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Mortgage Rates | 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 Wed Feb 10, 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
 
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,895
 
 
Next button
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
Next button
at 1.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $2,245
 
 
Next button
at 0.375 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
Next button
at 2.000 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: $3,135
 
 
Next button
at 1.125 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
Next button
Audubon Savings Bank

3.417%
2/4/2016
3.375%
at 0.000 pts
45 day lock rate
Est payment: $1,417.52
Fees in APR: $580
 
 
Shore Community Bank

3.574%
2/4/2016
3.500%
at 0.000 pts
30 day lock rate
Est payment: $1,429.77
Fees in APR: $1,018
 
 
Metuchen Savings Bank

3.206%
2/9/2016
3.125%
at 0.500 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $120
 
 
Manasquan Savings Bank

3.169%
2/9/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $606
 
 
Somerset Savings Bank, SLA

2.906%
2/9/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Millington Savings Bank

3.273%
2/4/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $316
 
 
Credit Union of New Jersey

3.011%
2/5/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $147
 
 
Kearny Bank

3.014%
2/9/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $200
 
 
LincolnWay Community Bank

2.953%
2/9/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $1,085
 
 
Magyar Bank

3.125%
2/9/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
Amalgamated Bank

3.109%
2/4/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $1,504
 
 
IAB Financial Bank

3.435%
2/3/2016
3.375%
at 0.000 pts
30 day lock rate
Est payment: $1,417.52
Fees in APR: $828
 
 
OceanFirst Bank

3.156%
2/9/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $432
 
 
Proponent Federal Credit Union

3.067%
2/5/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $924
 
 
Bank of America

3.100%
2/8/2016
3.000%
at 0.267 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $850
 
 
HSBC Bank USA, N.A.

3.627%
2/3/2016
3.575%
at 0.000 pts
60 day lock rate
Est payment: $1,437.14
Fees in APR: $705
 
 
Santander Bank, N.A.

3.017%
2/9/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $1,967
 
 
Raymond James Bank, NA

3.223%
2/9/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $1,354
 
 
Fulton Bank of New Jersey

2.933%
2/8/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $807
 
 
TD Bank, NA

3.197%
2/5/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $997
 
 
Citizens Bank

3.301%
2/5/2016
3.250%
at 0.000 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: $703
 
 
United Teletech Financial

3.057%
2/4/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Affinity FCU

3.312%
2/5/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $860
 
 
Regent Bank

2.944%
2/4/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $955
 
 
Valley National Bank

3.042%
2/5/2016
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%
2/5/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $510
 
 

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.




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

Webster Bank is offering some of the lowest 5 year adjustable mortgage rates currently available for both conforming and jumbo mortgages. The current 5/1 ARM rate at Webster Bank is 1.875 percent with 2 mortgage points. Webster Bank is also quoting 5/1 ARMs at 2.25 percent with 1 point for both conforming and jumbo loans.

Granted, paying points upfront at closing can become very costly, especially with a jumbo loan. If you would rather not pay points, you can still get a really good rate of 2.75 percent on either a conforming or jumbo 5/1 mortgage.

Other adjustable rate mortgages available at Webster Bank include 3 year, 7 year, and 10 year mortgages. 3/1 ARMs are available at the same rate and point combinations as the 5 year adjustable rates listed above. The 5 year ARM is probably your best option in order to lock in the low rate for a longer period of time.

Current 7 year adjustable rates are available at 3.00 percent with no points, 2.50 percent with 1 point, and 2.125 percent with 2 points. These quoted rates are for both conforming and jumbo mortgages.

10 year rates are currently at 3.25 percent with no points, 2.875 percent with 1.125 points, and 2.50 percent with 2 points. These quoted rates are also for both conforming and jumbo mortgages.

Webster Bank’s current fixed mortgage rates are also very competitive. Right now, the bank is quoting 30 year jumbo mortgage rates lower than 30 year conforming rates. Listed below are all current fixed rates available. You can see how these rates compare with other lender’s rates by searching our rate list at RatesORama.com.

Current Conforming Fixed Mortgage Rates

30 Year

  • 3.75% no points
  • 3.625% 0.50 points
  • 3.50% 1 point
  • 3.25% 2 points

20 Year

  • 3.625% no points
  • 3.50% 0.50 points
  • 3.375% 1 points
  • 3.25% 2 points

15 Year

  • 2.99% no points
  • 2.875% 0.50 points
  • 2.75% 1 point
  • 2.50% 2 points

10 Year

  • 2.875% no points
  • 2.75% 0.50 points
  • 2.625% 1 point
  • 2.375% 2 points

Current Jumbo Mortgage Rates

30 Year

  • 3.625% no points
  • 3.50% 0.50 points
  • 3.375% 1 point
  • 3.125% 2 points

15 Year

  • 3.125% no points
  • 3.00% 0.50 points
  • 2.875% 1 point
  • 2.625% 2 points
Author: Brian McKay
January 19th, 2016

You probably have seen the headlines about the Federal Reserve increasing the Federal Funds rate in December. Chances are you also heard about mortgage rates moving higher and applications for mortgages dropping. These headlines are true but mortgage rates are still low.

Average 30 year mortgage rates today are at 3.90 percent, which is low by historical standards. On our rate table there are lenders quoting 30 year rates with points as low as 3.50 percent. The lowest rate quoted without points is at 3.875 percent, still below the current average rate. These two examples were rates listed on our Texas list of refinance rates. You can search for rates in your state by searching our rate lists at RatesORama.com.

15 year mortgage rates are also low right now. The average 15 year rate is at 3.13 percent while the lowest rate listed on our rate table for California is at 2.625 percent with 2 points. The lowest 15 year rate without points is also below the average at 2.875 percent.

Right now 5 year adjustable rate mortgages are even lower than fixed 30 year or 15 year rates. Current 5 year rates are averaging 3.39 percent but the lowest rate available on our rate list is much lower. Searching our rate list for New York, Teachers Federal Credit Union is quoting 5 year adjustable rates at 2.375 percent with no points. Not eligible to join Teachers Federal Credit Union? Third Federal Savings & Loan is quoting rates slightly higher at 2.65 percent with no points.

If you decide to get an ARM, make sure you know what the annual rate cap and lifetime rate cap is on an ARM. We are entering a cycle of higher interest rates for the next several years. 

Author: Brian McKay
January 9th, 2016

In 2015, mortgage rates drifted in a narrow range just above record lows set in 2013. In fact, mortgage rates this year came very close to the record lows set in 2013. Mortgage rates will increase in 2016 but rates will still be very low, historically speaking. As a result of low rates, buying a home in 2016 will be more affordable than it would have been if rates were higher.

The current average conforming 30 year mortgage rate is at 3.84 percent and the lowest rate available on our rate list is at 3.50 percent. Both the average rate and lowest rate offered right now are well below where rates were forecast to be at the end of this year.

At the beginning of 2015, average 30 year conforming rates were supposed to be around 5.00 percent. 30 year rates came to near 5.00 percent. At the high point, this year average 30 year rates were around 4.50 percent. If the Fed increases the fed funds rate 3 or 4 times in 2016, we may see average 30 year rates hit 5.00 percent but not until the end of 2016.

Average 15 year conforming rates today are just above 3.00 percent at 3.02 percent. The best 15 year conforming refinance rates on our rate list are well below 3.00 percent at 2.625 percent with 2 mortgage points. The lowest 15 year rate without points is also below the average at 3.00 percent.

30 year jumbo mortgage rates are currently averaging 4.34 percent. The lowest 30 year jumbo refinance rates on our rate list are below 4.00 percent at 3.75 percent with zero points.

Current mortgage rates on 15 year jumbo loans are averaging 4.18 percent and the lowest 15 year jumbo rates on the rate list are well below the average. The lowest 15 year jumbo refi rate on our rate list is at 3.125 percent with 1.125 points, a full 100 basis points below the average rate.

You can check on mortgage rates or refinance rates in our state by searching our rate lists at RatesORama.com/Mortgage-Rates.

Author: Brian McKay
December 25th, 2015

You can still get very low rates on an adjustable mortgage from many lenders. LenderFi is quoting the lowest 5 year conventional ARM on our rate list at 2.25 percent with 1.10 mortgage points. If you’re in the market for an ARM,  you should lock in a rate before mortgage rates move any higher.

Short term interest rates will move higher if the Federal Reserve increases rates on December 16. After the strong November employment report, an increase is an almost certain now. This might be the last time we see 5 year ARMs at 2.25 percent for a while.

LenderFi has been in business since 2006 and has been a BBB accredited business since 11/15/2006. LenderFi’s Nationwide Mortgage Licensing System & Registry license number is 133056. LendFi has state licenses in 44 states and the District of Columbia.

LenderFi is also quoting 5 year ARMs with different rate/point combinations. Below is a list of rates quoted this morning on a 5 year conforming ARM (California).

5 Year Adjustable Mortgage Rates from LenderFi 

  • Rate 2.25% APR 3.12% Points 1.10%
  • Rate 2.38% APR 3.14% Points 0.94%
  • Rate 2.50% APR 3.16% Points 0.10%
  • Rate 2.63% APR 3.18% Points 0.32%
  • Rate 2.875% APR 3.19% Points 0.00%

Lenders change mortgage rates on a daily basis. For a current list of this lender’s rates and other lenders’ rates use our rate list at RatesORama.com/Mortgage-Rates.

Author: Brian McKay
December 4th, 2015