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Today's mortgage rates - January 17, 2017

The decline in mortgage rates continued this week, with Freddie Mac reporting that the average conforming 30-year fixed-rate declined by another 8 basis points (0.08 percent) to ease to 4.12 percent. So far, the cumulative decline in rates totals 20 basis points, or about one-third of the increase tallied since the results of the election were announced back in November. Fifteen-year FRMs shed seven basis points, drifting lower to 3.37 percent, while hybrid 5/1 ARMs declined by a full tenth of a percentage point (0.10 percent), ending the survey week at 3.23 percent.

We may be near the bottom of a working range at the moment with limited additional downside for rates. The recent decline may be reflective of a lessening of the investor exuberance that occurred post-election, as the difficulty of effecting meaningful change in a fractious political environment may be starting to be seen.

Today's rates
4.12%

30-Year Fixed

3.37%

15-Year Fixed

3.23%

5/1 Year ARM

Source: Freddie Mac

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