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15 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

15-Year Fixed

Mortgage Rates for Feb. 20 - 27 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.92% 0.13 3.92%
15-Year Fixed 3.26% 0.13 3.26%
5/1 ARM 3.08% 0.12 3.08%
*weekly rolling averages

Hide graph data
8/14 9/14 10/14 11/14 12/14 1/15 2/15
15-Year Fixed 3.46 3.47 3.43 3.38 3.34 3.26 3.20
  • Rate changes: Never; fully fixed for entire term
  • Benefits: Stable payments; builds equity faster; lower total interest costs than 30-year term
  • Alternative Strategy: Consider 30-year term and prepaying loan to preserve cash-flow flexibility
  • Useful for: Refinancing to lower total interest cost; retiring mortgage more quickly; building or rebuilding equity more quickly
  • Consider if: Buying second home; refinancing to build equity; paying off mortgage before life event (retirement, etc)
  • When shopping, ask about: If 15-year term makes the payment too high, whether 20-year term is available

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Mortgage refinance rates in Virginia

2.990% Rate

15 Yr. Fixed

3.193% APR

$1,380 / month (est)

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Updated 2/27/2015

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3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 2/27/2015

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
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2.990% Rate

15 Yr. Fixed

3.275% APR

$1,380 / month (est)

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Updated 2/26/2015

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansImmediate Rate Lock
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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Here's a small random sample of loan rates drawn from the survey of objective information we collect every day. Our database contains current data on thousands of loans from lenders coast to coast -- including jumbo loans.

Unlike other 'surveys,' and other Web sites, the below mortgage rates are not advertisements. HSH contacts over lenders across the country every week -- the same objective survey we've conducted for over 30 years. Our data is so reliable that it's used by Fortune 500 companies, government agencies, the media, and other clients.

These are representative of loans which may be offered in your area, but we don't claim that these are the "best" available. There are many factors which make the "best" loan dependent upon your individual circumstance.

Ready to order your comprehensive list of local lenders? We can email the latest mortgage report to you for just $10 (plus $1 s/h). It includes the application fee, APR, rate-lock info, index, margin, and caps on 3 or more loans per lender. Or you can order it as part of our Homebuyer's Mortgage Kit, which is just $20 (plus $3 s/h).

List of Areas List of Areas

To order a report for your area by Phone, just call 1-800-873-2837 (Mon-Fri, 9am-5pm Eastern time); Visa and MasterCard accepted.

All information is Copyright© 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 3 0.19 417
BANK OF THE WEST CA 213-386-7460 ALL CALIFORNIA 20 3.375 0 1500
BANNER BANK WA 509-892-4673 ALL WASHINGTON 20 3 0.375 417
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 3.25 0 417
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 3.375 0 750
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.25 0 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.125 0.375 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.375 0 1000
CITIBANK, FSB VA 703-478-3303 NORTHERN VIRGINIA 20 3.125 0.125 1000
CITIBANK, FSB FL 786-709-9161 DADE, BROWARD, PALM BEACH 20 3.125 0 417
CITIZENS BANK CT 860-526-6410 ALL CONNECTICUT 20 3.25 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3 0 417
HUDSON CITY SAVINGS BANK NY 631-765-4019 ALL NEW YORK 20 3.625 0 1000
PYRAMAX BANK WI 414-645-5962 ALL WISCONSIN 20 3 0 417
RIDGEWOOD SAVINGS BANK NY 718-240-4800 BROOKLYN,QUEENS,LONG ISLAND 20 3.25 0 625
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 3.125 1.036 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 3.125 0 650
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 3 0 417
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 3.75 0 1000
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 3.125 0 417

 

Be sure to see our other loan samples:
30-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs

Notes:

  • All interest rates and terms are subject to change without notice.
  • These lenders offer many different loan programs. If you want one that isn't listed, contact the lender directly.
  • The conforming loan limit for a one-family home is $417,000; two- to four-family homes have higher loan amounts.
  • Lenders which offer conforming loans almost always offer jumbo loans as well.

Column heading key

Lender: The institution. If a credit union, you'll need to contact them for membership information and details.

State: The state in which the lender is located.

Phone: The lender's contact number.

Lending Area: The area which the listed office serves.

Adjustment Period: How often the interest rate adjusts (in years).

Term:The total term of the mortgage.

Down Payment: The required down payment for the listed loan.

Interest Rate: The interest rate being charged for the listed loan.

Points: A fee, expressed as a percentage of the loan amount.
One point is equal to a 1% fee; a 1% fee on $100,000 would be a $1000 fee.

Maximum Loan: The maximum dollar amount available at the listed rates and terms.

Index Used: The name of the index used to govern rate changes.