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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 Jul 26, 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
60 day lock rate
Est payment: $1,369.17
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: $1,345.38
Fees in APR: $695
 
Next button
at 0.250 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
Next button
at 0.100 pts
60 day lock rate
Est payment: $1,345.38
Fees in APR: $1,426
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 1.100 pts
60 day lock rate
Est payment: $1,333.58
Fees in APR: $552
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 1.125 pts
45 day lock rate
Est payment: $1,333.58
Fees in APR: None
 
Next button
Audubon Savings Bank

3.042%
7/21/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $580
 
 
Shore Community Bank

3.324%
7/21/2016
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%
7/26/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Manasquan Savings Bank

2.918%
7/26/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $606
 
 
Metuchen Savings Bank

2.829%
7/26/2016
2.750%
at 0.500 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $108
 
 
OceanFirst Bank

2.906%
7/26/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Amalgamated Bank

2.983%
7/21/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $1,504
 
 
LincolnWay Community Bank

2.828%
7/26/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
Millington Savings Bank

3.273%
7/21/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $316
 
 
IAB Financial Bank

2.934%
7/20/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $828
 
 
Magyar Bank

2.875%
7/26/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
Kearny Bank

3.014%
7/26/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $200
 
 
Affinity FCU

2.757%
7/22/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $97
 
 
Bank of America

3.147%
7/25/2016
3.000%
at 0.593 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $850
 
 
Santander Bank, N.A.

2.894%
7/26/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $2,004
 
 
Raymond James Bank, NA

3.223%
7/26/2016
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%
7/25/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $807
 
 
TD Bank, NA

2.947%
7/22/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $997
 
 
Valley National Bank

2.791%
7/22/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $577
 
 
Financial Resources Federal Credit Union

2.912%
7/22/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $510
 
 
United Teletech Financial

3.057%
7/21/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Regent Bank

2.944%
7/21/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $955
 
 
Proponent Federal Credit Union

2.941%
7/22/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $924
 
 
Credit Union of New Jersey

2.760%
7/22/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
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.




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

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