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Mortgage Rates as of January 8, 2013

Mortgage rates moved slightly lower again today, marking the third straight session of recovery after being launched higher last week. The magnitude of that launch is a matter of perspective, though 30yr Fixed Best-Execution never made it over 3.5%. Today’s improvements bring the average rate sheet back into 3.375% territory, but lenders remain on both sides of that (fewer at 3.25%, more at 3.5%). Not every lender improved, and not every improvement will have dropped the quoted rate by the standard .125% increment. That means that many scenarios will see this improvement as a reduction in closing costs (or increase in lender credit). Click here to read more.

Mortgage Rates as of January 8, 2012

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