Mortgage rates remain at or near record lows this week

Gold house on top of arrayed dollar bills

Borrowers continue to benefit from exceptionally low mortgage rates this week, according to’s most recent survey of major lenders.

All of the popular types of home loans we track remained at or near the record lows set in early February.

But we could see the cost of home loans drift higher over the next couple of months.

In late December, Congress increased a fee on loans that are sold to Fannie Mae and Freddie Mac, the two government-controlled companies that buy most mortgages issued today.

The charge, called a guarantee fee, is what Fannie and Freddie levy against lenders to cover defaults on the loans they bundle and sell to investors as mortgage-backed securities.

It's set to increase by at least a tenth of a percentage point as of April 1, but lenders are already beginning to pass this cost along to borrowers in the form of higher interest rates.

Our Feb. 8 survey found the average interest rate for a:

30-year, fixed-rate loan rose to 4.14% from the record low of 4.12% set last week.

30-year, fixed-rate jumbo loan -- mortgages that exceed $417,000 to $625,000, depending on the city -- held steady at 4.55%, the record low it reached last week.

15-year, fixed-rate loan increased to 3.36% from 3.34%, the new all-time low it reached last week.

5/1 adjustable-rate loan -- loans where the initial interest rate remains fixed for the first five years and then changes once a year -- increased to 3.05% from the record low of 3.02% established last week.

Our database of interest rates can help you find the best deals in your area, including many that are less costly than the national averages.

You can use our mortgage calculator to determine the monthly payments for the exact amount you want to borrow with this or any home loan.

It will also provide a month-by-month amortization schedule that shows how much you've reduced your debt and how much you still owe.

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