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Today’s Mortgage Rates and Refinance Rates

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Product Interest Rate APR
Conforming and FHA Loans
30-Year Fixed Rate 4.000% 4.050%
30-Year Fixed-Rate FHA 3.750% 4.793%
15-Year Fixed Rate 3.375% 3.427%
7/1 ARM 3.250% 3.153%
5/1 ARM FHA 3.250% 3.536%
Larger Loan Amounts in Eligible Areas – Conforming and FHA.
30-Year Fixed Rate 4.125% 4.125%
30-Year Fixed-Rate FHA 3.750% 4.756%
7/1 ARM 3.500% 3.241%
Jumbo Loans– Amounts that exceed conforming loan limits
30-Year Fixed Rate 3.875% 3.880%
7/1 ARM 3.250% 3.121%
as of 05/22/2015 10:19 AM Eastern Standard Time

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Product Interest Rate APR
Conforming and FHA Loans
30-Year Fixed Rate 4.125% 4.173%
30-Year Fixed-Rate FHA 3.875% 4.917%
15-Year Fixed Rate 3.375% 3.458%
7/1 ARM 3.250% 3.171%
5/1 ARM FHA 3.500% 3.638%
Larger Loan Amounts in Eligible Areas – Conforming and FHA.
30-Year Fixed Rate 4.125% 4.148%
30-Year Fixed-Rate FHA 4.000% 4.993%
7/1 ARM 3.500% 3.254%
Jumbo Loans– Amounts that exceed conforming loan limits
30-Year Fixed Rate 4.125% 4.131%
7/1 ARM 3.375% 3.188%
as of 05/22/2015 10:19 AM Eastern Standard Time

Select a product to view important disclosures, payments, assumptions, and APR information.

Learn more about your options with a refinance analysis. Schedule a Refinance Consultation
Find a local consultant or call 1-877-937-9357
 

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APR

A yearly percentage rate that expresses the total finance charge on a loan over its entire term. The APR includes the interest rate, fees, points, and mortgage insurance, and is therefore a more complete measure of a loan's cost than the interest rate alone. The loan's interest rate, not its APR, is used to calculate the monthly principal and interest payment.

Interest Rate

The percentage of an amount of money which is paid for its use for a specified time.

Conforming

Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally purchase first mortgages up to loan amounts mandated by Congressional directive.

FHA

A mortgage that is backed by the Federal Housing Administration (FHA). Along with VA loans, an FHA loan will often be referred to as a government loan.

Larger Loan Amounts in Eligible Areas

In federally designated metropolitan areas, conventional and FHA loan limits have been increased to assist homebuyers.

Jumbo

A loan that exceeds Fannie Mae's and Freddie Mac's loan limits. Also called a non-conforming loan.