Current mortgage rates for this Thursday morning are mostly mixed, with rates going both down and also remaining fairly stable at some of the nation’s top lenders. Fixed rates for the 30-year fixed mortgage for the week ending December 31, 2015, had moved higher to 4% for the first time in five months, according to Freddie Mac’s rate survey released today.

Freddie said the 30-year fixed-rate mortgage (FRM) averaged 4.01% with an average 0.6 point, up from last week when it averaged 3.96%. Last year at the same time, the 30 year averaged 3.87%. The national average for the 15 year mortgage is 3.24% with an average 0.5 point, up from 3.22% the previous week. A year ago at this time, it averaged 3.15%.

The 5-year adjustable-rate mortgage (ARM) was higher at 3.08% this week with an average 0.5 point. It averaged 3.06 this past week, and 3.01% for the same time period last year. The 1-year ARM was unchanged at 2.68% this week with an average 0.2 point. At this time last year, the 1-year ARM averaged 2.40%, according to Freddie Mac.

Sean Becketti, the Chief economist for Freddie Mac had said this about the current market:

“In the final week of 2015, Treasury yields jumped reacting in part to strong consumer confidence in December. In response, the 30-year mortgage rate rose 5 basis points to 4.01 percent, ending a 5-month span below 4 percent. After averaging 3.9 percent in the fourth quarter of 2015, we expect the 30-year mortgage rate to average 4.7 percent for the fourth quarter of 2016.”

The nation’s top mortgage lenders are reporting:

Bank of America’s 30 year fixed mortgage is unchanged from yesterday at 4.125%, and the 5/1 ARM is also the same at 3.25%.

Citi Mortgage is reporting the 30 year FRM remains stable at 4.125%, and the 15 year fixed unchanged as well at 3.625%.

Over at Chase Mortgage, purchase rates for the 30 year fixed rates are down from yesterday at 3.875%, and the 15 year is lower as well at 3.25%. Refinance rates for the 30 year fixed mortgage is the same at 4.125%, and the 15 year fixed is also unchanged at 3.375%.

The rates above are reported directly from the lender’s website. They can change at any time, and are not guaranteed.

If you would like a live rate quote, or to discuss other possible loan options, please call me, Erik Sandstrom with Caliber Home Loans at 1-800-779-4547; or email me at [email protected]

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