So far today yesterday's modest improvements have extended over into today, however instead of being "modest", the gains have been substantial! This has allowed lenders to improve mortgage rates this morning. The par 30 year conventional rate mortgage remains in the 4.875% to 5.125% range for well qualified consumers. To secure a par interest rate you must have a FICO credit score of 740 or higher, a loan to value at 80% or less and pay all closing costs with an estimated one point loan origination/discount/broker fee. ...