30-Year Mortgage Interest Rates

We will help you find low 30 year mortgage rates for conforming, FHA and subprime home loans with fixed and variable interest rates. Current Mortgage Interest Rates provides updated interest rates for all types of residential mortgage loans and we have partnered with the best mortgage lenders online as well. Feel free to visit our site for 30-year mortgage rate updates, rate quotes from our lenders or simply to get your financing questions answered.

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Economic continue to be nervous about reducing mortgage rates to lower levels, with the average conforming 30-year fixed mortgage rate now 3.625%. According to several weekly national surveys of home mortgage lenders, the average 30-year fixed mortgage has an average of 0.35 discount and origination points.

2013 has brought in lower mortgage rates, with economic worries rising and mortgage rates falling. Declining new home sales and weaker economic indicators gave investors new reasons to worry about the economy. Such worries typically prompt investors to park money in safe havens such as Treasury securities. Fixed mortgage rates are closely related to yields on long-term government bonds. With four weeks and an entire cycle of economic data before the next scheduled meeting of the Federal Open Market Committee, sentiment about the direction of interest rates and the economy may swing back and forth as worries alternate between economic growth and the outlook for inflation.

Fixed rate mortgages are currently the most attractive option for borrowers. Six months ago, the average 30-year fixed mortgage rate was 3.75%, meaning that a $200,000 loan would have carried a monthly payment of $1,295. Now that the average conforming 30-year fixed rate is 3.625%, the same $200,000 loan carries a monthly payment of $1,215.

The survey is complemented by Bank Rate's weekly forward-looking Rate Trend Index, in which a panel of mortgage experts predicts which way the rates are headed over the next 30 to 45 days. Only 25% of loan respondents feel mortgage rates could move lower and the remaining 33% expect rates to remain more or less unchanged in the coming 30 to 45 days.


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