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SEATTLE, Jan. 10, 2017 -- The 30-year fixed mortgage rate on Zillow® Mortgages is currently 3.88 percent, down 8 basis points from this time last week. The 30-year fixed mortgage briefly dropped to 3.85 percent on Friday before returning to 3.95 percent, then gradually decreased for the rest of the week.
“Mortgage rates edged down for the second consecutive rate bringing rates to their lowest levels since early December despite a moderately strong jobs report,” said Erin Lantz, vice president of mortgages at Zillow. “This week markets are likely to focus on monetary policy speeches by several new FOMC voters, and on Friday, December retail sales, which should provide insight into how confident American consumers are in the economy.”
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 3.08 percent, while the rate for a 5-1 adjustable-rate mortgage (ARM) is 3.01 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 (1/10/17) | Last Week’s 30-Year Fixed Rate (1/3/17) | Change in Basis Points | ||||
| California Mortgage Rates | 3.86 | % | 3.97 | % | -11 | ||
| Colorado Mortgage Rates | 3.85 | % | 3.93 | % | -8 | ||
| Florida Mortgage Rates | 3.89 | % | 3.97 | % | -8 | ||
| Illinois Mortgage Rates | 3.91 | % | 3.99 | % | -8 | ||
| Massachusetts Mortgage Rates | 3.83 | % | 3.95 | % | -12 | ||
| New Jersey Mortgage Rates | 3.88 | % | 3.95 | % | -7 | ||
| New York Mortgage Rates | 3.90 | % | 3.98 | % | -8 | ||
| Pennsylvania Mortgage Rates | 3.89 | % | 3.95 | % | -6 | ||
| Texas Mortgage Rates | 3.88 | % | 3.96 | % | -8 | ||
| Washington Mortgage Rates | 3.91 | % | 3.95 | % | -4 | ||
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]
