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Mortgage Rates Move Slightly Higher, 5-Year ARM Hits Record Low
Mortgage Rates Move Slightly Higher, 5-Year ARM Hits Record Low
Mortgage Rates Move Slightly Higher, 5-Year ARM Hits Record Low
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April 19, 2012 (Shirley Allen)

Fixed mortgage rates moved slightly higher this week but the 5-year adjustable rate mortgage hit a new all-time record low according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending April 19th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages edged slightly higher this week with the 30-year fixed rate averaging 3.90 percent with an average of 0.8 points, up from an average of 3.88 percent last week. A year ago, the 30-year fixed rate mortgage averaged 4.80 percent.

The 15-year fixed rate mortgage was also higher, averaging 3.13 percent with an average of 0.7 points, up from last week’s record low average of 3.11 percent. At this time last year, the 15-year fixed rate mortgage averaged 4.02 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable mortgages were mixed last week with the 5-year Treasury-indexed hybrid ARM averaging a new record low of 2.78 percent, down from last week’s average of 2.85 percent, with an average of 0.7 points. The 5-year adjustable rate mortgage averaged 3.61 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.81 percent with an average of 0.6 points, up from last week’s average of 2.80 percent. A year ago, the 1-year adjustable rate mortgage averaged 3.16 percent.

Frank Nothaft, vice president and chief economist of Freddie Mac, stated, “Fixed mortgage rates held relatively stable this week amid signs that inflation remains in check. Industrial production was flat in March, a reading below the market consensus forecast. Meanwhile, both headline inflation gauges (the consumer and producer price indexes) for March were in line with market expectations.”

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.88 3.88 3.91 3.89 3.90 3.85
Fees & Points 0.7 0.8 0.8 0.6 0.8 0.8

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.11 3.12 3.14 3.09 3.18 3.07
Fees & Points 0.7 0.7 0.8 0.6 0.8 0.8

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.85 2.83 2.86 3.10 2.75 2.75
Fees & Points 0.7 0.8 0.7 0.5 0.9 0.7
Margin 2.74 2.74 2.75 2.72 2.76 2.74

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.80 2.89 2.61 3.14 2.66 2.64
Fees & Points 0.6 0.7 0.6 0.4 0.6 0.5
Margin 2.76 2.79 2.75 2.72 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 4.91   4.13   3.78   3.25   3.98   3.21   2.86   2.78  
Fees & Points 0.6   0.7   0.6   0.6   0.7   0.7   0.8   0.6  
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
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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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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.
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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.
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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.

April 19, 2012 (Shirley Allen)

Fixed mortgage rates moved slightly higher this week but the 5-year adjustable rate mortgage hit a new all-time record low according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending April 19th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages edged slightly higher this week with the 30-year fixed rate averaging 3.90 percent with an average of 0.8 points, up from an average of 3.88 percent last week. A year ago, the 30-year fixed rate mortgage averaged 4.80 percent.

The 15-year fixed rate mortgage was also higher, averaging 3.13 percent with an average of 0.7 points, up from last week’s record low average of 3.11 percent. At this time last year, the 15-year fixed rate mortgage averaged 4.02 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable mortgages were mixed last week with the 5-year Treasury-indexed hybrid ARM averaging a new record low of 2.78 percent, down from last week’s average of 2.85 percent, with an average of 0.7 points. The 5-year adjustable rate mortgage averaged 3.61 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.81 percent with an average of 0.6 points, up from last week’s average of 2.80 percent. A year ago, the 1-year adjustable rate mortgage averaged 3.16 percent.

Frank Nothaft, vice president and chief economist of Freddie Mac, stated, “Fixed mortgage rates held relatively stable this week amid signs that inflation remains in check. Industrial production was flat in March, a reading below the market consensus forecast. Meanwhile, both headline inflation gauges (the consumer and producer price indexes) for March were in line with market expectations.”

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.88 3.88 3.91 3.89 3.90 3.85
Fees & Points 0.7 0.8 0.8 0.6 0.8 0.8

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.11 3.12 3.14 3.09 3.18 3.07
Fees & Points 0.7 0.7 0.8 0.6 0.8 0.8

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.85 2.83 2.86 3.10 2.75 2.75
Fees & Points 0.7 0.8 0.7 0.5 0.9 0.7
Margin 2.74 2.74 2.75 2.72 2.76 2.74

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.80 2.89 2.61 3.14 2.66 2.64
Fees & Points 0.6 0.7 0.6 0.4 0.6 0.5
Margin 2.76 2.79 2.75 2.72 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 4.91   4.13   3.78   3.25   3.98   3.21   2.86   2.78  
Fees & Points 0.6   0.7   0.6   0.6   0.7   0.7   0.8   0.6  
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

April 19, 2012 (Shirley Allen)

Fixed mortgage rates moved slightly higher this week but the 5-year adjustable rate mortgage hit a new all-time record low according to Freddie Mac’s Primary Mortgage Market Survey® (PMMS) for the week ending April 19th.

Fixed Rate Mortgages:

Interest rates on fixed rate mortgages edged slightly higher this week with the 30-year fixed rate averaging 3.90 percent with an average of 0.8 points, up from an average of 3.88 percent last week. A year ago, the 30-year fixed rate mortgage averaged 4.80 percent.

The 15-year fixed rate mortgage was also higher, averaging 3.13 percent with an average of 0.7 points, up from last week’s record low average of 3.11 percent. At this time last year, the 15-year fixed rate mortgage averaged 4.02 percent.

Adjustable Rate Mortgages:

Interest rates for adjustable mortgages were mixed last week with the 5-year Treasury-indexed hybrid ARM averaging a new record low of 2.78 percent, down from last week’s average of 2.85 percent, with an average of 0.7 points. The 5-year adjustable rate mortgage averaged 3.61 percent a year earlier.

The 1-year Treasury-indexed adjustable rate mortgage averaged 2.81 percent with an average of 0.6 points, up from last week’s average of 2.80 percent. A year ago, the 1-year adjustable rate mortgage averaged 3.16 percent.

Frank Nothaft, vice president and chief economist of Freddie Mac, stated, “Fixed mortgage rates held relatively stable this week amid signs that inflation remains in check. Industrial production was flat in March, a reading below the market consensus forecast. Meanwhile, both headline inflation gauges (the consumer and producer price indexes) for March were in line with market expectations.”

30-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.88 3.88 3.91 3.89 3.90 3.85
Fees & Points 0.7 0.8 0.8 0.6 0.8 0.8

15-Year Fixed Rate Mortgages US NE SE NC SW W
Average 3.11 3.12 3.14 3.09 3.18 3.07
Fees & Points 0.7 0.7 0.8 0.6 0.8 0.8

5/1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.85 2.83 2.86 3.10 2.75 2.75
Fees & Points 0.7 0.8 0.7 0.5 0.9 0.7
Margin 2.74 2.74 2.75 2.72 2.76 2.74

1-Year Adjustable Rate Mortgages US NE SE NC SW W
Average 2.80 2.89 2.61 3.14 2.66 2.64
Fees & Points 0.6 0.7 0.6 0.4 0.6 0.5
Margin 2.76 2.79 2.75 2.72 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 4.91   4.13   3.78   3.25   3.98   3.21   2.86   2.78  
Fees & Points 0.6   0.7   0.6   0.6   0.7   0.7   0.8   0.6  
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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