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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 Jul. 24 - 31 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.13 4.05%
15-Year Fixed 3.36% 0.10 3.36%
5/1 ARM 3.04% 0.08 3.04%
*weekly rolling averages

Hide graph data
1/15 2/15 3/15 4/15 5/15 6/15 7/15
15-Year Fixed 3.26 3.20 3.25 3.13 3.20 3.34 3.39
  • 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

  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.80% APR)
www.ratezip.com
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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Mortgage Refinance rates in Virginia

3.000% Rate

15 Yr. Fixed

3.395% APR

$1,381 / month (est)

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Updated 7/28/2015

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
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2.750% Rate

15 Yr. Fixed

3.139% APR

$1,357 / month (est)

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Updated 7/30/2015

Member of BBBOffers HARP LoansVA Approved LenderFHA Approved LenderLow Fees
  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
Call Now

3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

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Updated 7/30/2015

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
Learn More

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
ABACUS FEDERAL SAVINGS BANK NY 212-285-4770 ALL NEW YORK,NJ 20 3.625 0 625
ANCHOR BANK WI 608-252-8800 ALL WISCONSIN 5 3.1 0 417
BANK OF AMERICA CT 860-616-1920 ALL CONNECTICUT 20 3.125 0.233 417
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 3.375 0.125 417
BOILING SPRINGS SAVINGS BANK NJ 201-939-5000 ALL NEW JERSEY 10 3.25 0 417
CHASE BANK FL 727-518-0449 ALL FLORIDA 20 3.375 0.125 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.375 0.125 417
CITIZENS BANK OH 216-883-2803 NORTHERN OHIO 20 3.5 0 750
DEARBORN FEDERAL SAVINGS BK MI 313-565-3100 DEARBORN METRO 10 3.25 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.375 0 600
JOHNSON BANK WI 414-304-7000 ALL WISCONSIN 20 3.15 0 417
KEY BANK IN 317-464-8008 ALL INDIANA 25 3.4 0 417
KEY BANK OH 800-422-2442 ALL OHIO 25 3.4 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.5 1 1000
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 5 3.125 1 417
NATIONAL PENN BANK NJ 609-499-0355 SOUTH,CENTRAL NEW JERSEY 25 3 0 417
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 4 0 700
REGIONS BANK FL 305-541-4547 ALL FLORIDA 20 3.625 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 3 0 417
SHORE MORTGAGE MI 248-433-3300 DETROIT METRO 20 3.375 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.