Mortgage Loans in Eau Claire, WI

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%, which is higher than 7 days ago at 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates because lenders face higher borrowing costs.

Credit Union Loan Rates - Trends & Analysis:

Royal offers a 15-year conventional fixed rate at 6.625%, up from 6.25% a week ago. Their 30-year conventional fixed rate is 7.0%, up from 6.75% last week. The 15-year conventional refinance rate is 6.75%, also up from 6.375%. Adjustable 5-year ARM rates stand at 6.125%, rising from 5.875%. The 10-year ARM is 6.75%, up from 6.5%. University Of Wisconsin shows a 15-year conventional fixed rate at 6.625% and a 30-year conventional fixed rate at 7.125%, both unchanged from a week ago. The 30-year FHA fixed rate is 7.0%, up 13 bp from last week. The 15-year and 30-year conventional refinance rates match their purchase counterparts at 6.625% and 7.125%.

Trustone Financial has a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.75%, both up 50 bp and 38 bp respectively from 30 days ago. Their 30-year FHA fixed rate is 6.5%, up 50 bp from a month ago. The 30-year VA fixed rate is 6.75%, rising 63 bp in 30 days. Adjustable rates include a 5-year ARM at 5.875%, up 25 bp, and a 7-year ARM at 6.25%, up 38 bp from 30 days prior. Empeople offers a 15-year conventional fixed rate today at 6.125%, unchanged from a week ago but up 50 bp from a month ago. Their 30-year conventional fixed rate is 6.75%, down 13 bp from last week but up 38 bp from a month ago. FHA fixed rates range from 6.0% for 3-year ARM to 6.5% for 7-year ARM, each up 38 bp or more over the past week and month.

Advia offers a 15-year conventional fixed rate at 6.375%, up 13 bp from last week and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, also up 13 bp in the past week and 38 bp over 30 days. Adjustable 5-year and 7-year fixed rates are 6.125% and 6.25%, respectively, each up 13 bp from last week and 38 bp from a month ago. America First offers a 15-year conventional fixed rate at 6.25% today, up 13 bp from a week ago and 63 bp from a month ago. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.875% today, with a 30 bp increase over the past 30 days. FHA 30-year fixed loans are priced at 6.5%, and VA 30-year fixed loans are at 6.625%, each up 38 bp from a month ago.

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. State Department shows a 15-year conventional fixed rate today at 6.125%, down 13 bp from a week ago, and a 30-year conventional fixed rate at 6.75%. The 15-year adjustable rate mortgage is at 6.125%, up 13 bp from last week, while the 7-year adjustable is 6.5%, unchanged from seven days ago. The 10-year adjustable rate stands at 6.5%. The jumbo 30-year fixed rate is 7.5%, down 25 bp from a week ago.

American Airlines offers a 15-year conventional fixed rate at 6.337% today, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.837%, also up 25 bp over the same period. Their 5-year adjustable rate stands at 6.657%, rising 12 bp from last week. 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.