Weekly mortgage refinance applications surge as rates remain below 4% for the second straight week
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances fell to 3.97% last week from 3.99% the previous week.Mortgage applications to refinance a home loan rose 4% for the week and were 314% higher compared with the same week one year ago.
Annual comparisons are also widening because mortgage rates are so much lower now than they were a year ago. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances decreased to 3.97% last week from 3.99% the previous week, with points dropping to 0.30 from 0.33 for loans with a 20% down payment. The rate was 115 basis points higher the same week one year ago, at 5.
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