30 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey
Mortgage Rates for Feb. 05 - 12 , 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 © 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.
|Lender||State||Phone||Lending Area||% down
|BANK OF AMERICA||OR||503-279-3200||ALL OREGON||20||3.625||0.042||1000|
|BANK OF AMERICA||NC||704-386-6188||ALL NORTH CAROLINA||20||3.5||0.558||417|
|BANK OF AMERICA MORTGAGE||MO||636-305-3370||ALL MISSOURI||20||3.625||0.054||650|
|BANK OF TEXAS MORTGAGE||TX||214-346-3970||ALL TEXAS||20||3.875||0.125||1500|
|BANK OF THE WEST||OR||503-224-7066||ALL OREGON||20||3.5||0||650|
|CAPITAL ONE BANK HOME LOANS||MD||301-310-5054||SOUTH MD,WASH DC,NORTH VA||10||3.5||0||2500|
|CAPITAL ONE BANK HOME LOANS||MD||301-310-5054||SOUTH MD,WASH DC,NORTH VA||10||3.5||0||625|
|CONNECTICUT FINANCIAL MORTGAGE||CT||203-325-2215||ALL CONNECTICUT||20||4.25||0||1000|
|GSL SAVINGS BANK||NJ||201-869-9300||ALL NEW JERSEY||20||4||0||417|
|JOHNSON BANK||WI||414-304-7000||ALL WISCONSIN||20||4||0||650|
|JOHNSON BANK||WI||920-225-5500||ALL WISCONSIN||20||3.65||0||417|
|PYRAMAX BANK||WI||414-645-5962||ALL WISCONSIN||20||3.5||0||417|
|REGIONS MORTGAGE||MO||636-386-8072||ALL MISSOURI||20||3.75||0||650|
|SALISBURY BANK & TRUST||CT||860-435-9801||LTCHFD CT,DTCHS NY,BERKS MA||20||3.625||0||417|
|UMPQUA BANK||OR||888-287-1597||ALL OREGON||20||3.75||0||417|
|UNIVERSAL LENDING CORP||CO||303-758-4969||ALL COLORADO||5||3.625||0||417|
|US BANK||OR||503-944-4040||ALL OREGON||20||3.625||0||417|
|WEBSTER BANK||CT||860-244-8002||ALL CONNECTICUT||20||3.75||0||650|
|WEBSTER BANK||CT||860-244-8002||ALL CONNECTICUT||10||3.5||0||417|
|WELLS FARGO HOME MORTGAGE||NC||919-401-1060||ALL NORTH CAROLINA,SC||20||3.625||0||1000|
|Be sure to see our other loan samples:|
|15-Year FRMs||1-Year ARMs||5/1-Year Hybrid ARMs|
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