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SEATTLE, Dec. 13, 2016 -- The 30-year fixed mortgage rate on Zillow® Mortgages is currently 3.94 percent, up 3 basis points from this time last week. The 30-year fixed mortgage fell early last week, then rose again on Friday and hovered around the current rate for the rest of the week.
“Mortgage rates dipped briefly late last week following news that the European Central Bank will continue its monetary stimulus program in Europe, but rose Friday as markets brace themselves for several important decisions this week, most notably Wednesday’s expected interest rate hike by the Fed,” said Erin Lantz, vice president of mortgages at Zillow. “This week we expect rates to be volatile on Wednesday leading up to and following the Fed decision, as well as a possible monetary policy move by the Bank of Japan.”
Zillow’s real-time mortgage rates are based on thousands of custom mortgage quotes submitted daily to anonymous borrowers on the Zillow Mortgages site and reflect the most recent changes in the market. These are not marketing rates, or a weekly survey.
The rate for a 15-year fixed home loan is currently 3.12 percent, while the rate for a 5-1 adjustable-rate mortgage (ARM) is 3.07 percent.
Below are current rates for 30-year fixed mortgages by state. Additional states’ rates are available at: http://www.zillow.com/mortgage-rates.
| State | Current 30-Year Fixed Rate (12/13/16) | Last Week’s 30-Year Fixed Rate (12/6/16) | Change in Basis Points | ||||
| California Mortgage Rates | 3.95 | % | 3.90 | % | +5 | ||
| Colorado Mortgage Rates | 3.91 | % | 3.91 | % | 0 | ||
| Florida Mortgage Rates | 3.95 | % | 3.93 | % | +2 | ||
| Illinois Mortgage Rates | 3.97 | % | 3.89 | % | +8 | ||
| Massachusetts Mortgage Rates | 3.94 | % | 3.91 | % | +3 | ||
| New Jersey Mortgage Rates | 3.92 | % | 3.90 | % | +2 | ||
| New York Mortgage Rates | 3.97 | % | 3.92 | % | +5 | ||
| Pennsylvania Mortgage Rates | 3.91 | % | 3.89 | % | +2 | ||
| Texas Mortgage Rates | 3.97 | % | 3.92 | % | +5 | ||
| Washington Mortgage Rates | 3.97 | % | 3.90 | % | +7 | ||
About Zillow Mortgages
Zillow Mortgages, operated by Zillow, Inc., is a free, open, and transparent lending marketplace, where borrowers connect with lenders to find loans and get the best mortgage rates. Borrowers anonymously submit loan requests and receive an unlimited number of custom mortgage quotes with real rates directly from thousands of competing lenders. Zillow Mortgages also provides mortgage calculators, mortgage advice, mortgage widgets, and lender directories.
Zillow is a registered trademark of Zillow, Inc.
Media Contact: Catharine Neilson, Zillow [email protected]
