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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 Tue Sep 27, 2016
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.000 pts
46 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
Next button
at 0.000 pts
45 day lock rate
Est payment: $1,333.58
Fees in APR: None
The direct lender to call for great rates and superior service. 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 0.000 pts
40 day lock rate
Est payment: $1,345.38
Fees in APR: $895
 
 
Next button
Pacific Choice Mortgage Logo
at 0.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: $999
 
Next button
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $1,345
Thanks for the inquiry. 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
tbd 
 
Next button
Mortgage Services Across America Logo
at 0.000 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: $2,400
 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $990
 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,095
 
 
Next button
at 2.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: $5,115
 
 
Next button
at 2.000 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
at 1.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $2,845
Thanks for the inquiry. 
 
Next button
at 1.100 pts
60 day lock rate
Est payment: $1,310.17
Fees in APR: $525
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 1.100 pts
30 day lock rate
Est payment: $1,321.84
Fees in APR: $661
tbd 
 
Next button
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $824
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 0.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $3,095
Thanks for the inquiry. 
 
Next button
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $1,995
tbd 
 
Next button
at 1.000 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: $3,615
 
 
Next button
at 1.000 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
at 0.100 pts
60 day lock rate
Est payment: $1,321.84
Fees in APR: $1,525
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
LincolnWay Community Bank

2.828%
9/20/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
Popular Community Bank

2.865%
9/27/2016
2.670%
at 1.000 pts
30 day lock rate
Est payment: $1,349.64
Fees in APR: $720
 
 
OneWest Bank, FSB

3.415%
9/21/2016
3.250%
at 0.270 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: $1,727
 
 
BBVA Compass

3.027%
9/26/2016
2.750%
at 1.375 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
IAB Financial Bank

3.060%
9/21/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $828
 
 
Bank of the West

3.182%
9/27/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $793
 
 
First Citizens Bank

2.810%
9/26/2016
2.750%
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: $842
 
 
Union Bank

3.556%
9/21/2016
3.500%
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $771
 
 
Armed Forces Bank, N.A.

3.072%
9/21/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $999
 
 
Raymond James Bank, NA

3.348%
9/27/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,354
 
 
First Tech Credit Union

2.814%
9/21/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $899
 
 
San Diego County Credit Union

3.161%
9/21/2016
3.125%
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $499
 
 

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.




If you haven’t heard the news, the Federal Open Market Committee declined to raise the fed funds rate list week. This is good news for those looking to buy a home or refinance a mortgage, as current mortgage rates will stay near record lows for now.

Mortgage rates are not directly tied to the federal funds rate but indirectly tied. When the federal funds rate is increased, bond yields usually increase. Lenders tie mortgage rates to 10 year bond yields, as 10 year bond yields rise, lenders adjust mortgage rates higher.

30 year fixed conforming mortgage rates are currently at 3.51 percent, up from last week’s average mortgage rate of 3.46 percent. 30 year rate moved higher last week but are only about 25 basis points above all-time record lows set a few years ago.

A decade ago, 30 year mortgage rates were in the 6 to 7 percent range. Back in the early 1980’s the all-time record high for 30 year mortgage rates was just above 17 percent.

Average 30 year rates are at 3.51 percent today but there are lenders quoting 30 year rates well below the average. The best 30 year refinance rates on our rate list right now are at 3.00 percent with points. The best rates without points are still below the average at 3.25 percent.

Mortgage points allow the borrower to get a lower mortgage rate by paying money up front. Each mortgage point is equal to 1 percent of the loan amount.

To see how low mortgage rates are in your area search our rate lists at MortgageRates.RatesoRama.com.

Author: Brian McKay
September 25th, 2016

Mortgage rates moved higher this week, following 10 year bond yields higher as a result of a strong July employment report. Last Friday, July’s Nonfarm Payroll numbers showed 255,000 jobs were created in July, 75,000 more jobs than were expected. 

10 year bond yields shot back above 1.50 percent on the strong report and went as high as 1.60 percent. Last Friday, 30 year conforming mortgage rates were averaging 3.38 percent. Today 30 year conforming rates are higher, averaging 3.56 percent.

Even with the 18 basis point increase, average 30 rates are not much higher than the all-time low of 3.31 percent set late in 2012. Right now, there are a few lenders on our mortgage rates list quoting 30 year refinance rates below the all-time low of 3.31 percent.

The lowest 30 year refinance rate on our rate list for California is quoted at 3.125 percent with 1 mortgage point from HomePlus. The lowest 30 year rate without points on our rate list is also from HomePlus at 3.375 percent, just above the all-time record low of 3.31 percent.

15 year mortgage rates today are currently averaging 2.69 percent, up from the previous week’s average 15 year rate of 2.66 percent. Checking on our 15 year rate list for California, HomePlus is also offering the lowest 15 year refinance rates at 2.375 percent with 1 mortgage point. The lowest 15 year rate without points is also from HomePlus at 2.625 percent.

30 year jumbo mortgage rates are currently averaging 3.86 percent, up 5 basis points from last week’s average rate of 3.81 percent. The best 30 year jumbo refinance rates on our rate list for Colorado are much lower at 3.25 percent with 1 mortgage point from Sebonic Financial. The lowest 30 year jumbo rate without points is from Regent Bank at 3.75 percent.

15 year jumbo mortgage rates are averaging 3.36 percent, an increase from last week’s average 15 year jumbo rate of 3.29 percent. The best 15 year jumbo mortgage rates on our rate list for New York are currently at 2.625 percent with no points from Teachers Federal Credit Union.

You can search for and compare mortgage rates in your state from many lenders by searching our rate lists at MortgageRates.RatesORama.com.

Author: Brian McKay
August 9th, 2016

As we expected, average mortgage rates are down again this week and are just above record lows set in 2012. The catalyst for sending mortgage rates near record lows was the Brexit vote to leave the European Union. Just after the vote, we wrote an article entitled Brexit Will Send U.S. Mortgage Rates to New Lows, predicting mortgage rates will head down to all-time lows on the vote and we are just about there.

Average 30 year mortgage rates were at 3.55 percent right after the vote and are now at 3.44 percent. The all-time record low for average 30 year mortgage rates is 3.31 percent set in the fourth quarter of 2012. You can already find lenders quoting 30 year rates with points below the all-time low of 3.31 percent below and lower than today’s average of 3.44 percent and below.

The lowest 30 year refinance rates for California is from Sebonic Financial at 2.875 percent with 1.10 mortgage points. The lowest quoted rate without points on our rate list for CA is at 3.25 percent, still below the current average rate and below all-time record low of 3.31 percent.

Average 15 year mortgage rates are down considerably since the Brexit vote. The current average 15 year mortgage rate is at 2.68 percent, down 8 basis points from last week’s average rate of 2.76 percent. As with 30 year rates, lenders are quoting 15 year mortgage rates well below the current average rate.

Sebonic Financial is also offering the lowest 15 year rates. This lender is currently quoting 15 year refinance rates at 2.125 percent with 1.10 points. Sebonic Financial is also offering 15 year rates at 2.25 percent with 0.10 points and at 2.50 percent with no points.

You can search for and compare mortgage rates for home purchases and refinance rates by using our rate lists. No contact information is required to see a list of mortgage rates, unlike most comparison mortgage rate websites.

Author: Brian McKay
July 11th, 2016

Since voters in the United Kingdom voted to leave the European Union, bond yields have plummeted. Before the vote, 10 year U.S. bond yields were at 1.73 percent, today 10 year yields are down another 10 basis points to 1.48 percent.

During the past week, average 30 year mortgage rates also plummeted. Last Thursday before the vote, 30 year mortgage rates were averaging 3.73 percent, today 30 year rates are averaging 3.55 percent. We expect average 30 year rates to fall even further this week, likely below 3.50 percent and as low as 3.40 percent.

Mortgage lenders are already offering 30 year conforming mortgage rates below 3.50 percent. On the California mortgage rate list, the lowest 30 year mortgage rate available is from Sebonic Financial at an incredibly low rate of 3.00 percent with 1.10 mortgage points. The lowest rate without points is currently at 3.375 percent.

By the end of this week, the lowest rates available with points will fall below 3.00 percent and the lowest rates without points will be at 3.25 percent or below. If equity markets continue to decline in the coming weeks, bond yields will hit new lows and as a result, mortgage rates will also hit new lows.

Author: Brian McKay
June 27th, 2016

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