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Today's Rates

Last update: Jul 3 2009 5:28PM PST

Conforming | Jumbo | Interest-Only Conforming | Interest-Only Jumbo

Conforming Loan Programs

Conforming rates for loans to $417,000.

Program Rates Points APR
30 yr fixed conforming
4.625 2.000 4.848
4.750 1.375 4.918
4.875 0.625 4.978
5.000 0.125 5.059
5.125 -0.250 5.151
20 yr fixed conforming
15 yr fixed conforming
4.250 1.250 4.52
4.375 0.625 4.551
4.500 0.125 4.6
4.625 -0.250 4.669
4.750 -0.625 4.738
3/1 ARM
Lower fixed rate for the first 3 years. The average person kept their mortgage loan for 4.17 years in 1997-2002. Most people refinance every 3-5 years. I.e.: Lower rates, debt consolidation, college education, to open a business, etc...
4.000 1.625 4.554
4.125 1.375 4.562
4.250 1.125 4.569
4.375 0.875 4.577
4.500 0.625 4.585
30/5 yr fixed or 5/1 ARM
Lower fixed rate for the first 5
4.250 0.875 4.517
4.375 0.625 4.542
4.500 0.375 4.566
4.625 0.125 4.591
4.750 -0.125 4.615
30/7 yr fixed or 7/1 ARM
Lower fixed rate for the first 7
4.500 1.125 4.634
4.625 0.875 4.673
4.750 0.625 4.713
4.875 0.375 4.752
5.000 0.125 4.792
10/1 ARM
Lower fixed rate for the first 10
6.250 1.866 5.515
1 year ARM
Lower fixed rate for the first 1
6 Month ARM
Lower fixed rate for the first 6 mo
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Jumbo Loan Programs

Jumbo rates for loans over $417,000.

Program Rates Points APR
30 yr fixed jumbo
5.125 1.598 5.293
5.250 1.236 5.386
5.375 0.661 5.459
6.500 0.515 6.576
6.625 0.278 6.678
20 yr fixed jumbo
15 yr fixed jumbo
4.875 1.530 5.151
5.000 1.255 5.234
5.125 1.054 5.329
5.250 0.646 5.391
5.375 0.195 5.447
3/1 jumbo ARM
5/1 jumbo ARM
4.500 1.806 4.667
4.625 1.556 4.692
4.750 1.308 4.717
4.875 1.062 4.742
5.000 0.822 4.768
7/1 jumbo ARM
10/1 jumbo ARM
1 year ARM
6 Month ARM
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Interest-Only Conforming Loan Programs

Conforming rates for loans to $417,000.

Program Rates Points APR
30 yr fixed conforming Interest-Only
5.625 1.389 5.801
5.750 1.267 5.916
5.875 0.644 5.984
6.000 0.327 6.08
6.125 0.227 6.197
3/1 ARM Interest-Only
4.000 1.875 4.573
4.125 1.625 4.581
4.250 1.375 4.589
4.375 1.125 4.597
4.500 0.875 4.605
5/1 ARM Interest-Only
4.250 1.125 4.537
4.375 0.875 4.562
4.500 0.625 4.586
4.625 0.375 4.611
4.750 0.125 4.636
7/1 ARM Interest-Only
4.500 1.375 4.653
4.625 1.125 4.693
4.750 0.875 4.733
4.875 0.625 4.773
5.000 0.375 4.813
10/1 ARM Interest-Only
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Interest-Only Jumbo Loan Programs

Jumbo rates for loans over $417,000.

Program Rates Points APR
30 yr fixed jumbo Interest-Only
3/1 ARM jumbo Interest-Only
5/1 ARM jumbo Interest-Only
7/1 ARM jumbo Interest-Only
10/1 ARM jumbo Interest-Only
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Home Equity Rates

Program Rates Points APR
Home Equity Line 5.750 1.000 5.397
Home Equity Loan 9.000 1.000 9.346

APRs are calculated based on a Conforming loan amount of $240,000, or a Jumbo loan amount of $480,000. Points/fees/rates may vary for different loan amounts.