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|
FHA/VA
Interest Rates*
From June 1935 to August 12, 1992
See below for Interest
Rates from August 16, 1992 to Present
Jump to current rate
|
June, 1935
|
5.00%
|
October 12, 1981
|
16.50%
|
|
August, 1939
|
4.50%
|
November 9, 1981
|
16.00%
|
|
April, 1950
|
4.25%
|
November 16, 1981
|
15.50%
|
|
May 5, 1953
|
4.50%
|
January 22, 1982
|
16.50%
|
|
December, 1956
|
5.00%
|
March 3, 1982
|
15.50%
|
|
August, 1957
|
5.25%
|
August 9, 1982
|
15.00%
|
|
September, 1959
|
5.75%
|
August 24, 1982
|
14.00%
|
|
February, 1961
|
5.50%
|
September 24, 1982
|
13.50%
|
|
May, 1961
|
5.25%
|
October 13, 1982
|
12.50%
|
|
October 4, 1966
|
6.00%
|
November 15, 1982
|
12.00%
|
|
May 7, 1968
|
6.75%
|
May 9, 1983
|
11.50%
|
|
January 25, 1969
|
7.50%
|
June 8, 1983
|
12.00%
|
|
January 5, 1970
|
8.50%
|
July 11, 1983
|
12.50%
|
|
December 2, 1970
|
8.00%
|
August 1, 1983
|
13.50%
|
|
January 13, 1971
|
7.50%
|
November 1, 1983
|
12.50%
|
|
February 18, 1971
|
7.00%
|
March 21, 1984
|
13.00%
|
|
August 19, 1973
|
7.75%
|
May 8, 1984
|
13.50%
|
|
August 25, 1973
|
8.50%
|
May 29, 1984
|
14.00%
|
|
January 22, 1974
|
8.25%
|
August 13, 1984
|
13.50%
|
|
April 15, 1974
|
8.50%
|
October 22, 1984
|
13.00%
|
|
May 13, 1974
|
8.75%
|
November 21, 1984
|
12.50%
|
|
July 8, 1974
|
9.00%
|
March 25, 1985
|
13.00%
|
|
August 14, 1974
|
9.50%
|
April 19, 1985
|
12.50%
|
|
November 25, 1974
|
9.00%
|
May 21, 1985
|
12.00%
|
|
January 21, 1975
|
8.50%
|
June 5, 1985
|
11.50%
|
|
March 3, 1975
|
8.00%
|
November 20, 1985
|
11.00%
|
|
April 28, 1975
|
8.50%
|
December 13, 1985
|
10.50%
|
|
September 2, 1975
|
9.00%
|
March 3, 1986
|
9.50%
|
|
January 5, 1976
|
8.75%
|
November 24, 1986
|
9.00%
|
|
March 3, 1976
|
8.50%
|
January 19, 1987
|
8.50%
|
|
October 18, 1976
|
8.00%
|
April 15, 1987
|
9.50%
|
|
May 31, 1977
|
8.50%
|
May 11, 1987
|
10.00%
|
|
February 28, 1978
|
8.75%
|
September 5, 1987
|
11.00%
|
|
May 23, 1978
|
9.00%
|
November 10, 1987
|
10.50%
|
|
June 29, 1978
|
9.50%
|
February 1, 1988
|
9.50%
|
|
April 23, 1979
|
10.00%
|
April 1, 1988
|
10.00%
|
|
September 26, 1979
|
10.50%
|
December 19, 1988
|
10.50%
|
|
October 26, 1979
|
11.50%
|
June 5, 1989
|
10.00%
|
|
February 11, 1980
|
12.00%
|
July 17, 1989
|
9.50%
|
|
February 28, 1980
|
13.00%
|
February 23, 1990
|
10.00%
|
|
April 3, 1980
|
14.00%
|
November 19, 1990
|
9.50%
|
|
April 28, 1980
|
13.00%
|
February 6, 1991
|
9.00%
|
|
May 15, 1980
|
11.50%
|
June 17, 1991
|
9.50%
|
|
August 20, 1980
|
12.00%
|
August 12, 1991
|
9.00%
|
|
September 22, 1980
|
13.00%
|
September 18, 1991
|
8.50%
|
|
November 24, 1980
|
13.50%
|
December 20, 1991
|
8.00%
|
|
March 9, 1981
|
14.00%
|
February 24, 1992
|
8.50%
|
|
April 13, 1981
|
14.50%
|
July 6, 1992
|
8.00%
|
|
May 8, 1981
|
15.50%
|
August 12, 1992
|
7.50%
|
|
August 17, 1981
|
16.50%
|
|
|
|
September 14, 1981
|
17.00%
|
|
|
* In October, 1992 the VA stopped
specifying mandatory interest rates for VA loans.
Housing
Interest Rates
August 16, 1992 to Present
See above for Interest
Rates from June 1935 to August 12, 1992
(30 Year • Fixed Rate • Owner-Occupied • Conforming
Loan)
The following interest rate record begins where the VA's
nearly 50 year record of mandated interest rates abruptly
stops (see the VA chart above). Hopefully this record will
be comparable to the VA's in that it reflects the prevailing
interest rate charged by Countrywide
Funding, one of the largest, national, residential loan
originators in the United States. This chart's frequency is
based on a four week cycle (13 times per year). These
published rates might be slightly higher than actual rates
since they do not reflect local "marketing adjustments".
However, they're closely representative of the market
because of Countrywide's competitive dominance. To keep your
chart up to date call your local Countrywide branch or look
up their fixed rate loan quote in your local Sunday
newspaper every four weeks. If you strike out with those
local sources then call the Mortgage
News Company in Orange County at (714) 836-1177 or give
us a call in San Diego (619) 283-5444.
|
August 16, 1992
|
7.750%
|
January 28, 1996
|
6.875%
|
|
September 13, 1992
|
7.500%
|
February 25, 1996
|
7.250%
|
|
October 11, 1992
|
7.750%
|
March 24, 1996
|
7.750%
|
|
November 8, 1992
|
8.250%
|
April 21, 1996
|
7.875%
|
|
December 6, 1992
|
8.125%
|
May 19, 1996
|
7.875%
|
|
January 3, 1993
|
8.000%
|
June 16, 1996
|
8.500%
|
|
January 31, 1993
|
7.625%
|
July 14, 1996
|
8.250%
|
|
February 28, 1993
|
7.250%
|
August 11, 1996
|
7.875%
|
|
March 28, 1993
|
7.375%
|
September 8, 1996
|
8.250%
|
|
April 25, 1993
|
7.125%
|
October 6, 1996
|
7.875%
|
|
May 23, 1993
|
7.375%
|
November 3, 1996
|
7.625%
|
|
June 20, 1993
|
7.250%
|
December 1, 1996
|
7.375%
|
|
July 18, 1993
|
7.000%
|
December 29, 1996
|
7.625%
|
|
August 15, 1993
|
6.875%
|
January 26, 1997
|
7.750%
|
|
September 12, 1993
|
6.500%
|
February 23, 1997
|
7.500%
|
|
October 10, 1993
|
6.500%
|
March 23, 1997
|
7.750%
|
|
November 7, 1993
|
6.875%
|
April 20, 1997
|
8.000%
|
|
December 5, 1993
|
7.000%
|
May 18, 1997
|
7.650%
|
|
January 2, 1994
|
6.875%
|
June 15, 1997
|
7.500%
|
|
January 30, 1994
|
6.750%
|
July 13, 1997
|
7.250%
|
|
February 27, 1994
|
7.125%
|
August 10, 1997
|
7.250%
|
|
March 27, 1994
|
7.625%
|
September 7, 1997
|
7.125%
|
|
April 24, 1994
|
8.375%
|
October 5, 1997
|
7.125%
|
|
May 22, 19994
|
8.125%
|
November 2, 1997
|
7.000%
|
|
June 19, 1994
|
8.125%
|
November 30, 1997
|
7.000%
|
|
July 17, 1994
|
8.625%
|
December 28, 1997
|
7.000%
|
|
August 14, 1994
|
8.500%
|
January 25, 1998
|
6.625%
|
|
September 11, 1994
|
8.250%
|
February 22, 1998
|
6.625%
|
|
October 9, 1994
|
8.875%
|
March 22, 1998
|
6.750%
|
|
November 6, 1994
|
9.125%
|
April 19, 1998
|
6.750%
|
|
December 4, 1994
|
9.250%
|
May 17, 1998
|
6.875%
|
|
January 1, 1995
|
8.875%
|
June 14, 1998
|
6.750%
|
|
January 29, 1995
|
9.000%
|
July 12, 1998
|
6.625%
|
|
February 26, 1995
|
8.375%
|
August 9, 1998
|
6.625%
|
|
March 26, 1995
|
8.250%
|
September 6, 1998
|
6.500%
|
|
April 23, 1995
|
8.125%
|
October 4, 1998
|
6.250%
|
|
May 21, 1995
|
7.750%
|
November 1, 1998
|
6.500%
|
|
June 18, 1995
|
7.375%
|
November 29, 1998
|
6.375%
|
|
July 16, 1995
|
7.250%
|
December 27, 1998
|
6.500%
|
|
August 13, 1995
|
7.750%
|
|
|
|
September 10, 1995
|
7.250%
|
|
|
|
October 8, 1995
|
7.375%
|
|
|
|
November 5, 1995
|
7.250%
|
|
|
|
December 3, 1995
|
7.125%
|
|
|
|
December 31, 1995
|
7.000%
|
|
|
Note: On average, add an additional
.375% for "jumbo" loans of $250,000 or more.
|
January 24, 1999
|
6.36%
|
|
February 21, 1999
|
6.51%
|
|
March 21, 1999
|
6.57%
|
|
April 18, 1999
|
6.50%
|
|
May 16, 1999
|
6.72%
|
|
June 13, 1999
|
7.14%
|
|
July 11, 1999
|
7.28%
|
|
August 8, 1999
|
7.61%
|
|
September 5, 1999
|
7.63%
|
|
October 3, 1999
|
7.40%
|
|
October 31, 1999
|
7.63%
|
|
November 28, 1999
|
7.38%
|
|
December 26, 1999
|
7.63%
|
|
January 23, 2000
|
7.95%
|
|
February 20, 2000
|
8.06%
|
|
March 19, 2000
|
7.96%
|
|
April 16, 2000
|
7.76%
|
|
May 14, 2000
|
8.26%
|
|
June 11, 2000
|
7.86%
|
|
July 9, 2000
|
7.64%
|
|
August 8, 2000
|
7.68%
|
|
September 3, 2000
|
7.59%
|
|
October 1, 2000
|
7.46%
|
|
October 29, 2000
|
7.20%
|
|
November 26, 2000
|
7.29%
|
|
December 24, 2000
|
6.71%
|
|
January 21, 2001
|
6.70%
|
|
February 18, 2001
|
6.69%
|
|
March 18, 2001
|
6.54%
|
|
April 15, 2001
|
6.75%
|
|
May 13, 2001
|
6.70%
|
|
June 10, 2001
|
6.79%
|
|
July 8, 2001
|
6.91%
|
|
August 5, 2001
|
6.59%
|
|
September 2, 2001
|
6.48%
|
|
September 30, 2001
|
6.31%
|
|
October 28, 2001
|
6.33%
|
|
November 25, 2001
|
6.53%
|
|
December 23, 2001
|
6.78%
|
|
January 20, 2002
|
6.49%
|
|
February 17, 2002
|
6.54%
|
|
March 17, 2002
|
6.71%
|
|
April 14, 2002
|
6.44%
|
|
May 12, 2002
|
6.43%
|
|
June 9, 2002
|
6.33%
|
|
July 7, 2002
|
6.20%
|
|
August 4, 2002
|
6.02%
|
|
September 1, 2002
|
5.90%
|
|
September 29, 2002
|
5.81%
|
|
October 27, 2002
|
5.98%
|
|
November 24, 2002
|
5.78%
|
|
December 22, 2002
|
5.61%
|
|
January 19, 2003
|
5.66%
|
|
February 16, 2003
|
5.55%
|
|
March 16, 2003
|
5.23%
|
|
April 13, 2003
|
5.46%
|
|
May 11, 2003
|
5.30%
|
|
June 08, 2003
|
4.94%
|
|
July 06, 2003
|
5.01%
|
|
August 03, 2003
|
5.63%
|
|
August 31, 2003
|
5.85%
|
|
September 28, 2003
|
5.575%
|
|
October 26, 2003
|
5.47%
|
|
November 23, 2003
|
5.56%
|
|
December 21, 2003
|
5.54%
|
|
January 18, 2004
|
5.33%
|
|
February 15, 2004
|
5.33%
|
|
March 14, 2004
|
5.33%
|
|
April 11, 2004
|
5.15%
|
|
May 09, 2004
|
5.65%
|
|
June 06, 2004
|
5.91%
|
|
July 04, 2004
|
5.93%
|
|
August 01, 2004
|
5.68%
|
|
August 29, 2004
|
5.50%
|
|
September 26, 2004
|
5.40%
|
|
October 24, 2004
|
5.38%
|
|
November 21, 2004
|
5.34%
|
|
December 19, 2004
|
5.39%
|
|
January 16, 2005
|
5.40%
|
|
February 13, 2005
|
5.36%
|
|
March 13, 2005
|
5.40%
|
|
April 10, 2005
|
5.57%
|
|
May 08, 2005
|
5.53%
|
|
June 05, 2005
|
5.44%
|
|
July 03, 2005
|
5.19%
|
|
July 31, 2005
|
5.36%
|
|
August 28, 2005
|
5.53%
|
|
September 25, 2005
|
5.44%
|
|
October 23, 2005
|
5.74%
|
|
November 20, 2005
|
5.88%
|
|
December 18, 2005
|
5.96%
|
|
January 15, 2006
|
5.79%
|
|
February 12, 2006
|
5.83%
|
|
March 12, 2006
|
5.85%
|
|
April 9, 2006
|
6.01%
|
|
May 7, 2006
|
6.23%
|
|
June 4, 2006
|
6.34%
|
|
July 2, 2006
|
6.45%
|
|
July 30, 2006
|
6.39%
|
|
August 27, 2006
|
6.13%
|
|
September 24, 2006
|
6.09%
|
|
October 22, 2006
|
6.00%
|
|
November 19, 2006
|
5.83%
|
|
December 17, 2006
|
5.66%
|
|
January 14, 2007
|
5.75%
|
|
February 11, 2007
|
5.89%
|
|
March 11, 2007
|
5.80%
|
|
April 8, 2007
|
5.86%
|
|
May 6, 2007
|
5.92%
|
|
June 3, 2007
|
5.97%
|
|
July 1, 2007
|
6.25%
|
|
July 29, 2007
|
6.25%
|
|
August 26, 2007
|
6.18%
|
|
September 23, 2007
|
6.02%
|
|
October 21, 2007
|
6.08%
|
|
November 18, 2007
|
6.00%
|
|
December 16, 2007
|
5.87%
|
|
January 13, 2008
|
5.77%
|
|
February 10, 2008
|
5.51%
|
|
March 10, 2008
|
5.74%
|
|
April 6, 2008
|
5.81%
|
|
May 4, 2008
|
5.87%
|
|
June 1, 2008
|
5.85%
|
|
June 29, 2008
|
6.45%
|
|
July 27, 2008
|
6.53%
|
|
August 24, 2008
|
6.47%
|
|
September 21, 2008
|
5.78%
|
|
October 19, 2008
|
6.46%
|
|
November 16, 2008
|
6.05%
|
|
December 14, 2008
|
5.38%
|
|
January 11, 2009
|
5.10%
|
|
February 8, 2009
|
5.25%
|
|
March 8, 2009
|
5.15%
|
|
April 5, 2009
|
4.78%
|
|
May 3, 2009
|
4.82%
|
|
May 31, 2009
|
4.91%
|
|
June 28, 2009
|
5.32%
|
|
July 26, 2009
|
5.20%
|
|
August 23, 2009
|
5.14%
|
|
September 20, 2009
|
5.04%
|
|
October 18, 2009
|
4.92%
|
|
November 15, 2009
|
4.91%
|
|
December 13, 2009
|
4.94%
|
|
January 10, 2010
|
5.06%
|
|
February 7, 2010
|
5.01%
|
|
March 7, 2010
|
4.97%
|
|
April 4, 2010
|
5.08%
|
|
May 2, 2010
|
5.06%
|
|
May 30, 2010
|
4.81%
|
|
June 27, 2010
|
4.69%
|
|
July 25, 2010
|
4.56%
|
|
August 22, 2010
|
4.42%
|
|
September 19, 2010
|
4.37%
|
|
October 17, 2010
|
4.19%
|
|
November 14, 2010
|
4.17%
|
December 12, 2010 |
4.71% |
January 9, 2011 |
4.76% |
February 6, 2011 |
5.05% |
March 6, 2011 |
4.89% |
April 3, 2011 |
5.10% |
May 1, 2011 |
4.69% |
May 29, 2011 |
4.54% |
June 26, 2011 |
4.52% |
July 24, 2011 |
4.68% |
August 21, 2011 |
4.11% |
September 18, 2011 |
4.26% |
October 16, 2011 |
4.02% |
November 13, 2011 |
4.01% |
December 11, 2011 |
3.98% |
January 8, 2012 |
3.92% |
February 5, 2012 |
3.87% |
March 4, 2012 |
3.90% |
April 1, 2012 |
3.91% |
April 29, 2012 |
3.79% |
May 27, 2012 |
3.67% |
June 24, 2012 |
3.69% |
July 22, 2012 |
3.60% |
August 19, 2012 |
3.66% |
September 16, 2012 |
3.52% |
October 14, 2012 |
3.39% |
November 11, 2012 |
3.40% |
December 9, 2012 |
3.40% |
January 6, 2013 |
3.34% |
February 3, 2013 |
3.53% |
March 3, 2013 |
3.51% |
March 31, 2013 |
3.57% |
April 28, 2013 |
3.40% |
May 26, 2013 |
3.59% |
June 23, 2013 |
3.93% |
July 21, 2013 |
4.54% |
August 18, 2013 |
4.64% |
September 15, 2013 |
4.67% |
October 13, 2013 |
4.41% |
November 12, 2013 |
4.37% |
December 8, 2013 |
4.54% |
January 5, 2014 |
4.53% |
February 2, 2014 |
4.58% |
March 2, 2014 |
4.56% |
March 30, 2014 |
4.41% |
April 27, 2014 |
3.40% |
May 25, 2014 |
3.59% |
June 22, 2014 |
3.93% |
July 20, 2014 |
4.37% |
August 17, 2014 |
4.12% |
September 14, 2014 |
4.16% |
October 12, 2014 |
4.12% |
November 9, 2014 |
4.02% |
December 7, 2014 |
3.89% |
January 4, 2015 | 3.87% |
February 1, 2015 | 3.66% |
March 1, 2015 | 3.80% |
March 29, 2015 | 3.69% |
April 26, 2015 | 3.65% |
May 24, 2015 | 3.84% |
June 21, 2015 | 4.00% |
July 19, 2015 | 4.09% |
August 16, 2015 | 3.94% |
September 13, 2015 | 3.90% |
October 11, 2015 | 3.76% |
November 8, 2015 | 3.87% |
December 6, 2015 | 3.93% |
January 3, 2016 | 4.01% |
January 31, 2016 | 3.79% |
February 28, 2016 | 3.62% |
March 27, 2016 | 3.71% |
April 24, 2016 | 3.59% |
May 22, 2016 | 3.58% |
June 19, 2016 | 3.54% |
July 17, 2016 | 3.42% |
August 14, 2016 | 3.45% |
September 11, 2016 | 3.44% |
October 9, 2016 | 3.42% |
November 6, 2016 | 3.54% |
December 4, 2016 | 4.08% |
January 1, 2017 | 4.32% |
January 29, 2017 | 4.19% |
February 26, 2017 | 4.16% |
March 26, 2017 | 4.23% |
April 23, 2017 | 3.97% |
May 21, 2017 | 4.02% |
June 18, 2017 | 3.91% |
July 16, 2017 | 4.03% |
August 13, 2017 | 3.90% |
September 10, 2017 | 3.78% |
October 8, 2017 | 3.85% |
November 5, 2017 | 3.94% |
December 3, 2017 | 3.90% |
December 31, 2017 | 3.99% |
January 28, 2018 | 4.15% |
February 25, 2018 | 4.40% |
March 25, 2018 | 4.45% |
April 22, 2018 | 4.47% |
May 20, 2018 | 4.61% |
June 17, 2018 |
Scheduled update |
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