National Overnight Average Rates
| 2015 | NATIONAL OVERNIGHT AVERAGE RATES | |||||
| Last week | 7/13 | 7/14 | 7/15 | 7/16 | 7/17 | |
| 30 year fixed | 4.12% | 4.19% | 4.22% | 4.21% | 4.20% | 4.17% |
| 15 year fixed | 3.16% | 3.20% | 3.20% | 3.17% | 3.16% | 3.16% |
| 5/1 ARM | 3.12% | 3.32% | 3.11% | 3.24% | 3.10% | 3.09% |
* Data source: http://www.bankrate.com
根据Freddie Mac每周利率跟踪调查数据显示，30年固定利率上周达到了历史最低的3.94%，本周开始回升至4.12%。15年固定利率也从上周的历史最低点反弹，从3.26%升至3.37%。
详细历史记录请参看：Rates History
今天稍晚的时候我将重新计算今天的利率，包括7/1 ARM。以下是5/13，即上星期五的利率：
| 5月13日 | RATE | APR | Closing Cost | 贷款额 |
| 15年固定 | 3.875% | 4.162% | $730 | $200,000 |
| 5/1 浮动 | 2.625% | 3.022% | $480 | |
| 5/1 浮动 | 2.75% | 3.066% | $230 |
*Terms and Conditions – Rates referenced above are guidance based on available rates from lenders as of May 13, 2011 for refinance, at least 40% equity for single-family house in the subject property, primary residence, minimum 740 credit score and verifiable income for the borrowers. Specific rates and terms may vary. Rates are subject to change daily without notice.