Fixed Rate Mortgages

Average Conventional 30-Year Rate: 6.21%
Fees and Points: 0.2%

Average Conventional 15-Year Rate: 5.91%
Fees and Points: 0.3%

5/1-Year Adjustable Rate

1 st Commitment Rate: 6%
Fees and Points: 0.3%
Margin: 2.78

One-Year Adjustable Rate

1 st Commitment Rate: 5.45%
Fees and Points: 0.6%
Margin: 2.74