![]() By refinancing your existing loan, your total finance charge may be higher over the life of the loan. Rates data is based on a borrower with good credit, a conforming loan amount (at least 200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80 (For. For today, Tuesday, December 19, 2023, the national average 30-year FHA mortgage interest rate is 6.05, down compared to last week’s of 6.47. Products are subject to availability on a state-by-state basis. Todays national FHA mortgage interest rate trends. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee. Use our mortgage rate comparison tool to compare mortgage quotes with current rates from our participating mortgage lenders. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, a $10 flood certification fee, and a $20 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee, and a $20 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee, and a $20 credit report fee. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. Mortgage rates are volatile and subject to change without notice. The average rate youll pay for a 30-year fixed mortgage today is 7.45 percent, down 3 basis points since the same time last week.
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