The average conforming 30-year fixed mortgage increased this week to 5.24 percent, according to Bankrate.com’s weekly national survey. The average 30-year fixed mortgage has an average of 0.45 discount and origination points.
The average 15-year fixed mortgage moved higher, to 4.62 percent while the larger jumbo 30-year fixed rate inched upward to 6.16 percent. Adjustable rate mortgages were mixed, with the average 1-year ARM falling to 5.10 percent and the 5-year ARM climbing to 4.70 percent.
Mortgage rates are lower than they were one year ago. This week last year, the average 30-year fixed mortgage rate was 5.64 percent, meaning a $200,000 loan would have carried a monthly payment of $1,153.21. With the average rate now 5.24 percent, the monthly payment for the same size loan would be $1,103.17, a savings of $50 per month for a homeowner refinancing now.
SOURCE Bankrate, Inc.
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