Today’s conforming 15 year fixed rate remains 4.25%, and 5/1 ARM rate 3.625.

While the FHA 15 year fixed rate is slightly higher than conforming at 4.5%, the FHA 5/1 ARM is also available at 3.625%.

Jumbo mortgage rates remain unchanged as well. Today’s 30 year fixed rate jumbo mortgage is at 5.625.

Jumbo mortgages falling within the jumbo conforming loan limits, which vary for each county based on median home values, can be obtained at a lower rate of 4.875%.

Looking for the lowest mortgage rates today? Search local mortgage rates or get a fast free mortgage rate quote.

FreeRateUpdate.com researches over 2 dozen wholesale lenders’ daily to determine the most accurate mortgage rates. These rates are commonly referred to as “par rates” in the mortgage industry.

We’re just 2 1/2 weeks from the end of government mortgage-backed securities pricing. When it ends it’s expected mortgage rates will rise.

Mortgage-backed securities prices, which drive mortgage rates in the opposite direction, are unchanged today.

The benchmark 10 year treasury yield, used to forecast mortgage rates, is at 3.71. The yeild was around 3.2 when mortgage rates hit the mid 4’s late last year.

To display today’s mortgage rates on your website or blog use our today’s mortgage rates widget.

Today’s 15 year fixed rate is still 4.25, and the 5/1 ARM rate 3.625.

FHA mortgage rates continue to be nearly identical to conforming (standard) mortgage rates, except for the 15 year fixed FHA loan rate, higher by 1/4 at 4.5%.

30 year fixed jumbo mortgage rates remain at 5.625%. Borrowers with an extremely low LTV may be able to find rates better by an 1/8.

Mortgage-backed securities prices, which drive mortgage rates in the opposite direction, were flat this week leading to very stable mortgage rates.

The benchmark 10 year treasury yield, used to forecast mortgage rates, is at 3.71 as of 11:00 AM PST, down – 0.01.

To display today’s mortgage rates on your website or blog please use our today’s mortgage rates widget, available for free.

Rates in this article are available to well-qualified consumers at a standard .07 to 1 point origination as verified by FreeRateUpdate.com research of wholesale lenders’ rate sheets. These rates are known in the mortgage industry as “par rates”.

15 year fixed rates remain at 4.25, and 5/1 ARM rates at 3.625.

Looking for the lowest mortgage rates today? Click here to search local mortgage rates, or try our fast free mortgage rate quote.

FHA mortgage rates continue to be the same as conforming mortgage rates with the exception of the 15 year fixed FHA rate, which is 4.5, slightly higher. FHA loans come with substantially higher fees, including MI which will be boosted to 2.25 of the loan amount, due at closing, on April 05 of this year.

Mortgage-backed securities prices, which drive mortgage rates in the opposite direction, are down -4/32. The benchmark 10 year treasury yield, used to forecast mortgage rates, is down -0.02 and at 3.7 as of 10:18 AM PST.

To display today’s mortgage rates on your website or blog use our free mortgage rates widget.

FreeRateUpdate.com researches wholesale lenders’ rate sheets daily to determine the rates for well-qualified consumers associated with a standard .07 to 1 point origination, known in the mortgage industry as “par rates”.

The benchmark 10 year treasury yield, used to forecast mortgage rates, is up to 3.72, +0.02 on the day. Many economists believe the yield will spike to above 4 before the year is over. If that happens, it is likely mortgage rates will be in the mid 5’s or higher, compared to 30 year fixed rates of 4.75 available today.

Looking for the lowest mortgage rates today? Search local mortgage rates here.

Conforming 30 year fixed rates held at 4.75 yet again. The 15 year fixed rate is cemented at 4.25, and the 5/1 ARM rate at 3.625. Mortgage rates haven’t budged since falling two weeks ago.

FHA mortgage rates continue to mirror those of conforming mortgages.

The jumbo 30 year fixed rate, for a true jumbo mortgage exceeding conforming jumbo limits, is 5.625.

Rates mentioned in this article are available today to well-qualified consumers paying a standard .07 to 1 point origination as verified by FreeRateUpdate.com research of wholesale lenders’ rate sheets.

To display current mortgage rates on your website or blog use our mortgage rates widget.

FHA 30 year fixed rates continue to mirror those of standard (conforming Freddie Mac FRE and Fannie Mae FNM insured) mortgages, with the exception of the 15 year fixed FHA rate which is slightly higher at 4.5.

Jumbo 30 year fixed rates, for true jumbo mortgages exceeding jumbo conforming loan amounts, are at 5.625. 30 year fixed loans falling within conforming jumbo limits, which vary for each county depending on median home prices, are available fixed for 30 years at 4.875%. 

Looking for the lowest mortgage rates today? Search local mortgage rates here.

Mortgage-backed securities prices, which drive mortgage rates in the opposite direction are up today, +7/32 (FNMA 30-yr 4.5 at 101.12). As a result mortgage rates have stabilized further at current levels. The benchmark 10 year treasury yield, used to forecast mortgage rates, is at 3.69, down -0.01.

FreeRateUpdate.com researches over 2 dozen wholesale lenders’ rate sheets on a daily basis. Rates in this article are verified as being available to well-qualified consumers today at .07 to 1 point origination, considered standard. These rates are referred to in the mortgage industry as “par rates”.

To display today’s mortgage rates on your website or blog use our today’s mortgage rates widget.

FHA mortgage rates continue to be nearly the same as conforming mortgage rates. FHA 30 year fixed loans can be obtained at 4.75 with about a point origination today. The big difference though is in closing costs. MI and other FHA fees make FHA loans far more expensive.

Nothing new with 30 year fixed jumbo rates which remain at 5.625. 5.5 is available to borrowers with an extremely low loan to value, under 60% LTV.

Looking for the lowest mortgage rates today? Click here to search local mortgage rates.

Mortgage-backed securities, which drive mortgage rates in the opposite direction, are unchanged today. The benchmark 10 year treasury yield, used to forecast 30 year mortgage rates, is up +0.03 and at 3.71 as of 12:16 PM PST.

FreeRateUpdate.com researches over 2 dozen wholesale mortgage lenders’ rate sheets to determine the most accurate mortgage rates. These rates are usually 1/4 below reported national averages, available to well-qualified consumers at a standard .07 to 1 point origination, and are commonly referred to in the mortgage industry as “par rates”.

To display today’s mortgage rates on your website or blog use our today’s mortgage rates widget.

Looking for the lowest mortgage rates today? Search local mortgage rates here.

Today’s Mortgage Rates According to FreeRateUpdate.com Research of Wholesale Mortgage Lenders’ Rate Sheets

30 year fixed mortgage rates today are at 4.75, for both conforming (standard Freddie MAC FRE and Fannie Mae FNM insured) and FHA (Federal Housing Administration) mortgages. Though conforming and FHA mortgages can be obtained at the same rate with about 1 point origination, FHA loans are far more expensive due to MI and other FHA mandated fees.

5/1 ARM rates are extremely low and also the same for conforming and FHA loans, at 3.625.

Today’s jumbo 30 year fixed rate, for jumbo mortgages exceeding the “jumbo conforming” limits (true jumbo a.k.a. super jumbo), is 5.625. Jumbo 30 year fixed mortgages can be obtained at a slightly better rate of 5.5 by borrowers with an extremely low LTV.

To display today’s mortgage rates on your website or blog please use our mortgage rates widget.

The rates reported in this article are available to well-qualified consumers with about 1 point origination as verified by FreeRateUpdate.com research of over 2 dozen wholesale lenders’ rate sheets. These rates are well known in the mortgage industry as “par rates” and are typically 1/4 percent below national averages.

The Fed’s Beige Book revealed a ‘modest’ improvement in the economy in 9 of 12 regions. The data’s effect on mortgage rates was limited. Mortgage-backed securities prices, which drive mortgage rates in the opposite direction, are up +5/32 (FNMA 30-yr 4.5 at 101.08). As a result of the gain in MBS prices it’s possible lenders’ will re-price favorably this afternoon. That means whatever it may have cost yesterday to secure a 4.75% 30 year fixed mortgage, it’s likely to be a little less today. 

The benchmark 10 year treasury yield, a leading indicator used to forecast mortgage rates, is at 3.61, up +0.01 on the day. The yield dipped below 3.2 when 30 year fixed mortgage rates reached 4.5% late last year.

Looking for the lowest current mortgage rates? Search local mortgage rates here.

The current conforming 30 year fixed rate, as stated above, remains 4.75% down from early last week. The current conforming 15 year fixed rate is 4.25%. The current conforming 5/1 ARM rate is 3.625%, down an 1/8 from early last week.

Current FHA mortgage rates the same as current conforming mortgage rates with the exception of the FHA 15 year fixed, which is at 4.5%. FHA loans come with MI and other FHA fees which make them far more expensive despite origination (points) being the same.

FreeRateUpdate.com researches over 2 dozen wholesale lenders’ rate sheets to determine the most accurate mortgage rates. All mortgage rates mentioned in this article are available to well-qualified borrowers with about 1 point origination.

To display current mortgage rates on your website or blog use our mortgage rates widget.

Looking for the lowest mortgage rates today? Search Today’s Local Mortgage Rates Here.

Current 30 year fixed rates for both conforming and FHA mortgage rates remain at 4.75. Last Thursday Freddie Mac (FRE) reported in their weekly survey results 30 year fixed mortgage rates moved up over 5%. This is not entirely accurate. Better mortgage rates have been available for well-qualified consumers and actually late last week mortgage rates declined by an 1/8.

Adjustable mortgage rates are super low. Conforming and FHA 5/1 ARM rates are available as low as 3.625 at par. That means you can get a 3.625 interest rate with about 1 point origination. Of course on an FHA loan you’re looking at MI and other FHA fees.

FreeRateUpdate.com researches over 2 dozen wholesale mortgage lenders’ rate sheets to determine the rates associated with about 1 point origination. The rates we report, known in the mortgage industry as “par rates”, are typically at least 1/4 below national averages reported by Bankrate and Freddie Mac.

To display today’s mortgage rates on your website or blog use our mortgage rates widget.

SUPER Jumbos at 5.75%. As always, jokes, recipies and loan scenarios are welcome at lololoans@yahoo.com .

Which way is UP?  Although there have been recent signs of recovery in the Housing Market, the grim fact is that a huge number of properties have lost a lot of equity. People in the know, experts, and the guy on the next barstool will be more than glad to remind everyone that the Market goes in cycles and it is only a matter of time before values start going up again. Well yes. Kind of like those bumper stickers that say “Keep Tahoe Blue” well YEAH,  duhhhh. Some homeowners may be in the position to nudge the value regaining process along a little by simply overpaying each month. Sounds simple but the math would be as follows (and this is based on a fixed rate mortgage)   Say a $400K Loan Amount at 5.0% on a 30yr loan. Payment is $2147.00/month. Bump it up about five hundred and you are on course for a TWENTY year amortization schedule. Even $100.00/month extra helps. And if you can’t swing it that month,  you simply make the lower 30yr payment. However there is an incentive to actually ReFi the loan itself in that the interest rate for a 20yr loan is lower than a 30yr, and the rate for a 15yr is lower than a 20yr. As of today the spread was  about a half a point between Conforming 30yr fixed and Conforming 15yr fixed.

*POV = Plain, Old Vanilla Home Mortgage: 30yr fixed, good credit, at least 20% equity, Single Family residence, Owner Occupied,  no open sores. Well ok a few…