Mortgage rates today, Tuesday, July 5: Down again and nearing historic lows

Low mortgageBy Hal M. Bundrick | Nerd Wallet

Fixed-rate mortgage terms are steeply discounted and approaching historic levels. After another round of cuts this morning, mortgage rates on 30-year terms are near all-time lows while 15-year home loans are now below 3%, according to an early Tuesday survey of major national lenders.

The NerdWallet Mortgage Rate Index compiles annual percentage rates — lender interest rates plus fees — the most accurate way for consumers to compare rates. Here are today’s average rates for the most popular loan terms:

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