National mortgage rates for Jan. 24, 2013

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Mortgages

  • 3.66% (30-year fixed)
  • 0.35 (average points)

Mortgage rates rose this week, as Congress agreed to a temporary fix to the debt ceiling crisis.

The 30-year fixed-rate mortgage rose 6 basis points to 3.66 percent. A basis point is one-hundredth of 1 percentage point.

The 15-year fixed-rate mortgage rose 5 basis points to 2.94 percent. The average rate for 30-year jumbo mortgages, or generally for those of more than $417,000, rose 4 basis points to 4.08 percent.

The 5/1 adjustable-rate mortgage fell 3 basis points to 2.71 percent. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.



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