The new week kicked off with declining mortgage rates across the board, led by a 6-basis-point (a basis point equals 1/100 of a percent) drop in the 30-year fixed jumbo loan. Not far behind that easing was a 0.04% drop in the 30-year fixed rate, which now sits at 3.76%. Most of the other loan alternatives dropped a more modest 2 or 3 basis points.

After today's positive changes, all the various loan options are now below last month's, with several considerably lower.

Here are today's average mortgage rates across the U.S., along with where they stood a month ago.

Mortgage Type

Mortgage Rates Today

Mortgage Rates 1 Month Ago

30-year fixed jumbo

4.20%

4.42%

30-year fixed

3.76%

3.89%

15-year fixed

3.00%

3.09%

30-year fixed refinance

3.74%

3.90%

15-year fixed refinance

2.99%

3.07%

5/1 ARM

3.15%

3.17%

5/1 ARM refinance

3.25%

3.28%

Data source: Bloomberg. National average rates, which may include points.

Today's mortgage rates are near historical lows, and a few more days like today may even rival last year's bargain-basement loans. For some perspective, here are a few of the average mortgage rates from June 2016.

Mortgage Type

Mortgage Rates, June 2016

30-year fixed

3.57%

15-year fixed

2.84%

5/1 ARM

2.78%

Data source: Federal Home Loan Mortgage Corporation (Freddie Mac). Rates do not include points.

For homeowners considering a home equity line of credit (HELOC) or equity loan, the good news continues. HELOCs held steady at 5.35%, while equity loans inched up a mere basis point to 5.27%. A month ago, HELOCs were at 5.33% and equity loans at 5.28%.

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