__________________________________________
Average daily rate per month for conventional 30 year fixed mortgage rates is shown in gray.  Source:
Freddie Mac. The forecast for the  target month is shown in green.
30 Year Mortgage Rates - 5 Year History
30 Year Mortgage Rate Forecast
Target Month
Forecast
HDTFA
Forecast for the average daily mortgage
interest rate for the 30 year fixed rate mortgage
during the target month shown at the left.
August 2011
4.61%
.48%
Updated Monday, August 9, 2010.
30 Year Mortgage Interest Rate Forecast
5.0%
5.5%
6.0%
6.5%
30 Year Mortgage Rate Forecast
Compare US Interest Rates
Historical 30 Year Mortgage Interest Rates
Year
Percent
Year
Percent
Year
Percent
Year
Percent
1964
1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
5.45
5.46
6.25
6.55
7.11
8.13
9.01
7.76
7.38
8.04
9.19
9.04
8.87
8.84
1978
1979
1980
1981
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
9.64
11.19
13.77
16.63
16.08
13.23
13.87
12.42
10.18
10.20
10.34
10.32
10.13
9.25
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
8.40
7.33
8.36
7.96
7.81
7.60
6.94
7.43
8.06
6.97
6.54
5.82
5.84
5.87
2006
2007
2008
2009
6.41
6.34
6.04
5.04
Average annual rates for the 30 Year Mortgage are shown in this table: 1964 to present
4.5%
4.0%
Market Commentary  4793
July, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 4.61% in one year. The table shows a HDTFA of 0.48%
which suggests that the August, 2011 rate could easily fall between 5.09% and
4.12%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATE
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%
2010 - Mar     5.0%
2010 - Apr      5.1%
2010 - May     4.9%
2010 - Jun      4.7%
2010 - Jul       4.6%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATE
Average (Last 12 Months)        4.94%.
Average (Last 10 Years)          6.10%
High (Last 12 Months)             5.19% (August, 2009)
Low (Last 12 Months)              4.56% (July, 2010)
High (Since January, 1964)    18.45% (October, 1981)
Low (Since January, 1964)      4.56% (July, 2010)


The 30 Year Mortgage Interest Rate for July, 2010 averaged 4.56%. That's 18
basis points lower than the June, 2010 rate of 4.74%, and 66 basis points lower
than the July, 2009 rate of 5.22%.  The fall in rates from June to July indicates
that the short term rate trend has been down. If that market trend continues, we
should see an average daily rate in August, 2010 that is close to 4.38%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 4.94%.
The average rate over the last 10 years was 6.10%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.19%. The lowest was
4.56%. The high annual rate was attained in August, 2009. The market low was
achieved in July, 2010.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.63%. The highest rate was 18.45%. The lowest rate was 4.56%.  
The market high was attained in October, of 1981. The market low was
achieved in July of 2010. Recent rates experienced in July of 2010 are low
relative to the historical 8.63% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.






Market Commentary  4183
June, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 4.79% in one year. The table shows a HDTFA of 0.50%
which suggests that the July, 2011 rate could easily fall between 5.29% and
4.29%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATE
2009 - Jul       5.2%
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%
2010 - Mar     5.0%
2010 - Apr      5.1%
2010 - May     4.9%
2010 - Jun      4.7%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATE
Average (Last 12 Months)        5.00%.
Average (Last 10 Years)          6.13%
High (Last 12 Months)             5.22% (July, 2009)
Low (Last 12 Months)              4.74% (June, 2010)
High (Since January, 1964)    18.45% (October, 1981)
Low (Since January, 1964)      4.74% (June, 2010)


The 30 Year Mortgage Interest Rate for June, 2010 averaged 4.74%. That's 15
basis points lower than the May, 2010 rate of 4.89%, and 68 basis points lower
than the June, 2009 rate of 5.42%.  The fall in rates from May to June indicates
that the short term rate trend has been down. If that market trend continues, we
should see an average daily rate in July, 2010 that is close to 4.59%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 5.00%.
The average rate over the last 10 years was 6.13%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.22%. The lowest was
4.74%. The high annual rate was attained in July, 2009. The market low was
achieved in June, 2010.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.64%. The highest rate was 18.45%. The lowest rate was 4.74%.  
The market high was attained in October, of 1981. The market low was
achieved in June of 2010. Recent rates experienced in June of 2010 are low
relative to the historical 8.64% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.






Market Commentary  4107
May, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 4.94% in one year. The table shows a HDTFA of 0.52%
which suggests that the June, 2011 rate could easily fall between 5.45% and
4.42%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATE
2009 - Jun      5.4%
2009 - Jul       5.2%
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%
2010 - Mar     5.0%
2010 - Apr      5.1%
2010 - May     4.9%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATE
Average (Last 12 Months)        5.05%.
Average (Last 10 Years)          6.16%
High (Last 12 Months)             5.42% (June, 2009)
Low (Last 12 Months)              4.88% (November, 2009)
High (Since January, 1964)    18.45% (October, 1981)
Low (Since January, 1964)      4.81% (April, 2009)


The 30 Year Mortgage Interest Rate for May, 2010 averaged 4.89%. That's 21
basis points lower than the April, 2010 rate of 5.1%, and 3 basis points higher
than the May, 2009 rate of 4.86%.  The fall in rates from April to May indicates
that the short term rate trend has been down. If that market trend continues, we
should see an average daily rate in June, 2010 that is close to 4.68%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 5.05%.
The average rate over the last 10 years was 6.16%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.88%. The high annual rate was attained in June, 2009. The market low was
achieved in November, 2009.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.64%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The market high was attained in October, of 1981. The market low was
achieved in April of 2009. Recent rates experienced in May of 2010 are low
relative to the historical 8.64% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.






Market Commentary  4031
April, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 5.15% in one year. The table shows a HDTFA of 0.54%
which suggests that the May, 2011 rate could easily fall between 5.69% and
4.61%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATE
2009 - May     4.9%
2009 - Jun      5.4%
2009 - Jul       5.2%
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%
2010 - Mar     5.0%
2010 - Apr      5.1%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATE
Average (Last 12 Months)        5.05%.
Average (Last 10 Years)          6.19%
High (Last 12 Months)             5.42% (June, 2009)
Low (Last 12 Months)              4.86% (May, 2009)
High (Since January, 1964)    18.45% (October, 1981)
Low (Since January, 1964)      4.81% (April, 2009)


The 30 Year Mortgage Interest Rate for April, 2010 averaged 5.1%. That's 13
basis points higher than the March, 2010 rate of 4.97%, and 29 basis points
higher than the April, 2009 rate of 4.81%.  The rise in rates from March to April
indicates that the short term rate trend has been up. If that market trend
continues, we should see an average daily rate in May, 2010 that is close to
5.23%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 5.05%.
The average rate over the last 10 years was 6.19%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.86%. The high annual rate was attained in June, 2009. The market low was
achieved in May, 2009.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.65%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The market high was attained in October, of 1981. The market low was
achieved in April of 2009. Recent rates experienced in April of 2010 are low
relative to the historical 8.65% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.






Market Commentary  3421
March, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 5.02% in one year. The table shows a HDTFA of 0.53%
which suggests that the April, 2011 rate could easily fall between 5.54% and
4.49%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATE
2009 - Apr      4.8%
2009 - May     4.9%
2009 - Jun      5.4%
2009 - Jul       5.2%
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%
2010 - Mar     5.0%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATE
Average (Last 12 Months)        5.03%.
Average (Last 10 Years)          6.21%
High (Last 12 Months)             5.42% (June, 2009)
Low (Last 12 Months)              4.81% (April, 2009)
High (Since January, 1964)    18.45% (October, 1981)
Low (Since January, 1964)      4.81% (April, 2009)


The 30 Year Mortgage Interest Rate for March, 2010 averaged 4.97%. That's 2
basis points lower than the February, 2010 rate of 4.99%, and 3 basis points
lower than the March, 2009 rate of 5%.  The minor movement in rates from
February to March indicates that the short term rate trend has been relatively
flat. If that market trend continues, we should see an average daily rate in April,
2010 that is close to 4.95%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 5.03%.
The average rate over the last 10 years was 6.21%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.81%. The high annual rate was attained in June, 2009. The market low was
achieved in April, 2009.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.66%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The market high was attained in October, of 1981. The market low was
achieved in April of 2009. Recent rates experienced in March of 2010 are low
relative to the historical 8.66% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.






Market Commentary  3345
February, 2010 Data:

The forecast for the 30 Year Mortgage Interest Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Mortgage Interest
Rates will be roughly 5.04% in one year. The table shows a HDTFA of 0.53%
which suggests that the March, 2011 rate could easily fall between 5.57% and
4.51%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

MONTHLY 30 YEAR MORTGAGE INTEREST RATES
2009 - Mar     5.0%
2009 - Apr      4.8%
2009 - May     4.9%
2009 - Jun      5.4%
2009 - Jul       5.2%
2009 - Aug     5.2%
2009 - Sep     5.1%
2009 - Oct      5.0%
2009 - Nov     4.9%
2009 - Dec     4.9%
2010 - Jan      5.0%
2010 - Feb     5.0%

HISTORICAL 30 YEAR MORTGAGE INTEREST RATES
Average Rate (Last 12 Months)            5.03%.
Average Rate (Last 10 Years)              6.24%
Highest Rate (Last 12 Months)             5.42% (June, 2009)
Lowest Rate (Last 12 Months)              4.81% (April, 2009)
Highest Rate (Since January, 1964)    18.45% (October, 1981)
Lowest Rate (Since January, 1964)      4.81% (April, 2009)


The 30 Year Mortgage Interest Rate for February, 2010 averaged 4.99%.
That's 4 basis points lower than the January, 2010 rate of 5.03%, and 14 basis
points lower than the February, 2009 rate of 5.13%.  The minor movement in
rates from January to February indicates that the short term rate trend has
been relatively flat. If that market trend continues, we should see an average
daily rate in March, 2010 that is close to 4.95%.

The average 30 Year Mortgage Interest Rate for the last 12 months was 5.03%.
The average rate over the last 10 years was 6.24%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Mortgage Interest Rates is
down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.81%. The high annual rate was attained in June, 2009. The market low was
achieved in April, 2009.

ForecastChart.com's historical research covers 30 Year Mortgage Interest Rate
data back to January, 1964. The average annual rate during that period of
history was 8.66%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The market high was attained in October, of 1981. The market low was
achieved in April of 2009. Recent rates experienced in February of 2010 are
low relative to the historical 8.66% average.

This page provides a five year chart and a forecast for 30 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 30 Year Mortgage Interest Rates. Just one glance at our long
term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the 30 Year
Mortgage Interest Rate in numerical format.







Commentary  3269
January, 2010 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Fixed Mortgage Rates
will be roughly 5.08% in one year. The table shows a HDTFA of 0.53% which
suggests that the February, 2011 rate could easily fall between 5.61% and
4.55%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

The 30 Year Fixed Mortgage Rate for January, 2010 averaged 5.03%. That's
10 basis points higher than the December, 2009 rate of 4.93%, and 3 basis
points lower than the January, 2009 rate of 5.06%.  The rise in rates from
December to January indicates that the short term rate trend has been up. If
that trend continues, we should see an average daily rate in February, 2010
that is close to 5.13%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.04%.
The average rate over the last 10 years was 6.27%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.81%. The high annual rate was attained in June, 2009. The low was achieved
in April, 2009.

ForecastChart.com's historical research covers 30 Year Fixed Mortgage Rate
data back to January, 1964. The average annual rate during that period of
history was 8.67%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The high was attained in October, of 1981. The low was achieved in April of
2009. Recent rates experienced in January of 2010 are low relative to the
historical 8.67% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  2278
December, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. ForecastChart.com is forecasting that 30 Year Fixed Mortgage Rates
will be roughly 4.98% in one year. The table shows a HDTFA of 0.52% which
suggests that the January, 2011 rate could easily fall between 5.50% and
4.45%. Links to Forecasts for many other interest rates may be found on the
left side of this page.

The 30 Year Fixed Mortgage Rate for December, 2009 averaged 4.93%. That's
5 basis points higher than the November, 2009 rate of 4.88%, and 40 basis
points lower than the December, 2008 rate of 5.33%.  The rise in rates from
November to December indicates that the short term rate trend has been up. If
that trend continues, we should see an average daily rate in January, 2010 that
is close to 4.98%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.04%.
The average rate over the last 10 years was 6.29%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.81%. The high annual rate was attained in June, 2009. The low was achieved
in April, 2009.

ForecastChart.com's historical research covers 30 Year Fixed Mortgage Rate
data back to January, 1964. The average annual rate during that period of
history was 8.68%. The highest rate was 18.45%. The lowest rate was 4.81%.  
The high was attained in October, of 1981. The low was achieved in April of
2009. Recent rates experienced in December of 2009 are low relative to the
historical 8.68% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  2202
November, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. We are forecasting that 30 Year Fixed Mortgage Rates will be
roughly 4.93% in one year. The table shows a HDTFA of 0.52% which suggests
that the December, 2010 rate could easily fall between 5.45% and 4.41%. Links
to Forecasts for many other interest rates may be found on the left side of this
page.

The 30 Year Fixed Mortgage Rate for November, 2009 averaged 4.88%. That's
7 basis points lower than the October, 2009 rate of 4.95%, and 121 basis
points lower than the November, 2008 rate of 6.09%.  The fall in rates from
October to November indicates that the short term rate trend has been down. If
that trend continues, we should see an average daily rate in December, 2009
that is close to 4.81%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.08%.
The average rate over the last 10 years was 6.32%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 5.42%. The lowest was
4.81%. The high annual rate was attained in June, 2009. The low was achieved
in April, 2009.

Our historical research covers 30 Year Fixed Mortgage Rate data back to
January, 1964. The average annual rate during that period of history was
8.68%. The highest rate was 18.45%. The lowest rate was 4.81%.  The high
was attained in October, of 1981. The low was achieved in April of 2009.
Recent rates experienced in November of 2009 are low relative to the historical
8.68% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  2126
October, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. We are forecasting that 30 Year Fixed Mortgage Rates will be
roughly 5.00% in one year. The table shows a HDTFA of 0.53% which suggests
that the November, 2010 rate could easily fall between 5.53% and 4.47%. Links
to Forecasts for many other interest rates may be found on the left side of this
page.

The 30 Year Fixed Mortgage Rate for October, 2009 averaged 4.95%. That's
11 basis points lower than the September, 2009 rate of 5.06%, and 125 basis
points lower than the October, 2008 rate of 6.2%.  The fall in rates from
September to October indicates that the short term rate trend has been down. If
that trend continues, we should see an average daily rate in November, 2009
that is close to 4.84%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.18%.
The average rate over the last 10 years was 6.34%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 6.09%. The lowest was
4.81%. The high annual rate was attained in November, 2008. The low was
achieved in April, 2009.

Our historical research covers 30 Year Fixed Mortgage Rate data back to
January, 1964. The average annual rate during that period of history was
8.69%. The highest rate was 18.45%. The lowest rate was 4.81%.  The high
was attained in October, of 1981. The low was achieved in April of 2009.
Recent rates experienced in October of 2009 are low relative to the historical
8.69% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  1135
September, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. We are forecasting that 30 Year Fixed Mortgage Rates will be
roughly 5.11% in one year. The table shows a HDTFA of 0.54% which suggests
that the October, 2010 rate could easily fall between 5.65% and 4.57%. Links to
Forecasts for many other interest rates may be found on the left side of this
page.

The 30 Year Fixed Mortgage Rate for September, 2009 averaged 5.06%.
That's 13 basis points lower than the August, 2009 rate of 5.19%, and 98 basis
points lower than the September, 2008 rate of 6.04%.  The fall in rates from
August to September indicates that the short term rate trend has been down. If
that trend continues, we should see an average daily rate in October, 2009 that
is close to 4.93%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.28%.
The average rate over the last 10 years was 6.37%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 6.2%. The lowest was
4.81%. The high annual rate was attained in October, 2008. The low was
achieved in April, 2009.

Our historical research covers 30 Year Fixed Mortgage Rate data back to
January, 1964. The average annual rate during that period of history was
8.70%. The highest rate was 18.45%. The lowest rate was 4.81%.  The high
was attained in October, of 1981. The low was achieved in April of 2009.
Recent rates experienced in September of 2009 are low relative to the historical
8.70% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  1059
August, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. We are forecasting that 30 Year Fixed Mortgage Rates will be
roughly 5.24% in one year. The table shows a HDTFA of 0.55% which suggests
that the September, 2010 rate could easily fall between 5.79% and 4.69%.
Links to Forecasts for many other interest rates may be found on the left side of
this page.

The 30 Year Fixed Mortgage Rate for August, 2009 averaged 5.19%. That's 3
basis points lower than the July, 2009 rate of 5.22%, and 129 basis points lower
than the August, 2008 rate of 6.48%.  The minor movement in rates from July to
August indicates that the short term rate trend has been relatively flat. If that
trend continues, we should see an average daily rate in September, 2009 that
is close to 5.16%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.36%.
The average rate over the last 10 years was 6.39%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 6.2%. The lowest was
4.81%. The high annual rate was attained in October, 2008. The low was
achieved in April, 2009.

Our historical research covers 30 Year Fixed Mortgage Rate data back to
January, 1964. The average annual rate during that period of history was
8.70%. The highest rate was 18.45%. The lowest rate was 4.81%.  The high
was attained in October, of 1981. The low was achieved in April of 2009.
Recent rates experienced in August of 2009 are low relative to the historical
8.70% average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






Commentary  983
July, 2009 Data:

The forecast for the 30 Year Fixed Mortgage Rate is in the table at the top of
this page. We are forecasting that 30 Year Fixed Mortgage Rates will be
roughly 5.27% in one year. The table shows a HDTFA of 0.56% which suggests
that the August, 2010 rate could easily fall between 5.83% and 4.72%. Links to
Forecasts for many other interest rates may be found on the left side of this
page.

The 30 Year Fixed Mortgage Rate for July, 2009 averaged 5.22%. That's 20
basis points lower than the June, 2009 rate of 5.42%, and 121 basis points
lower than the July, 2008 rate of 6.43%.  The fall in rates from June to July
indicates that the short term rate trend has been down. If that trend continues,
we should see an average daily rate in August, 2009 that is close to 5.02%.

The average 30 Year Fixed Mortgage Rate for the last 12 months was 5.47%.
The average rate over the last 10 years was 6.41%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 30 Year Fixed Mortgage Rates is down.

The highest annual rate over the last 12 months was 6.48%. The lowest was
4.81%. The high annual rate was attained in August, 2008. The low was
achieved in April, 2009.

Our historical research covers 30 Year Fixed Mortgage Rate data back to
January, 1964. The average annual rate during that period of history was
8.71%. The highest rate was 18.45%. The lowest rate was 4.81%.  The high
was attained in October, of 1981. The low was achieved in April of 2009.
Recent rates experienced in July of 2009 are low relative to the historical 8.71%
average.

This page provides a five year chart and a forecast for 30 Year Fixed Mortgage
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 30 Year Fixed Mortgage Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 30 Year Fixed
Mortgage Rate in numerical format.






June, 2009 Data:
The forecast for the 30 Year Mortgage Rate is in the table at the top of this
page. We are forecasting that 30 Year Mortgage Rates will be roughly 5.47% in
one year. The table shows a HDTFA of 0.58% which suggests that the July,
2010 rate could easily fall between 6.05% and 4.90%. Links to Forecasts for
many other interest rates may be found on the left side of this page.

The 30 Year Mortgage Rate for June, 2009 averaged 5.42%. That's 56 basis
points higher than the May, 2009 rate of 4.86%, and 90 basis points lower than
the June, 2008 rate of 6.32%.  The rise in rates from May to June provides
evidence that the short term rate trend is up. If that trend continues, we should
see an average daily rate in July, 2009 that is close to 5.98%.

The average 30 Year Mortgage Rate for the last 12 months was 5.57%. The
average rate over the last 10 years was 6.43%.  Lower rates over the last 12
months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in the 30 Year Mortgage Rate is down.

The highest annual rate over the last 12 months was 6.48%. The lowest was
4.81%. The high annual rate was attained in August, 2008. The low was
achieved in April, 2009.

Our historical research covers 30 Year Mortgage Rate data back to January,
1964. The average annual rate during that period of history was 8.72%. The
highest rate was 18.45%. The lowest rate was 4.81%.  The high was attained in
October, of 1981. The low was achieved in April of 2009. Recent rates
experienced in June of 2009 are low relative to the historical 8.72% average.

This page provides a five year chart and a forecast for the 30 Year Mortgage
Rate. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on the 30 Year Mortgage Rate. Just one glance at our long term charts
can provide tremendous insight into the historical trends of the financial
markets. The data table below presents the history of the 30 Year Mortgage
Rate in numerical format.






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