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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.500%

4.528%

$5.07
15 YR 4.000% 4.050% $7.40
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 4.875% 4.896% $5.29
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.625% 4.837% $5.14
7/1 3.874% 4.549% $4.70
5/1 3.625% 4.600% $4.56
3/1 3.125% 4.678% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 3.99% 3.99% $10.12
15 YR 4.49% 4.49% $7.64
20 YR 4.99% 4.99% $6.59
 
*Up to 80% loan to value.
Other rates and terms available
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.500%

4.528%

$5.07
15 YR 4.000% 4.050% $7.40
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 4.875% 4.896% $5.29
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.625% 4.837% $5.14
7/1 3.874% 4.549% $4.70
5/1 3.625% 4.600% $4.56
3/1 3.125% 4.678% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 3.99% 3.99% $10.12
15 YR 4.49% 4.49% $7.64
20 YR 4.99% 4.99% $6.59
 
*Up to 80% loan to value.
Other rates and terms available

Market Commentary

Updated on July 20, 2018 10:36:32 AM EDT

Some lenders improved pricing intraday yesterday as bonds improved late in the day. If your lender improved pricing before closing Thursday, you should see an increase in this morning’s rates by the same amount. The net difference between Thursday’s morning rates and this morning’s pricing should be nearly unchanged.

There is no relevant economic data being released today. There is no clear reason for this morning’s bond weakness other than some traders being pessimistic about which direction yields may be heading. Stocks aren’t having an impact on today’s bond trading or mortgage rates. If the major indexes make a noticeable move either direction, it could cause movement in bonds and possibly mortgage rates later today. Other than that, a pretty dead day in terms of data or other events to watch for mortgage rates direction.

Next week brings us a handful of relevant economic reports that may influence mortgage rates, but only one is considered to be important. There are also a couple of Treasury auctions that have the potential to slightly affect the mortgage market. We do have a Monday release with June’s Existing Home Sales data being posted. Look for details on it and the rest of the week’s activities in Sunday evening’s weekly preview.

 ©Mortgage Commentary 2018

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NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective July 20, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Rates as of June 17th, 2016 and are subject to change without notice. $5.00 Membership Account Required.

 

NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective July 20, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Rates as of June 17th, 2016 and are subject to change without notice. $5.00 Membership Account Required.