Log In
My Account
Cart
Support
FICO Scores & Credit Reports
Financial Help Center
Education
Credit Card Center
Community
Home Purchase
Home Refinance
Home Equity
Home Refinance Center
Mortgage rates as of
February 8, 2012
30-year fixed
15-year fixed
7/1 ARM
3/1 ARM
1/1 ARM
FICO® score
APR
[?]
Monthly payment
*
760-850
3.592%
$1,363
700-759
3.814%
$1,400
680-699
3.991%
$1,431
660-679
4.205%
$1,468
640-659
4.635%
$1,544
620-639
5.181%
$1,644
Location
National Avg.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Loan amount
* Estimated average over the life of the loan. Payments may vary.
Y30FConfCombMtg|Y15FConfCombMtg|Y7ARMMtg|Y3ARMConfCombMtg|Y1ARMMtg|
Y30FConfCombMtg
Source:
Informa Research Services
Mortgage rates as of
February 8, 2012
FICO® score
APR
Monthly payment
*
760-850
3.592%
$1,363
700-759
3.814%
$1,400
680-699
3.991%
$1,431
660-679
4.205%
$1,468
640-659
4.635%
$1,544
620-639
5.181%
$1,644
Loan Type
30-year fixed
15-year fixed
7/1 ARM
3/1 ARM
1/1 ARM
Location
National Avg.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Loan amount
* Estimated average over the life of the loan. Payments may vary.
For scores above 620, the APRs above assume a mortgage with 1.0 points and 80% Loan-to-Value Ratio. For scores below 620, these APRs assume a mortgage with 0 points and 60 to 80% Loan-to-Value Ratio. Assumes mortgage is for a single family, owner-occupied property.
Source:
Informa Research Services
Refinance education basics:
Get prepared
Make sure the time is right
Get the scores that lenders use to evaluate you
Organize your paperwork
Calculators
Am I better off refinancing?
What will my refinancing costs be?
How much can I save in taxes?
Choose your loan
Choose the loan type that makes sense for you
Calculators
Which is better: fixed or adjustable?
Which is better: 15- or 30-year loan term?
Shop around
Get offers from several lenders
Make lenders compete for your business
How myFICO® makes it quick and easy for you
Evaluate offers
Is this a fair loan for you?
Know your payment outlook
How you can avoid costly penalties and hidden closing costs
Which loan works best for you?
Calculators
Which lender has the better loan?
Should I pay points to lower the rate?
How advantageous are extra payments?