3.68 percent. Sebonic is also quoting 30 year rates at 3.50 percent with 1 mortgage point.

Mortgage points allow the borrower to buy down the mortgage rate by paying money upfront. 1 mortgage point is equal to 1 percent of the loan amount. The more points you’re willing to pay upfront, the lower the mortgage rate you will receive.

Sebonic is also quoting conforming 15 year rates below the average 15 year rate. Today’s 15 year mortgage rates are averaging 2.79 percent. Sebonic is quoting 15 year rates at 2.625 percent with 2 points and at 2.75 percent with 1 mortgage point.

Cardinal Financial Company is doing business as Sebonic Financial. The company was formed in Pennsylvania in 1987 and is currently based in Charlotte, North Carolina. You can view more information about the company in the NMLS Consumer Access database. The company’s NMLS ID is 66247.

Author: Brian McKay
April 29th, 2016

Annie Mac, a d/b/a of American Neighborhood Mortgage Acceptance Company LLC, is a limited liability corporation, not a government sponsored entity (GSE) such as Freddie Mac and Fannie Mae. We mention this so you’re not confused and take Annie Mac as a GSE.

Average 15 year conforming mortgage rates are at the historically low rate of 2.82 percent. The average 15 year rate is down from last week’s average of 2.85 percent. The lowest 15 year conforming rate available on our rate table is from Annie Mac at 2.49 percent with 1.94 points. You can search for 15 year rate in our state by using our rate list at MortgageRates.RatesORama.com.

Mortgage rates are still low these days and will remain low for the rest of 2016. This is good news if you’re thinking about buying a home or refinancing a mortgage. Low mortgage rates make buying a home more affordable than it would be if rates were higher. Likewise, refinancing to a lower rate can lower your monthly payments and save you tens of thousands of dollars in interest payments.

Annie Mac is headquartered in Mount Laurel, New Jersey, and does business in many states nationwide (NMLS number 338923). You can see state specific licensing information at Annie Mac Licensing.

In addition to quoting very competitive 15 year rates, Annie Mac is also quoting 30 year conforming mortgage rates at 3.25 percent with 1.251 mortgage points. Annie Mac’s 30 year rates are below the current average 30 year mortgage rate of 3.72 percent. Annie Mac is also quoting 30 year rates at 3.625 percent with no mortgage points.

If you’re searching for an adjustable mortgage rate, Annie Mac is offering the best adjustable rates on our list right now. 7/1 year adjustable refinance rates are quoted at 2.625 percent with 1.966 points. 5/1 adjustable rates are quoted at 2.25 percent with 1.224 points. You can find out more about Annie Mac mortgages by going to their website at Annie-Mac.com.

Author: Brian McKay
March 30th, 2016

Current mortgage rates at Capital One, N.A., (NMLS ID 453156) are very competitive. Capital One’s mortgage rates are competitive for both fixed and adjustable loans for amounts. Loan amounts are available for up to $2.5 million. Depending on the borrower’s circumstances, the debt-to-income ratio (DTI)* on a Capital One mortgage can be as high as 50 percent. Most lenders have a DTI max of 43 to 45 percent.

*Debt-to-income ratio is how much of your monthly income (before taxes) goes towards paying off your debt. Your monthly mortgage payment with taxes and insurance is included in the calculation. Payments also include credit card payments, car loan payments, student loan payments, child support payments, alimony payments and any payments related to legal judgments.

Listed below are Capital One mortgage rates quoted on March 7, 2016. These quoted rates are for a loan-to-value (LTV) of 60 percent.

Capital One Mortgage Rates

Mortgage Loans up to $417,000

  • 30 Year Rates 3.75%
  • 15 Year Rates 3.00%
  • 7/1 ARM 3.125%
  • 5/1 ARM 2.875%

Mortgage Loans $417,001 to $625,500

  • 30 Year Rates 3.625%
  • 15 Year Rates 3.00%
  • 7/1 ARM 3.375%
  • 5/1 ARM 3.00%

Mortgage Loans $625,500 to $2,500,000

  • 30 Year Rates 3.625%
  • 15 Year Rates 3.25%
  • 7/1 ARM 2.625%
  • 5/1 ARM 2.875%

To see how Capital One mortgage rates compare with other lender’s rates, search our mortgage rate lists.

Author: Brian McKay
March 7th, 2016

Mortgage rates, which are already near record lows, will fall further in the coming days because of tumbling 10 year U.S. Treasury yields. 10 year bond yields are down another 9 basis points today to 1.65 percent. At the end of 2015, yields were around 2.30 percent.

During the same period, average 30 year mortgage rates have fallen from 3.90 percent down to today’s average rate of 3.67 percent. The lowest quoted 30 year mortgage rates available on our rate list today are at 3.25 percent with 1 mortgage point. By the end of the week, average 30 year rates will fall towards 3.50 percent and the lowest quoted rates will be around 3.125 percent.

Average 15 year mortgage rates are currently at 2.80 percent, a decline from the prior week’s average 15 year rate of 2.88 percent. The lowest quoted 15 year refinance rates on our rate list are at 2.50 percent with 2 mortgage points and at 2.625 percent with no points.

30 year jumbo mortgage rates today are averaging 4.09 percent, a decline from the previous week’s average 30 year jumbo rate of 4.19 percent. The lowest 30 year jumbo refinance rates on our rate list are below the average at 3.125 percent with 1.10 points and at 3.50 percent with no points.

Today’s mortgage rates on 15 year jumbo loans are averaging 3.73 percent, down from last week’s average 15 year jumbo rate of 3.85 percent. The best 15 year jumbo refinance rates on our rate list are about 1.00 percent lower than the average at 3.75 percent with no points.

Author: Brian McKay
February 24th, 2016

Current mortgage rates at Savings Bank of Danbury are very competitive for both fixed rate and adjustable rate mortgages. The lowest mortgage rate available right now at Savings Bank of Danbury is at 2.50 percent with no points. That rate is currently being quoted on the bank’s 3 year adjustable rate loan.

Savings Bank of Danbury adjustable mortgage rates on 5 year and 7 year loans are also very competitive. Today’s 5 year adjustable rates are quoted at 2.625 percent with no mortgage points. Current 7 year adjustable rates are quoted at 3.00 percent with no points.

Mortgage rates on fixed loans are also some of the lowest rates available right now. 15 year mortgage rates at Danbury Savings Bank are currently quoted at 3.00 percent with no points. 30 year mortgage rates are currently quoted at 3.75 percent with no points.

You can see how Savings Bank of Danbury’s mortgage rates compare with other lenders rates by searching our rate lists at RatesORama.com.

Author: Brian McKay
January 31st, 2016