Mortgage Loans in Mount Joy, PA

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.

Credit Union Loan Rates - Trends & Analysis:

Connexus offers a 15-year conventional fixed rate at 6.125%, unchanged from last week, and a 30-year conventional fixed at 6.875%, up 13 bp in the past week. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all steady since last week. Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month.

American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed at 6.583%. Their 5-year adjustable rate is 6.533% today. Rates have been steady over the past month with no changes in basis points. America First shows a 15-year conventional fixed rate at 6.375%, up 25 bp from last week and 63 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, unchanged from last week but up 38 bp from a month ago. FHA 30-year fixed is 6.5%, up 13 bp from last week and 50 bp from a month ago. VA 30-year fixed stands at 6.625%, up 13 bp this week and 50 bp over 30 days.

Baxter offers a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed rate is 6.875%, up 25 bp from last week and 50 bp from a month ago. The 30-year jumbo fixed rate is also 6.875%, up 63 bp from both last week and a month ago. For adjustable rates, the 5-year ARM is at 5.625%, up 25 bp from last week and 38 bp from a month ago.

Citadel offers a 15-year conventional fixed rate at 6.25%, unchanged from a week ago but up 50 bp from a month ago. Their 30-year conventional fixed rate is 7.0%, up 13 bp over the past week and 38 bp over the past month. The 15-year conventional refinance rate is 6.25%, down 13 bp in the last week but up 50 bp from a month ago. The 30-year conventional refinance rate matches the fixed at 7.0%, with the same weekly and monthly increases. Adjustable 7-year and 10-year fixed rates are 6.625% and 6.75%, respectively, both up 13 bp in the past week and 38 bp over the month. Freedom offers a 15-year conventional fixed rate at 6.25%, up 25 bp from last week, and a 30-year conventional fixed at 7.0%, up 38 bp. Their 15-year adjustable fixed is 6.5%, and the 30-year jumbo fixed is 7.375%, both up 38 bp from last week.

State Department offers a 15-year Conventional Fixed at 6.125% today, up 25 bp from last week and 50 bp from 30 days ago. Their 30-year Conventional Fixed is 6.75%, rising 25 bp in the past week and 38 bp over 30 days. The 15-year Adjustable Fixed is 6.0%, up 13 bp in the last week and 13 bp over 30 days. The 7-year Adjustable Fixed stands at 6.375%, increasing 25 bp in the past week and month. The 10-year Adjustable Fixed is 6.5%, with a 25 bp rise over 30 days. The Jumbo 30-year Fixed is 7.5%, climbing 75 bp this week and month.

Polish & Slavic shows a 15-year fixed rate today at 6.75%, up 38 bp from a week ago, and a 30-year fixed at 7.0%, also up 38 bp in the last week. The 15-year fixed rate increased by 50 bp compared to 30 days ago, while the 30-year fixed rate stayed the same over that period. Adjustable rates are not listed with current values. Nasa offers a 15-year conventional fixed at 6.375%, up 38 bp from a week ago and 63 bp higher than a month ago. Their 30-year conventional fixed is 6.875%, also up 38 bp in the past week and 50 bp over 30 days. FHA 30-year fixed loans are at 6.625%, rising 25 bp in the last week and 50 bp in the last month. VA 30-year fixed stands at 6.5%, up 38 bp from last week and 63 bp from 30 days ago. Jumbo 30-year fixed loans are 6.875%, with a 25 bp increase in the past week and 50 bp over the month.