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Today's Rates

Last update: Apr 8 2010 5:57PM 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
4.750 1.702 4.948
4.875 0.885 5.001
5.000 0.457 5.088
5.125 0.076 5.18
5.250 -0.969 5.212
20 yr fixed conforming
15 yr fixed conforming
4.250 1.096 4.496
4.375 0.380 4.514
4.500 0.050 4.589
4.625 -0.261 4.667
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...
30/5 yr fixed or 5/1 ARM
Lower fixed rate for the first 5
3.125 1.951 3.321
3.250 1.635 3.339
3.375 1.289 3.355
3.500 0.949 3.372
3.625 0.612 3.389
30/7 yr fixed or 7/1 ARM
Lower fixed rate for the first 7
3.625 1.840 3.549
3.750 1.438 3.575
3.875 1.037 3.602
4.000 0.638 3.628
4.125 0.239 3.655
10/1 ARM
Lower fixed rate for the first 10
4.125 1.760 3.043
4.250 1.312 3.087
4.375 0.866 3.131
4.500 0.419 3.176
4.625 -0.028 3.22
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
4.875 1.781 5.057
5.000 1.366 5.146
5.125 1.056 5.244
5.250 0.136 5.286
5.375 -0.551 5.35
20 yr fixed jumbo
15 yr fixed jumbo
4.250 1.579 4.529
4.375 0.841 4.542
4.500 0.541 4.622
4.625 0.257 4.705
4.750 -0.751 4.678
3/1 jumbo ARM
5/1 jumbo ARM
3.625 1.654 3.452
3.750 1.308 3.468
3.875 0.980 3.486
4.000 0.706 3.508
4.125 0.495 3.536
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
3/1 ARM Interest-Only
5/1 ARM Interest-Only
7/1 ARM Interest-Only
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.