Today's Rates
Last update: Mar 12 2010 9:42AM PST
Conforming | Jumbo | Interest-Only Conforming | Interest-Only Jumbo
Conforming Loan Programs
Conforming rates for loans to $417,000.
30 yr fixed conforming
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4.750 |
1.061 |
4.89 |
| 4.875 |
0.247 |
4.944 |
| 5.000 |
-0.175 |
5.032 |
| 5.125 |
-0.545 |
5.125 |
| 5.250 |
-1.613 |
5.155 |
20 yr fixed conforming
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15 yr fixed conforming
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4.000 |
1.359 |
4.285 |
| 4.125 |
0.934 |
4.346 |
| 4.250 |
0.375 |
4.387 |
| 4.375 |
-0.315 |
4.409 |
| 4.500 |
-0.670 |
4.481 |
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...
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30/5 yr fixed or 5/1 ARM
Lower fixed rate for the first 5 |
3.250 |
1.711 |
3.334 |
| 3.375 |
1.365 |
3.35 |
| 3.500 |
1.025 |
3.366 |
| 3.625 |
0.688 |
3.383 |
| 3.750 |
0.352 |
3.4 |
30/7 yr fixed or 7/1 ARM
Lower fixed rate for the first 7 |
4.000 |
0.827 |
3.635 |
| 4.125 |
0.428 |
3.661 |
| 4.250 |
0.205 |
3.703 |
| 4.375 |
0.045 |
3.75 |
| 4.500 |
-0.045 |
3.803 |
10/1 ARM
Lower fixed rate for the first 10 |
4.125 |
1.726 |
3.033 |
| 4.250 |
1.278 |
3.077 |
| 4.375 |
0.832 |
3.121 |
| 4.500 |
0.385 |
3.165 |
| 4.625 |
-0.062 |
3.21 |
1 year ARM
Lower fixed rate for the first 1 |
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6 Month ARM
Lower fixed rate for the first 6 mo |
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Jumbo rates for loans over $417,000.
30 yr fixed jumbo
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4.875 |
1.105 |
4.996 |
| 5.000 |
0.749 |
5.09 |
| 5.125 |
0.468 |
5.191 |
| 5.250 |
-0.378 |
5.24 |
| 5.375 |
-1.058 |
5.305 |
20 yr fixed jumbo
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15 yr fixed jumbo
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4.250 |
0.758 |
4.404 |
| 4.375 |
0.099 |
4.43 |
| 4.500 |
-0.184 |
4.513 |
| 4.625 |
-0.450 |
4.598 |
| 4.750 |
-0.932 |
4.651 |
3/1 jumbo ARM
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5/1 jumbo ARM
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3.625 |
1.639 |
3.439 |
| 3.750 |
1.293 |
3.455 |
| 3.875 |
0.967 |
3.473 |
| 4.000 |
0.693 |
3.496 |
| 4.125 |
0.482 |
3.523 |
7/1 jumbo ARM
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10/1 jumbo ARM
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1 year ARM
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6 Month ARM
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Conforming rates for loans to $417,000.
30 yr fixed conforming Interest-Only
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5.250 |
1.042 |
5.391 |
| 5.375 |
0.245 |
5.445 |
| 5.500 |
-0.334 |
5.519 |
| 5.625 |
-0.705 |
5.61 |
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3/1 ARM Interest-Only
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5/1 ARM Interest-Only
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7/1 ARM Interest-Only
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10/1 ARM Interest-Only
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Jumbo rates for loans over $417,000.
30 yr fixed jumbo Interest-Only
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3/1 ARM jumbo Interest-Only
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5/1 ARM jumbo Interest-Only
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7/1 ARM jumbo Interest-Only
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10/1 ARM jumbo Interest-Only
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Home Equity Rates
| Home Equity Line |
5.750 |
1.000 |
5.397 |
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| Home Equity Loan |
9.000 |
1.000 |
9.346 |
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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.
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