Thirty-year and 15-year fixed rates, as well as 5/1 ARM rates, are all mostly unchanged today,according to a NerdWalletsurvey of current mortgage rates published by national lenders Monday morning. After retreating for five of the past six days, fixed-rate mortgages are holding close to 2017 lows. Adjustable-rate loans have barely moved for weeks, according to the NerdWallet Mortgage Rate Index. Mortgage Rates Today, Monday, Feb. 27:
(Change from 2/24) Get personalized mortgage ratesNew home sales disappointing Existing-home sales have been robust, but new home sales have been anything but. Friday’s report, issued by the U.S. Census Bureau and the U.S. Department of Housing and Urban Development, found new home sales up 3.7% in January over December — well below expectations. “While the numbers do mark the best start for the year since 2008, this slow pace indicates a clear problem to growth, given how far we are into an economic recovery,” Jonathan Smoke, chief economist for Realtor.com, said in a news release. “Mortgage rates aren’t to blame, since they remain historically attractive and have been relatively stable since the end of 2016.” Smoke says builders are facing the same challenges that have held back construction for years: regulatory burdens, labor shortages and a lack of financing.
» MORE: Calculate your monthly mortgage payment
“Those reasons are partly why new homes cost 37% more than existing homes, based on differences in median prices, and that difference is keeping the new home market from growing to take advantage of strong demand,” Smoke adds. While buying new can mean avoiding the fierce competition for the limited supply of existing homes, it comes at a higher price — and perhaps more important, often a long wait.
“Lots of people don’t have that option,” Smoke says.
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NerdWallet daily mortgage rates are an average of the published annual percentage ratewith the lowest points for each loan term offeredby a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providingthe most accurate view of the costsa borrower might pay. More from NerdWallet Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: hal@nerdwallet.com. Twitter:@halmbundrick. .investor-form { text-align:center; max-width: 400px; margin:auto;}Mortgage Rate Newsletter Get daily mortgage rate updates delivered straight to your inbox! 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30-year fixed: 4.27% APR (NC)
15-year fixed: 3.65% APR (-0.01)
5/1 ARM: 3.80% APR (NC)
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