Mortgage Rates 2018

30 year fixed $165,000 refinance in 20149  •  20% Down  •  All Points  •  740+ Credit Score

30 yr fixed, 2 points refi (9/18/2018)
4.602%APR
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  • Points: 1.1
  • Fee: $3,946
  • NMLS: 541760
  • State License
Thank you for your inquiry! We look forward to working with you.
30 yr fixed, 0 points refi (9/18/2018)
5.128%APR
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  • Points: 0
  • Fee: $55
  • NMLS: 181005
  • State License
Thanks for the inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.682%APR
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  • Points: 0.1
  • Fee: $3,304
  • NMLS: 541760
  • State License
Thank you for your inquiry! We look forward to working with you.
30 yr fixed, 1 point refi (9/18/2018)
4.900%APR
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  • Points: 0.1
  • Fee: $2,654
  • NMLS: 181005
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.599%APR
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  • Points: 0
  • Fee: $1,895
  • NMLS: 3232
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.625%APR
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  • Points: 0
  • Fee: $0
  • NMLS: 1018
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
4.648%APR
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  • Points: 0
  • Fee: $441
  • NMLS: 2890
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
5.250%APR
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  • Points: 0
  • Fee: $0
  • NMLS: 258821
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.672%APR
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  • Points: 0
  • Fee: $895
  • NMLS: Not set
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
4.363%APR
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  • Points: 0
  • Fee: $2,188
  • NMLS: 1077157
  • State License
CALL NOW FOR HARP 2 PRICING. PROFESSIONALISM & EFFICIENCY MATTERS
30 yr fixed, 0 points refi (9/18/2018)
4.909%APR
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  • Points: 0
  • Fee: $643
  • NMLS: 401599
  • State License
Member FDIC Insured.
30 yr fixed, 1 point refi (9/18/2018)
4.691%APR
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  • Points: 0.1
  • Fee: $1,096
  • NMLS: 409132
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.647%APR
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  • Points: 0
  • Fee: $425
  • NMLS: 447490
  • State License
Thank you for your inquiry!
30 yr fixed, 2 points refi (9/18/2018)
4.545%APR
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  • Points: 1.1
  • Fee: $1,457
  • NMLS: 409132
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
5.490%APR
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  • Points: 0
  • Fee: $0
  • NMLS: 35959
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
4.552%APR
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  • Points: 0
  • Fee: $995
  • NMLS: 472433
  • State License
No Points No Games No Surprises! No Closing Cost Options!
30 yr fixed, 1 point refi (9/18/2018)
4.459%APR
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  • Points: 0.1
  • Fee: $1,452
  • NMLS: 2890
  • State License
Member FDIC Insured.
30 yr fixed, 1 point refi (9/18/2018)
4.884%APR
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  • Points: 0.1
  • Fee: $2,351
  • NMLS: 417490
  • State License
Thank you for your inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.492%APR
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  • Points: 0.1
  • Fee: $2,096
  • NMLS: 1018
  • State License
Member FDIC Insured.
30 yr fixed, 1 point refi (9/17/2018)
4.488%APR
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  • Points: 0.1
  • Fee: $2,023
  • NMLS: Not set
  • State License
Thank you for your inquiry!
30 yr fixed, 1 point refi (9/18/2018)
5.077%APR
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  • Points: 0.1
  • Fee: $1,278
  • NMLS: 258821
  • State License
Thanks for the inquiry!
30 yr fixed, 2 points refi (9/18/2018)
4.722%APR
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  • Points: 1.1
  • Fee: $2,406
  • NMLS: 417490
  • State License
Thank you for your inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.668%APR
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  • Points: 0.1
  • Fee: $660
  • NMLS: 1071
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 0 points refi (9/18/2018)
4.750%APR
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  • Points: 0
  • Fee: $0
  • NMLS: 1071
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 1 point refi (9/18/2018)
4.752%APR
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  • Points: 0.1
  • Fee: $2,247
  • NMLS: 401599
  • State License
Member FDIC Insured.
30 yr fixed, 1 point refi (9/18/2018)
4.582%APR
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  • Points: 1
  • Fee: $2,305
  • NMLS: 472433
  • State License
No Points No Games No Surprises! No Closing Cost Options!
30 yr fixed, 0 points refi (9/18/2018)
5.048%APR
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  • Points: 0
  • Fee: $1,092
  • NMLS: 417490
  • State License
Thank you for your inquiry!
30 yr fixed, 2 points refi (9/18/2018)
4.308%APR
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  • Points: 1.1
  • Fee: $1,750
  • NMLS: 2890
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
4.767%APR
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  • Points: 0
  • Fee: $329
  • NMLS: 409132
  • State License
Thanks for the inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.589%APR
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  • Points: 0.1
  • Fee: $2,315
  • NMLS: Not set
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.766%APR
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  • Points: 0
  • Fee: $299
  • NMLS: 2925
  • State License
Member FDIC Insured.
30 yr fixed, 2 points refi (9/18/2018)
4.525%APR
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  • Points: 1.1
  • Fee: $1,072
  • NMLS: 1071
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 2 points refi (9/18/2018)
4.478%APR
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  • Points: 2
  • Fee: $3,466
  • NMLS: 472433
  • State License
No Points No Games No Surprises! No Closing Cost Options!
30 yr fixed, 1 point refi (9/18/2018)
4.506%APR
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  • Points: 0.1
  • Fee: $2,553
  • NMLS: 66247
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 2 points refi (9/18/2018)
4.354%APR
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  • Points: 1.1
  • Fee: $2,626
  • NMLS: 1018
  • State License
Member FDIC Insured.
30 yr fixed, 1 point refi (9/18/2018)
4.512%APR
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  • Points: 0.1
  • Fee: $2,474
  • NMLS: 447490
  • State License
Thank you for your inquiry!
30 yr fixed, 2 points refi (9/18/2018)
4.915%APR
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  • Points: 1.1
  • Fee: $1,278
  • NMLS: 258821
  • State License
Thanks for the inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.740%APR
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  • Points: 1
  • Fee: $532
  • NMLS: 403501
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/17/2018)
4.640%APR
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  • Points: 0
  • Fee: $280
  • NMLS: Not set
  • State License
Thank you for your inquiry!
30 yr fixed, 1 point refi (9/18/2018)
4.753%APR
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  • Points: 1
  • Fee: $789
  • NMLS: 244476
  • State License
Member FDIC Insured.
30 yr fixed, 0 points refi (9/18/2018)
4.659%APR
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  • Points: 0
  • Fee: $843
  • NMLS: 66247
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 2 points refi (9/18/2018)
4.431%APR
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  • Points: 1.1
  • Fee: $1,872
  • NMLS: 66247
  • State License
Thank you for your inquiry, we will be in touch shortly.
30 yr fixed, 0 points refi (9/18/2018)
4.668%APR
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  • Points: 0
  • Fee: $818
  • NMLS: Not set
  • State License
Thanks for the inquiry!
30 yr fixed, 2 points refi (9/18/2018)
4.438%APR
Star Icon Star Icon Star Icon Star Icon Star Icon
  • Points: 1.1
  • Fee: $2,581
  • NMLS: Not set
  • State License
Thanks for the inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.875%APR
Star Icon Star Icon Star Icon Star Icon Star Icon
  • Points: 0
  • Fee: $0
  • NMLS: 403501
  • State License
Member FDIC Insured.
30 yr fixed, 2 points refi (9/17/2018)
4.413%APR
Star Icon Star Icon Star Icon Star Icon Star Icon
  • Points: 1.1
  • Fee: $1,331
  • NMLS: Not set
  • State License
Thank you for your inquiry!
30 yr fixed, 0 points refi (9/18/2018)
4.875%APR
Star Icon Star Icon Star Icon Star Icon Star Icon
  • Points: 0
  • Fee: $0
  • NMLS: 244476
  • State License
Member FDIC Insured.
Other Banks
Updated September 18th, 2018
Banks & Reviews APR Rate Points Changed
Virginia Credit Union (30 yr fixed mtg refi) 4.837% 4.750% 0 9/11/2018
TD Bank, NA (30 yr fixed mtg refi) 4.583% 4.500% 0.375 9/14/2018
Apple Federal Credit Union (30 yr fixed mtg refi) 4.730% 4.625% 1 9/12/2018
Fulton Bank, NA (30 yr fixed mtg refi) 4.939% 4.875% 0.125 9/11/2018
Citizens Bank, NA (30 yr fixed mtg refi) 4.857% 4.750% 0.375 9/14/2018
Langley FCU (30 yr fixed mtg refi) 4.901% 4.875% 0 9/13/2018
The Fidelity Bank (30 yr fixed mtg refi) 4.921% 4.875% 0 9/14/2018
Bank of America (30 yr fixed mtg refi) 4.756% 4.625% 0.727 9/12/2018
Santander Bank, N.A. (30 yr fixed mtg refi) 4.982% 4.875% 0 9/18/2018
Bank of Oak Ridge (30 yr fixed mtg refi) 4.817% 4.750% 0.25 9/13/2018
BB&T (30 yr fixed mtg refi) 4.792% 4.625% 1.375 9/13/2018
State Department Federal Credit Union (30 yr fixed mtg refi) 4.604% 4.500% 0 9/17/2018

Frequently Asked Questions

What Are Mortgage Rates?

When you borrow money from a lender to buy a house, they lend you the money at a certain percentage rate. This means you have to pay back the amount of money you borrowed, plus the interest accrued on the amount you borrowed. The lower the mortgage interest rate you receive on your loan, the more money you will save on the life of the loan.

What is a Lender?

A lender is the person or institution who allows you to borrow money from them. The lenders will always require that you pay back the initial amount you borrow plus the interest accrued on the amount borrowed. Lenders can be banks, credit unions, online banks, or people can also act as lenders.

What Does Refinancing Mean?

When you buy a house, you are locked into a certain fixed interest rate. Fixed rates mean the interest rates won't increase or decrease with the economy. Since that rate won't change for the life of the loan, the only way you can get a lower interest rate on your loan is to refinance. This means you take out a new loan from a lender with the lower interest rate.

You will have to pay closing costs again, so make sure that the amount you will be saving each month can balance out the amount you have to pay in closing costs. Some banks might say they will refinance your house for no closing costs. Just make sure they aren't rolling the costs over into your new loan. The best way to know if you should refinance is to talk to a lender you trust. The general rule of thumb is to aim for at least 1% point lower than your current loan.

How Does Your Credit Score Affect Your Mortgage Rate?

Your credit score plays a big part in the interest rate you can receive on your loan. The higher your credit score, the more a bank trusts you with their money. Your credit score shows how responsible you are with money, how well you pay back loans and if other institutions have had a good experience loaning you money. The higher your credit score, the lower the interest rate on your loan. The lower the interest rate, the lower the monthly payment and the less interest you pay over the life of the loan.

What Does Percentage Down Mean?

The percentage down, or down payment, is the initial amount you give the lender when you open the loan. The more you can put down up front, the lower your monthly payments will be and the better interest rates you will receive. If you put down less than 20% of the loan amount, you will be required to have private mortgage insurance until you have paid back 20% of the loan. This insurance provides security to the lender, protecting them if you end up defaulting on your loan.

What Does Principle Mean?

When you make a payment on a mortgage loan the bill will be divided up between principle, interest, and escrow. The principle is the amount of your monthly payment that goes to the actual loan amount you borrowed. Most of your monthly payment will go toward the interest you are being charged. To pay your loan down faster, pay extra money toward the principle. Be sure to specify on your statement that you want the extra money to be applied to the principle amount. The sooner you pay down the principle the less interest you have to pay over the life of the loan.

What Does APR Stand For?

APR stands for annual percentage rate. This is the rate at which you will be charged interest. The APR changes with the economy. Years ago the APR for a mortgage loan was around 12%. After the housing market fell, interest rates dropped to an all time low of around 3%. The interest rates have steadily been rising over the last few years, but are still great. If you are considering buying a house, these low interest rates make it a good option.