30 Year Fixed Mortgage Rates: Current mortgage rates from lenders in the HSH editorial survey
Mortgage Rates for Jul. 22 - 29 , 2016*
|Product||Interest Rate||Points||National Average|
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- Rate changes: Never; fully fixed for entire term
- Benefits: Low, stable payment; usually easiest qualification
- Alternative Strategy: Consider Hybrid ARM with appropriate fixed period
- Useful for: Purchasing a home; first-time homebuyers; refinancing to improve cash flow/lower payment
- Consider if: Buying or refinancing a home and planning on owning for longer than 10 years
- When shopping, ask about: "Full cost" vs. "No cost" refinances, prepaying loan to shorten term if desired
Here's a small random sample of loan rates drawn from the survey of objective information we collect every day. Our database contains current data on thousands of loans from lenders coast to coast -- including jumbo loans.
Unlike other 'surveys,' and other Web sites, the below mortgage rates are not advertisements. HSH contacts lenders across the country every week -- the same objective survey we've conducted for over 30 years. Our data is so reliable that it's used by Fortune 500 companies, government agencies, the media, and other clients.
These are representative of loans which may be offered in your area, but we don't claim that these are the "best" available. There are many factors which make the "best" loan dependent upon your individual circumstance.
Ready to order your comprehensive list of local lenders? We can email the latest mortgage report to you for just $10 (plus $1 s/h). It includes the application fee, APR, rate-lock info, index, margin, and caps on 3 or more loans per lender. Or you can order it as part of our Homebuyer's Mortgage Kit, which is just $20 (plus $3 s/h).
To order a report for your area by Phone, just call 1-800-873-2837 (Mon-Fri, 9am-5pm Eastern time); Visa and MasterCard accepted.
All information is Copyright © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.
|Lender||State||Phone||Lending Area||% down
|BMO HARRIS BANK||WI||262-255-4600||ALL WISCONSIN||20||3.75||0||1000|
|BMO HARRIS BANK||WI||262-255-4600||ALL WISCONSIN||20||3.5||0||417|
|CONNECT ONE BANK||NJ||201-816-8900||ALL NEW JERSEY||20||3.375||0||417|
|CONNECTICUT FINANCIAL MORTGAGE||CT||203-325-2215||ALL CONNECTICUT||20||3.625||0||1000|
|CONNECTICUT FINANCIAL MORTGAGE||CT||203-325-2215||ALL CONNECTICUT||5||3.25||0||417|
|FIRST MERIT BANK||MI||248-258-5300||ALL MICHIGAN||20||3.625||0||417|
|FIRST-CITIZENS BANK||NC||336-631-2400||ALL NORTH CAROLINA||20||3.5||0.38||417|
|FREEHOLD SAVINGS & LOAN||NJ||732-462-6700||MONMOUTH,OCEAN||20||3.625||0||417|
|GLEN ROCK SAVINGS BANK||NJ||973-636-5888||NORTHERN NEW JERSEY||20||3.5||0||417|
|GLEN ROCK SAVINGS BANK||NJ||973-636-5888||NORTHERN NEW JERSEY||20||3.5||0||1500|
|GROUP ONE DBA ROSS MORTGAGE||MI||248-282-1602||ALL MICHIGAN||20||3.625||0||417|
|HUNTINGTON MORTGAGE COMPANY||NJ||800-828-1318||ALL NEW JERSEY||5||3.375||0||625|
|HUNTINGTON MORTGAGE COMPANY||OH||216-447-4424||NORTHERN OHIO||20||4.6||0||650|
|HUNTINGTON MORTGAGE COMPANY||OH||216-447-4424||NORTHERN OHIO||5||3.75||0||417|
|HUNTINGTON MORTGAGE COMPANY||NJ||800-828-1318||ALL NEW JERSEY||30||4||0||1000|
|HUNTINGTON MORTGAGE COMPANY||OH||614-480-6505||ALL OHIO||20||4.6||0||650|
|HUNTINGTON MORTGAGE COMPANY||NJ||800-828-1318||ALL NEW JERSEY||5||3.25||0||417|
|NBT BANK||NY||607-337-2265||ALL NEW YORK||5||3.375||0||417|
|NBT BANK||NY||607-337-2265||ALL NEW YORK||20||3.375||0||600|
|Be sure to see our other loan samples:|
|15-Year FRMs||1-Year ARMs||5/1-Year Hybrid ARMs|
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