Current mortgage refinancing rates approaching 4%

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Current mortgage interest

Money.com conventional rates; government-backed rates from RedVentures.

Current refinancing rates

Money.com Conventional Rates; government-backed rates from RedVentures.

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How mortgage rates have changed

Mortgage Interest Trends

Money.com conventional rates; government-backed rates from RedVentures.

Average rates for fixed-rate mortgages have risen since last week. However, the rates for fixed-rate loans are still lower than for ARMs. The average rates for a 7/1 remain the only one above 4%. The figures for government-supported loans remain stable over time.

Refinance Interest Rate Trends

Money.com conventional rates; government-backed rates from RedVentures.

Average refinancing loan rates today are almost all higher than mortgage rates, but not all are higher than they were last week. Rates for ARMs, in particular, have fallen, although, as with mortgage loans, they are still higher than average rates for fixed-rate loans.

Mortgage and Refinancing Rates by State

Check the most current rates in your state at the links below.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
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
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming

The 2021 mortgage interest forecast

Mortgage rates should remain low for a few more months, but interest rates may begin to rise in the late summer or fall.

Mortgage rates are highly dependent on employment and inflation in the U.S. As employment and inflation improve, mortgage rates rise; if they get worse, mortgage rates fall. However, unemployment and inflation need to grow steadily in the long run for mortgage rates to rise. If both continue to improve in the coming months, we could see higher rates.

About the Authors

Laura Grace Tarpley is an editor at Personal Finance Insider, dealing with mortgages, refinancing and loans. She is also a Certified Educator in Personal Finance (CEPF). In her five years in personal finance, she has written extensively about ways to make loans.

Ryan Wangman is a reviewer at Personal Finance Insider, reporting on mortgages, refinancing, bank accounts, bank ratings, and loans. In his previous experience writing about personal finance, he has written about credit scores, financial literacy, and home ownership.

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