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Lower Mortgage Rates This Week Continue to Help Housing Market - CD Rates - Search for CD Rates Today
 

Lower Mortgage Rates This Week Continue to Help Housing Market

For the second consecutive week, average mortgage rates are lower which is providing help to the ongoing housing market recovery. Mortgage rates are lower because bond yields have also moved lower the past couple of weeks. Conventional 30 year mortgage rates today are averaging 3.54 percent, down from the prior week's average 30 year mortgage rate of 3.68 percent. 10 year bond yields have also fallen this past week and are at 1.70 percent today.

Lower Mortgage Rates This Week Continue to Help Housing MarketAverage 30 year mortgage rates this week are just above an all-time record low set in November 2012. The all-time record low 30 year rate was at 3.27 percent, today's mortgage rates are only 27 basis points above the record low. In the coming weeks we could see 30 year rates break the record low if 10 year bond yields decline.

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
4.342
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,957
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
4.552
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,168
 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.835
4.750
USD
at 0.100 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $2,641
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
4.328
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,469
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
4.326
4.240
USD
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,747
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
4.437
4.250
USD
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
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
4.546
4.375
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,961
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.722
4.625
USD
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $3,049
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: $3,503
 
 
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
4.901
4.875
USD
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $901
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
5.014
5.000
USD
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $470
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
4.404
4.365
USD
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $1,364
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
4.509
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
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
4.510
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $350
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: $389
 
 
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
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
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
4.545
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,643
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
4.194
3.990
USD
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $3,953
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
4.189
4.000
USD
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,425
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: $2,678
 
 
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.





Yesterday, equity markets and commodity prices tumbled as investors worried about economies slowing down in China and the United States. Gold prices fell by the largest dollar amount ever yesterday and is down more than 20 percent from the record high, which puts gold in bear market territory.

If commodity prices and equity prices continue with sharp declines investors will flee to safer assets like U.S. Treasuries. This "classic flight to quality" always happens in periods of uncertainty and will happen again. When bond prices rise as investors pour into bonds, yields decline. As bond yields decline so do long term fixed mortgage rates.

If this scenario happens we could see 30 year conforming mortgage rates fall as low as 3.25 percent over the next couple of weeks. Right now you can find lenders quoting 30 year refinance rates below the current average of 3.54 percent and even below our prediction of 3.25 percent. The lowest 30 year refinancing rates on our rate table are at 3.00 percent with points. The lowest 30 year refi rates without points are at 3.25 percent.

Current mortgage rates on 15 year conventional home loans are averaging 2.78 percent this week, a decline from last week's average 15 year mortgage rate of 2.89 percent. If bond yields fall in the coming weeks, average 15 year conforming mortgage rates could fall as low as 2.50 percent. There are already lenders quoting 15 year conforming rates below the average and below 2.50 percent.

On our 15 year refinance rate tables for the state of Georgia you can find lenders quoting 15 year conforming refi rates as low as 2.25 percent with points. The lowest GA refinance rates without points on our rate tables right now are at 2.375 percent. Right now on our tables for the state of California you can also find lenders quoting refinance rates at 2.25 percent with points and at 2.50 percent without points.

30 year jumbo mortgage rates today are averaging 3.96 percent a decline from last week's average 30 year jumbo mortgage rate of 4.08 percent. If 10 year Treasury yields fall in the coming weeks we predict average 30 year jumbo mortgage refinance rates will fall as low as 3.75 percent. Right now the lowest jumbo refinance rates in our database for the state of New Jersey are at 3.375 percent with 2 mortgage points and at 3.625 percent with no points.

Average 15 year jumbo mortgage rates currently are averaging 3.34 percent, a decline from the previous week's average 15 year jumbo mortgage rate of 3.49 percent. The lowest jumbo mortgage interest rates on our rate tables right now in the state of Colorado are at 2.625 percent with 2 mortgage points and the lowest 15 year jumbo refi rates without points are at 3.15 percent.
Author: James Martin
April 16th, 2013