Today’s 30-year refinance rates

On , according to Bankrate’s latest survey of the nation’s largest mortgage lenders, the benchmark 30-year refinance rate is 3.120% with an APR of 3.270%. The average 30-year VA refinance rate is 2.670% with an APR of 2.870%. The 30-year jumbo refinance rate is 3.140% with an APR of 3.200%.

We’ll help you find 30-year mortgage and refinance rates well below the national average so you can apply and start saving on your home today.

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our "Advertisers"). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a "Next" button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $548,250 May Have Different Loan Terms: If you are seeking a loan for more than $548,250, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

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Current 30-year refinance rates

By Jeff Ostrowski
Reviewed by Greg McBride, CFA, Chief Financial Analyst for Bankrate

The table above brings together our comprehensive national survey of mortgage lenders to help you know what are the most competitive 30-year refinance rates. This interest rate table is updated daily to give you the most current rates when choosing a 30-year refinance loan.

Product Interest Rate APR
30-Year Fixed Rate 3.120% 3.270%
30-Year Fixed-Rate VA 2.670% 2.870%
20-Year Fixed Rate 3.020% 3.180%
15-Year Fixed Rate 2.430% 2.640%
7/1 ARM 3.010% 3.870%
5/1 ARM 3.010% 4.030%
10/1 ARM 3.160% 4.030%
30-Year Fixed-Rate FHA 2.810% 3.680%
30-Year Fixed-Rate Jumbo 3.140% 3.200%
15-Year Fixed-Rate Jumbo 2.440% 2.500%

How Bankrate mortgage and refinance rates are calculated

Lenders nationwide provide weekday mortgage rates to our comprehensive national survey to bring you the most current rates available. Here you can see the latest marketplace average rates for a wide variety of purchase loans. The interest rate table below is updated daily to give you the most current purchase rates when choosing a home loan. APRs and rates are based on no existing relationship or automatic payments. For these averages, the customer profile includes a 740 FICO score and a single-family residence. To learn more, see understanding Bankrate rate averages.

Why trust Bankrate?

Bankrate has been the authority in personal finance since it was founded in 1976 as the “Bank Rate Monitor,” a print publication for the banking industry. Bankrate has been surveying and collecting mortgage rate information from the nation’s largest lenders for more than 30 years. Hundreds of top publications, such as The New York Times, Wall Street Journal, CNBC and others, depend on Bankrate as a trusted source of financial information, so you know you’re getting information you can trust.

How do I view personalized 30-year fixed refinance rates?

To customize the rates you see, adjust the categories at the top of the page to reflect the type of loan you’re looking for, where you live, how much you want to borrow, how much you have for a down payment and your credit score.

You can see personalized 30-year fixed refinance rates plus articles, calculators, prequalified offers and more by signing up for a free Bankrate account. It only takes a few minutes and you’ll get valuable tools and information tailored around your unique interests.

Why comparing rates is important

Mortgage rates and closing costs can vary widely from lender to lender, so it’s important that you shop around before. In a report published in 2018, mortgage giant Freddie Mac said borrowers could save an average of $1,500 over the life of the loan by getting one additional rate quote, and an average of $3,000 by seeking out five quotes.

Will 30-year refinance rates increase?

Mortgage rates hit record lows in early 2021. Economists expect mortgage rates to rise as the economy improves. However, the trajectory of mortgage rates is notoriously difficult to predict.

What you need to know about 30-year mortgage refinances

Learn more about 30-year mortgage refinancing

Learn more about specific loan type rates
Loan Type Purchase Rates Refinance Rates
The table above links out to loan-specific content to help you learn more about rates by loan type.
30-Year Loan 30-Year Mortgage Rates 30-Year Refinance Rates
20-Year Loan 20-Year Mortgage Rates 20-Year Refinance Rates
15-Year Loan 15-Year Mortgage Rates 15-Year Refinance Rates
10-Year Loan 10-Year Mortgage Rates 10-Year Refinance Rates
FHA Loan FHA Mortgage Rates FHA Refinance Rates
30-Year FHA Loan 30-Year FHA Loan Rates 30-Year FHA Refinance Rates
VA Loan VA Mortgage Rates VA Refinance Rates
ARM Loan ARM Mortgage Rates ARM Refinance Rates
5/1 ARM 5/1 ARM Rates 5/1 Refinance Rates
7/1 ARM 7/1 ARM Rates 7/1 Refinance Rates
10/1 ARM 10/1 ARM Rates 10/1 Refinance Rates
Jumbo Loan Jumbo Mortgage Rates Jumbo Refinance Rates
30-Year Jumbo Loan 30-Year Jumbo Loan Rates 30-Year Jumbo Refinance Rates

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