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Today's mortgage rates - January 20, 2018

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As we expected, the average conforming 30-year FRM topped the 4 percent mark this week for the first time in 6 months. Freddie Mac reported today that the benchmark mortgage rose by 5 basis points (0.05 percent) to 4.04% for the week. Fifteen-year conforming FRMs also rose by five basis points to climb to 3.49%, while average offered rates on hybrid 5/1 ARMs remained unchanged at 3.46% for the period.

The move above 4% is said to be "psychologically important" in that in might incent homebuyers or refinancers to act differently than if rates were still below this mark. The truth is that on a $200,000 mortgage, the difference in rate between last week and this week increases the loan's monthly payment by less than $6 per month, hardly enough to get excited about.

Today's rates
4.04%

30-Year Fixed

3.49%

15-Year Fixed

3.46%

5/1 Year ARM

Source: Freddie Mac
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Today's mortgage rates from our partners

Personalize your rates and see how your rates change below Displaying Today's Mortgage Rates for a $302320 Refinance loan in Virginia.
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30 Yr. Fixed
4.335% APR
4.125% Rate - $1,465/ mo
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  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
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30 Yr. Fixed
4.813% APR
4.750% Rate - $1,578/ mo
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Fees

Loan Profile
Home Value Not Provided
First Mortgage Balance Not Provided
Second Mortgage Balance Not Provided
Cash Out Amount Not Provided
Requested Loan Amount $302,320
Lock Period 45 days
Estimated Monthly Payment
Principal and Interest $1,578
Total Monthly Payment $1,578
Estimated Fees at Closing
Origination Fee $1,400
Processing Fee $795
Total Fees $2,195

About the Lender

  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.
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30 Yr. Fixed
3.954% APR
3.750% Rate - $1,400/ mo
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connect with lender directly.
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30 Yr. Fixed
4.311% APR
4.250% Rate - $1,488/ mo
Click to
connect with lender directly.

Fees

Loan Profile
Home Value Not Provided
First Mortgage Balance Not Provided
Second Mortgage Balance Not Provided
Cash Out Amount Not Provided
Requested Loan Amount $302,320
Lock Period 45 days
Estimated Monthly Payment
Principal and Interest $1,488
Total Monthly Payment $1,488
Estimated Fees at Closing
Origination Fee $1,400
Processing Fee $795
Total Fees $2,195

About the Lender

  • Fast, Powerful and Completely Online
  • Get an approval to buy a home or refinance your mortgage in minutes.
  • Save time & avoid paperwork by sharing your financial info instantly.
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