web statistics
Best 30 Year Mortgage Rates Today at 3.625 Percent With Points - CD Rates - Search for CD Rates Today
 

Best 30 Year Mortgage Rates Today at 3.625 Percent With Points

Since the beginning of 2013, mortgage rates have drifted higher from record lows. The increases on average for both fixed conforming mortgages and fixed jumbo mortgages have been about 1.00 percent, or 100 basis points. Mortgage rates have moved higher but when you compare today's mortgage rates to historical averages, rates are still incredibly low.

Take 30 year conventional mortgage rates which are currently averaging 4.35 percent. 30 year mortgage interest rates set a record low of just above 3.25 percent in the winter, about 1.00 percent lower than today's rates. Back in 2008, 30 year conventional rates were above 5.00 percent for most of the year and back in 2006 rates were above 6.00 percent.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
4.459
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,638
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.355
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,405
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
4.790
4.750
USD
Valley National Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,086
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.312
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,895
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.553
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,220
 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.832
4.750
USD
at 0.100 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $2,520
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.344
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,027
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.224
4.125
USD
at 0.100 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $3,215
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.358
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,511
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.340
4.240
USD
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,236
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.427
4.325
USD
at 0.100 pts
45 day lock rate
Est payment: $1,489.02
Fees in APR: $3,297
Thank you for your inquiry! We look forward to working with you. 
 
Next button
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.563
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,567
 
Next button
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.636
4.500
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,743
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.820
4.750
USD
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $2,101
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.358
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,506
 
 
Next button
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.554
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,895
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
4.875
4.875
USD
Valley National Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.378
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $107
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.500
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.908
4.875
USD
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,149
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.012
5.000
USD
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $408
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.379
4.375
USD
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $128
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.491
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $29
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.519
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $675
 
Next button
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.522
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $779
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
4.441
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,338
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.523
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $809
 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.511
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $398
 
 
Next button
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.625
4.625
USD
HomeDirect Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.490
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.316
4.250
USD
Better Mortgage Inc Logo
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,335
Thank you for your quote. 
 
Next button
30 yr fixed Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
9.561
9.125
USD
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,948
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.154
4.000
USD
at 1.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $2,213
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.556
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,017
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.272
4.115
USD
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $2,285
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
9.495
9.125
USD
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $6,295
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.386
4.250
USD
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,505
Thank you for your inquiry! We look forward to working with you. 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
9.622
9.125
USD
Valley National Bank Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $9,468
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.259
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,463
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.294
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,675
 
 
Next button
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.781
4.750
USD
LincolnWay Community Bank

4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.651
4.625
USD
United Bank

4.651%
12/11/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.934
4.875
USD
Santander Bank, N.A.

4.934%
12/12/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.900
4.875
USD
Union Savings Bank

4.900%
12/7/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
5.089
5.000
USD
First National Bank of Omaha

5.089%
12/6/2018
5.000%
at 0.750 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.926
4.875
USD
Citizens Bank, NA

4.926%
12/7/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
5.162
5.125
USD
UniBank for Savings

5.162%
12/7/2018
5.125%
at 0.250 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.793
4.750
USD
The Guilford Savings Bank

4.793%
12/7/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.795
4.750
USD
Liberty Bank

4.795%
12/7/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.730
4.625
USD
Bank of America

4.730%
12/10/2018
4.625%
at 0.759 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.655
4.625
USD
TD Bank, NA

4.655%
12/11/2018
4.625%
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.773
4.750
USD
Savings Bank of Danbury

4.773%
12/7/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.781
4.750
USD
The Washington Trust Company

4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,083
 
 

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.




Best 30 Year Mortgage Refinance Rates Today


Looking for the lowest rates on our rate lists across the United States, we see in Florida the best rate available is at 3.875 percent with 1.452 mortgage points. The best 30 year refinance rates without points in FL are also below the average rate at 4.125 percent. In California, the lowest 30 year refinance rate is also at 3.875 percent with 1.452 points and at 4.125 percent with zero points.

Millions of homeowners who wanted to take advantage of record low rates the past few years were unable to do so because they didn't have enough equity in the home. If you're one of these homeowners, you should look into refinancing again because home prices are up 12 percent the past year.

Lowest 15 Year Refinance Rates Currently Available


Average 15 year refinance rates today are at 3.45 percent, up from last week's average 15 year refinance rate of 3.43 percent. The best refinance rates on 15 year conforming mortgages are currently at 2.75 percent with 1.879 mortgage points on our rate list in California. The best CA refinance rates without points on 15 year mortgages are at 3.125 percent, still more than 0.30 percent below the average rate.

The best 15 year refinancing rates on our rate list for the state of Texas are at also at 2.75 percent with points. The best 15 year refi rate without points currently offered in TX are listed at 3.125 percent. Many of the lender's rates mentioned in this article can be found in most states by searching our rate lists.

Best 30 Year Jumbo Refi Rates at 4.125 Percent


For most of 2013, the rate difference between conventional mortgages and jumbo mortgages has been narrowing. Back during the housing bust, if you could find a lender offering 30 year jumbo mortgages the rate was around 2.00 percent higher than 30 year conforming rates at the time.

Now the average rate difference between both types of mortgages is less than 0.25 percent. At one point during this year, average 30 year jumbo rates were actually lower than average 30 year conforming rates. Right now, the lowest 30 year jumbo refinance rates on our list are at 4.125 percent with points. The lowest 15 year jumbo refinancing rates without points are at 4.375 percent.

15 Year Jumbo Rates Averaging 3.75 Percent


15 year jumbo mortgage rates are averaging 3.75 percent today, down from an average 15 year jumbo rate of 3.79 percent. 15 year jumbo rates are very low now and will remain below 4.00 percent for the rest of this year. Looking forward to next year, 15 year jumbo rates will remain between 4.00 percent and 5.00 percent.

The lowest 15 year jumbo rates available right now on our rate list for New Jersey are much lower at 3.25 percent with no points. The lowest 15 year jumbo rates in New York are at 3.375 percent with no points. In the state of California, the best 15 year jumbo rates are at 3.25 percent with 1.874 points and at 3.375 percent with zero points.
Author: Brian McKay
December 1st, 2013