National mortgage rates for Jan. 31, 2013

Interest Rate Roundup
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Find the best mortgage rates in your area.


  • 3.77% (30-year fixed)
  • 0.29 (average points)

Mortgage rates jumped this week as investors moved out of the mortgage and U.S. Treasury bond markets to invest in stocks.

Normally, when investors exit bonds to invest in the stock market, mortgage rates jump.

The 30-year fixed-rate mortgage rose 11 basis points to 3.77 percent. A basis point is one-hundredth of 1 percentage point.

The 15-year fixed-rate mortgage rose 9 basis points to 3.03 percent. The average rate for 30-year jumbo mortgages, or generally for those of more than $417,000, rose 9 basis points to 4.17 percent.

The 5/1 adjustable-rate mortgage rose 7 basis points to 2.78 percent. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.

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