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The Mortgage Rates Hit New Low of 3.89%! Will Rates Go Down Further In 2019?For example, the 5-year fixed closed posted mortgage rate is currently %, while the 5-year smart fixed closed posted mortgage rate is %. Compare mortgage interest rates and terms and find a mortgage that suits your needs. We're here to help with your home buying needs. Today's Special Mortgage Rates ; 3 Year Fixed � Amortization � % ; 5 Year Smart Fixed � Default insured mortgage � % ; 5 Year Smart Fixed � Amortization � %.