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Mortgage Rates| Compare Current Mortgage Rates TodaySearch 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 Wed Sep 19, 2018
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Virginia Credit Union 4.820%
9/18/2018
4.750%
at 0.250 pts
45 day lock rate Est payment: $1,564.94
Fees in APR: $1,650
State Department Federal Credit Union 4.557%
9/17/2018
4.500%
at 0.000 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $2,000
Northwest Federal Credit Union 4.796%
9/19/2018
4.750%
at 0.500 pts
45 day lock rate Est payment: $1,564.94
Fees in APR: $79
Raymond James Bank, NA 5.038%
9/18/2018
5.000%
at 0.000 pts
45 day lock rate Est payment: $1,610.46
Fees in APR: $1,299
Apple Federal Credit Union 4.722%
9/12/2018
4.625%
at 1.000 pts
60 day lock rate Est payment: $1,542.42
Fees in APR: $352
TD Bank, NA 4.560%
9/14/2018
4.500%
at 0.375 pts
45 day lock rate Est payment: $1,520.06
Fees in APR: $982
Santander Bank, N.A. 4.934%
9/19/2018
4.875%
at 0.000 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $2,004
Apple Federal Credit Union 4.848%
9/19/2018
4.750%
at 1.000 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $352
Bank of America 4.835%
9/19/2018
4.750%
at 0.547 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $1,289
Bank of America 4.725%
9/12/2018
4.625%
at 0.727 pts
60 day lock rate Est payment: $1,542.42
Fees in APR: $1,289
LincolnWay Community Bank 4.656%
9/18/2018
4.625%
at 0.000 pts
30 day lock rate Est payment: $1,542.42
Fees in APR: $1,085
The Fidelity Bank 4.900%
9/14/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $863
Langley FCU 4.889%
9/19/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $495
Fulton Bank, NA 4.937%
9/18/2018
4.875%
at 0.375 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $1,007
Citizens Bank, NA 4.824%
9/14/2018
4.750%
at 0.375 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $1,408
Bank of Oak Ridge 4.796%
9/13/2018
4.750%
at 0.250 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $853
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. Triumph Bank Home Loan rates are very competitive right now, and more importantly, the bank doesn’t charge any lender fees on mortgage loans. Some lenders will charge hundreds, if not thousands, of dollars in lender fees which drives up the overall annual percentage rate on a mortgage. Tip: Searching for the lowest mortgage rates today plus finding lenders with low or no fees can save you tens of thousands of dollars over the life of a mortgage. Triumph Bank Home Loans Current Triumph Bank Home Loan RatesListed below are a sample of today’s mortgage rates at Triumph Bank Home Loans. You can see how these rates compare with the current average mortgage rates listed on the right.
There are many different factors lenders use to determine what mortgage rates to offer borrowers. The Triumph Bank Home Loan mortgage rates that were quoted are rates based on the following criteria:
You can see this lender’s current rates by going to their website and clicking on “Check Rates.” Another option would be to compare this lender’s rates with other lender’s rates by searching our mortgage rate list for your state. You will see dozens of mortgage lenders listed all with different mortgage rates, points and fees. Therefore, you will likely get a better rate. Mortgage rates and refinance rates are moving higher. Now is a good time to lock in a rate because a higher mortgage rate means higher monthly payments. In addition, you will pay more of your monthly mortgage payments towards interest instead of towards principal. Mortgage rates continued the relentless decline this week, hitting yet another new low for 2017. Back in January of this year, forecasts for average 30 year mortgage rates by this time were in the range of 4.75 percent. Average 30 year mortgage rates closed yesterday at 3.67 percent, more than 100 basis points lower than the forecast. 30 year rates are now only about 30 basis points above the all-time record low set in 2012. 15 year mortgage rates also fell this week, hitting a new low for 2017 and falling below 3.00 percent for the first time this year. Average 15 year mortgage rates are at 2.94 percent, down from last week’s average rate of 3.01 percent. 15 year mortgage rates were forecast to be around 3.75 percent by the third quarter of 2017. 5 year adjustable mortgage rates were slightly higher this week, averaging 3.15 percent, up from last week’s average rate of 3.14 percent. In the chart below, you can see the steady decline for mortgage rates this year.
30 year jumbo mortgage rates declined this week to 4.20 percent, down from last week’s average 30 year jumbo rate of 4.26 percent. Average 15 year jumbo rates fell to 3.83 percent, down from the prior week’s average 15 year rate of 3.87 percent. 5 year jumbo adjustable rates are currently at 3.62 percent, up from last week’s average of 3.60 percent. Mortgage rates were widely forecast to move higher in 2017 but that hasn’t happened. In fact, mortgage rates have actually declined since the beginning of 2017. Now we are in the month of June, halfway through the year, and rates are still moving lower. Back in January 2017, 30 year mortgage rates were above 4.00 percent, averaging around 4.25 percent. By the end of May, 30 year mortgage rates were back under 4.00 percent, averaging 3.90 percent. 30 year mortgage rates today are even lower, averaging 3.75 percent. RatesORama.com, along with most mortgage related websites, forecast higher mortgage rates. One of the premier organizations in the mortgage business, the Mortgage Bankers Association, also forecast higher mortgage rates. Naturally, their forecast for average rates has declined each month as rates moved lower. MBA Mortgage Rate ForecastsJanuary 19th Forecast
April 18th Forecast
June 12th Forecast
The MBA’s forecasts will certainly come down again next month since the 2nd quarter of 2017 is almost over and average 30 year rates are at 3.75 percent. Future Direction of Mortgage RatesRatesORama.com now forecast average fixed mortgage rates to hover around current levels for the rest of 2017. That would mean 30 year rates will remain around 3.75 percent and 15 year mortgage rates will remain near 3.00 percent. Shorter term adjustable mortgage rates are more susceptible to short term bond yields moving higher. The Fed is expected to increase the fed funds rate once more in 2017. The increase will be 25 basis points, which will likely force short term mortgage rates up 25 basis points. Current average 5 year adjustable mortgage rates are at 3.15 percent. A 25 basis point increase will put 5 year adjustable rates around 3.40 percent. 7 year adjustable rates currently averaging 3.35 percent will move towards 3.60 percent. The general consensus is that mortgage rates will move higher in 2017 but that hasn’t happened yet and the year is almost half over. When Trump surprised everyone and won the election, 10 year bond yields and mortgage rates moved higher. 10 year yields increased from roughly 1.80 percent to 2.60 percent and average 30 year mortgage rates increased from 3.40 percent to 4.00 percent. Since then, both bond yields and mortgage rates are lower and in fact, both are lower overall in 2017. This wasn’t supposed to happen because the Federal Reserve is in tightening mode and has increased rates twice since December 2016. While the Federal Reserve doesn’t set mortgage rates, their rate changes do affect mortgage rates and the housing market. Mortgage rates tend to move in the same direction as 10 year bond yields because the 10 year note serves as a benchmark for mortgages and many forms of credit. When the fed funds rate is increased, bond yields move higher and mortgage rates also move higher. The same process happens but in the opposite direction when the fed funds rate is lowered. The Fed is expected to increase the fed funds rate two more times in 2017 and those rate increases will put more upward pressure on bond yields and mortgage rates. Will two more rate hikes actually produce higher mortgage rates? We believe so. Don’t be alarmed though -mortgage rates won’t move much higher from current levels. 30 year mortgage rates today are still under 4.00 percent, averaging 3.92 percent. At the beginning of the year, 30 year mortgage rates were forecast to hit 5.00 percent by the end 2017. We think this is highly unlikely at this point. A more realistic forecast is for 30 year rates to move up to 4.50 percent by the end of the year, which is only 50 basis points higher than today’s average rate. Mortgage rates and bond yields have surged higher over the past three months. The increase in rates and yields accelerated since Donald Trump won the Presidential Election. The month before the election, average 30 year conforming mortgage rates were at 3.54 percent. 30 year mortgage rates today are above 4.00 percent, averaging 4.18 percent. During the same time, 10 year U.S. Treasury yields rose from around 1.60 percent to today’s yield of 2.60 percent, a 100 basis point increase. We expect even higher rates and yields in 2017 because the Federal Open Market Committee is expected to increase rates. The FOMC anticipates increasing the fed funds rate by 0.75 percent in 2017 and may possibly increase the rate more if needed. This will put upward pressure on Treasury yields, which in turn will put upward pressure on mortgage rates. 10 year Treasury yields could hit 3.50 percent and average 30 year mortgage rates might hit 5.00 percent by the end of 2017. 15 year mortgage rates are also moved sharply higher over the past three months. In late September of this year, average 15 year mortgage rates were around 2.75 percent. 15 year mortgage rates today are much higher, averaging 3.33 percent, an increase of 58 basis points. 15 year mortgage rates will likely hit 4.00 percent by the end of 2017. On a percentage basis, the current increase for both 30 year rates and 15 year rates are even higher. Average 30 year mortgage rates increased by 18 percent and average 15 year mortgage rates increased by 21 percent in 3 months. You can see an archive of average mortgage rates for 2016 at Freddie Mac Mortgage Rate Archive. Unfortunately, for homeowners financing their purchase, higher mortgage rates are here and will continue to move higher. If you’re a potential homebuyer, now is time to lock in a mortgage rate before rates increase. The higher the mortgage rates, the higher your monthly mortgage payment will be and the less home you can afford. The rates mentioned above are average rates but you can still find lenders quoting mortgage rates below the average. If you’re comparing mortgage rates, you can see a list of lenders listed in your state by searching our rate lists at Mortgage Rates. |
RatesORama.com Average Mortgage Rates
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