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National mortgage rates for March 21, 2013

Polyana da Costa

Interest Rate Roundup

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  • 3.78% (30-year fixed)
  • 0.37 (average points)

Mortgage rates receded this week as investors kept their eyes on the debt crisis in Cyprus and sought safety in U.S. mortgage and Treasury bonds.

The 30-year fixed-rate mortgage fell 7 basis points to 3.78 percent. A basis point is one-hundredth of 1 percentage point.

The 15-year fixed-rate mortgage fell 6 basis points to 2.97 percent. The average rate for 30-year jumbo mortgages, or generally for those of more than $417,000, fell 5 basis points to 4.13 percent.

The 5/1 adjustable-rate mortgage fell 11 basis points to 2.71. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.

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