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Today’s Best Mortgage Rates at Capital One, HSBC, and Wells Fargo (February 19)

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Today’s Best Mortgage Rates at Capital One, HSBC, and Wells Fargo (February 19)

mortgage rates roundupMortgage rates are slowly edging higher, although they end the week slightly lower than on Monday. The average rate for a 30-year conventional fixed rate loan was 3.625% on Friday, but some lenders are offering lower rates.

Capital One Mortgage Rates

While best known as a credit card issuer, Capital One Bank does offer home loans and refinances throughout the U.S. The best rate today for the benchmark 30-year fixed mortgage is 3.625% with a 3.676% APR. A shorter-term 15-year fixed home loan is published at 3.000% with a 3.090% APR. Buyers can lock into a 5/1 ARM today at 2.875% with an APR of 3.260%.

Buyers who want to refinance at Capital One can lock into a 30-year fixed refi loan at 3.750% with a 3.802% APR. The popular 15-year refinance home loan is published at 3.000% with a 3.109% APR. Capital One published the 5/1 adjustable rate refinance mortgage with a starting interest rate of 3.000% and a 3.294% APR. The 7/1 refi ARM is quoted at 3.250% with an APR of 3.358%.

HSBC Mortgage Rates

The best rate on the benchmark 30-year fixed loan at HSBC is 3.75% with a 3.834% APR. A 15-year fixed mortgage is quoted at 3.21% with an APR of 3.355%. A Community Works 30-year fixed mortgage is advertised at 3.50% with a 3.582% APR. Buyers can lock into a 30-year SONYMA loan at 4.0% with an APR of 4.086%. HSBC also offers adjustable rate mortgages. A 5/1 ARM is quoted at 3.25% today with an APR of 3.421%. A 7/1 adjustable rate loan is quoted at 3.25% with an APR of 3.397%. Conforming mortgage rates at HSBC are based on a $150,000 loan.

HSBC offers Advance Deluxe Mortgages to borrowers with an HSBC Advance checking account who maintain a balance of at least $10,000. These loans include a rate discount option and assume a loan of more than $417,000. A 30-year fixed mortgage is published at 3.761% with an APR of 3.799%. A 15-year fixed mortgage is quoted today at 3.496% with an APR of 3.563%. A 5/1 ARM for Advance Deluxe borrowers is published at 2.787% to start with an APR of 3.205%.

The best rates at HSBC are reserved for Premier Deluxe borrowers who have an HSBC Premier checking account and maintain a balance of at least $100,000. Premier Deluxe borrowers can lock into a 30-year fixed mortgage at a low rate of 3.511% with an APR of 3.548%. A 5/1 ARM is quoted at 2.537% to start with a 3.119% APR.

Today’s Wells Fargo Mortgage Rates

Well’s Fargo offers a wide range of mortgage options, and it’s one of the biggest jumbo loan providers in the country. The benchmark 30-year fixed mortgage is quoted today at 3.750% with an APR of 3.844%. A 30-year FHA mortgage is published with an interest rate of 3.875% and an APR of 4.926%. Buyers can lock into a 15-year conforming loan at 3.125% with a 3.255% APR. The popular 7/1 ARM is quoted at Wells Fargo with an interest rate of 3.500% on Friday with a 3.483% APR.

Wells Fargo offers larger conforming loans in designated high-cost areas. A larger 30-year fixed mortgage is published at 3.875% today with a 3.895% APR. The larger 30-year FHA mortgage is quoted at 3.875% with an APR of 4.887%. Buyers can lock into a larger 7/1 adjustable rate mortgage with an interest rate of 3.625% to start.

A 30-year fixed jumbo loan at Wells Fargo is available with an interest rate as low as 3.500% with an APR of 3.513%. A 7/1 jumbo ARM is quoted at 2.750% to start with a 3.113% APR.

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