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Fixed Mortgage Rates Rise Slightly
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Fixed Mortgage Rates Rise Slightly
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December 7, 2012 (Shirley Allen)

Interest rates for fixed rate mortgages increased slightly this week but still remained near their record lows according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending December 6th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages were up slightly this week with the 30-year fixed rate averaging 3.34 percent with an average of 0.87points, up from last week’s average of 3.32 percent. It was the 37th consecutive week that mortgage rates have been under four percent. A year ago, the 30-year fixed rate mortgage averaged 3.99 percent.

Average 30-year rates were the lowest in the Western and North Central portion of the United States where mortgage rates averaged 3.31 percent while the highest rates were reported in the Northeastern area of the country where interest rates averaged 3.39 percent.

The 15-year fixed rate mortgage averaged 2.67 percent with an average of 0.6 points, up from an average of 2.64 percent last week. Mortgage rates for the 15-year fixed mortgage have been under three percent for 27 consecutive weeks. At this time last year, the 15-year fixed rate mortgage averaged 3.27 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable-rate mortgages were down this week with the 5-year Treasury-indexed hybrid ARM averaging 2.69 percent, with an average of 0.6 points, down from an average of 2.72 percent last week. The 5-year adjustable rate mortgage averaged 2.93 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.55 percent with an average of 0.5 points, down from an average of 2.56 percent the previous week. A year ago, the 1-year adjustable rate mortgage averaged 2.80 percent.

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.34 3.39 3.35 3.31 3.34 3.31
Fees & Points 0.7 0.5 0.7 0.7 0.7 0.7

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 2.67 2.71 2.69 2.63 2.67 2.65
Fees & Points 0.6 0.5 0.7 0.6 0.7 0.6

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.69 2.78 2.67 2.73 2.68 2.61
Fees & Points 0.6 0.6 0.7 0.8 0.7 0.5
Margin 2.74 2.73 2.75 2.75 2.76 2.73

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.55 2.52 2.53 2.53 2.53 2.60
Fees & Points 0.4 0.6 0.4 0.7 0.4 0.3
Margin 2.76 2.79 2.75 2.73 2.77 2.75

The National Mortgage Rate Snapshot One Year Ago One Week Ago
  30-YR 15-YR 5/1-YR 1-YR ARM 30-YR 15-YR 5/1-YR 1-YR ARM
Average 3.99   3.27   2.93   2.80   3.32   2.64   2.72   2.56  
Fees & Points 0.7   0.8   0.5   0.6   0.8   0.6   0.6   0.5  
Margin N/A N/A 2.74   2.76   N/A N/A 2.74   2.76  

Tags: 15 year fixed, 30 year fixed, fixed rate mortgage, freddie mac, interest rates, mortgage rates, 5-year hybrid, 1-year treasury

Source:
Freddie Mac

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Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
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NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use
Helpful Tools
Mortgage
Calculator
Estimate your monthly mortgage payment
Auto Loan
Calculator
Determine how much car you can afford before buying
Learn About
Mortgage Loans
Learn about the different types of home loans
15 Year vs 30 Year
Loan Comparison
Compare 15 year and 30 year mortgage loans
Todays Mortgage
Rates
See today's mortgage rates. Shop, compare and save.

December 7, 2012 (Shirley Allen)

Interest rates for fixed rate mortgages increased slightly this week but still remained near their record lows according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending December 6th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages were up slightly this week with the 30-year fixed rate averaging 3.34 percent with an average of 0.87points, up from last week’s average of 3.32 percent. It was the 37th consecutive week that mortgage rates have been under four percent. A year ago, the 30-year fixed rate mortgage averaged 3.99 percent.

Average 30-year rates were the lowest in the Western and North Central portion of the United States where mortgage rates averaged 3.31 percent while the highest rates were reported in the Northeastern area of the country where interest rates averaged 3.39 percent.

The 15-year fixed rate mortgage averaged 2.67 percent with an average of 0.6 points, up from an average of 2.64 percent last week. Mortgage rates for the 15-year fixed mortgage have been under three percent for 27 consecutive weeks. At this time last year, the 15-year fixed rate mortgage averaged 3.27 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable-rate mortgages were down this week with the 5-year Treasury-indexed hybrid ARM averaging 2.69 percent, with an average of 0.6 points, down from an average of 2.72 percent last week. The 5-year adjustable rate mortgage averaged 2.93 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.55 percent with an average of 0.5 points, down from an average of 2.56 percent the previous week. A year ago, the 1-year adjustable rate mortgage averaged 2.80 percent.

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.34 3.39 3.35 3.31 3.34 3.31
Fees & Points 0.7 0.5 0.7 0.7 0.7 0.7

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 2.67 2.71 2.69 2.63 2.67 2.65
Fees & Points 0.6 0.5 0.7 0.6 0.7 0.6

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.69 2.78 2.67 2.73 2.68 2.61
Fees & Points 0.6 0.6 0.7 0.8 0.7 0.5
Margin 2.74 2.73 2.75 2.75 2.76 2.73

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.55 2.52 2.53 2.53 2.53 2.60
Fees & Points 0.4 0.6 0.4 0.7 0.4 0.3
Margin 2.76 2.79 2.75 2.73 2.77 2.75

The National Mortgage Rate Snapshot One Year Ago One Week Ago
  30-YR 15-YR 5/1-YR 1-YR ARM 30-YR 15-YR 5/1-YR 1-YR ARM
Average 3.99   3.27   2.93   2.80   3.32   2.64   2.72   2.56  
Fees & Points 0.7   0.8   0.5   0.6   0.8   0.6   0.6   0.5  
Margin N/A N/A 2.74   2.76   N/A N/A 2.74   2.76  

Tags: 15 year fixed, 30 year fixed, fixed rate mortgage, freddie mac, interest rates, mortgage rates, 5-year hybrid, 1-year treasury

Source:
Freddie Mac

FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateNetwork and the offers you have received, you've found the right product and the best rate.
HOW LOANRATENETWORK
LOAN CENTER WORKS
ADVANTAGES OF USING
LOANRATENETWORK
FAST & EASY. DATA ENCRYPTED
Applying to multiple lenders is fast and easy with our one simple questionnaire. Choose the product you’re looking for, take a few moments to answer a few questions and you’re on your way to saving.
NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use
Helpful Tools

December 7, 2012 (Shirley Allen)

Interest rates for fixed rate mortgages increased slightly this week but still remained near their record lows according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending December 6th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages were up slightly this week with the 30-year fixed rate averaging 3.34 percent with an average of 0.87points, up from last week’s average of 3.32 percent. It was the 37th consecutive week that mortgage rates have been under four percent. A year ago, the 30-year fixed rate mortgage averaged 3.99 percent.

Average 30-year rates were the lowest in the Western and North Central portion of the United States where mortgage rates averaged 3.31 percent while the highest rates were reported in the Northeastern area of the country where interest rates averaged 3.39 percent.

The 15-year fixed rate mortgage averaged 2.67 percent with an average of 0.6 points, up from an average of 2.64 percent last week. Mortgage rates for the 15-year fixed mortgage have been under three percent for 27 consecutive weeks. At this time last year, the 15-year fixed rate mortgage averaged 3.27 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable-rate mortgages were down this week with the 5-year Treasury-indexed hybrid ARM averaging 2.69 percent, with an average of 0.6 points, down from an average of 2.72 percent last week. The 5-year adjustable rate mortgage averaged 2.93 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.55 percent with an average of 0.5 points, down from an average of 2.56 percent the previous week. A year ago, the 1-year adjustable rate mortgage averaged 2.80 percent.

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.34 3.39 3.35 3.31 3.34 3.31
Fees & Points 0.7 0.5 0.7 0.7 0.7 0.7

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 2.67 2.71 2.69 2.63 2.67 2.65
Fees & Points 0.6 0.5 0.7 0.6 0.7 0.6

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.69 2.78 2.67 2.73 2.68 2.61
Fees & Points 0.6 0.6 0.7 0.8 0.7 0.5
Margin 2.74 2.73 2.75 2.75 2.76 2.73

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.55 2.52 2.53 2.53 2.53 2.60
Fees & Points 0.4 0.6 0.4 0.7 0.4 0.3
Margin 2.76 2.79 2.75 2.73 2.77 2.75

The National Mortgage Rate Snapshot One Year Ago One Week Ago
  30-YR 15-YR 5/1-YR 1-YR ARM 30-YR 15-YR 5/1-YR 1-YR ARM
Average 3.99   3.27   2.93   2.80   3.32   2.64   2.72   2.56  
Fees & Points 0.7   0.8   0.5   0.6   0.8   0.6   0.6   0.5  
Margin N/A N/A 2.74   2.76   N/A N/A 2.74   2.76  

Tags: 15 year fixed, 30 year fixed, fixed rate mortgage, freddie mac, interest rates, mortgage rates, 5-year hybrid, 1-year treasury

Source:
Freddie Mac

HOW LOANRATENETWORK
LOAN CENTER WORKS
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateNetwork and the offers you have received, you've found the right product and the best rate.
ADVANTAGES OF USING
LOANRATENETWORK
FAST & EASY. DATA ENCRYPTED
Applying to multiple lenders is fast and easy with our one simple questionnaire. Choose the product you’re looking for, take a few moments to answer a few questions and you’re on your way to saving.
NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT
CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use

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