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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 Oct. 24 - 31 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.16 4.07%
15-Year Fixed 3.34% 0.13 3.34%
5/1 ARM 3.07% 0.08 3.07%
*weekly rolling averages

Show graph data
  • 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


Mortgage refinance rates in Virginia

3.125% Rate

15 Yr. Fixed

3.221% APR

$1,393 / month (est)

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Updated 10/30/2014

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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2.500% Rate

15 Yr. Fixed

2.921% APR

$1,334 / month (est)

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Updated 10/30/2014

  • Apply & Lock Rate 24/7!
  • View Good Faith Estimate Online 24/7!
  • All Lender & 3rd Party Fees Guaranteed, per Online GFE!
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3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 10/30/2014

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
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2.990% Rate

15 Yr. Fixed

3.310% APR

$1,380 / month (est)

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Updated 10/30/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansMember of BBB
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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3.375% Rate

15 Yr. Fixed

3.799% APR

$1,418 / month (est)

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Updated 10/30/2014

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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Mortgages from 3.00% (3.05% APR)
  • $200k Loan for Under $843/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Maximum Loan
BANK OF AMERICA MI 313-965-4774 SOUTHERN MICHIGAN 20 3.375 0.404 417
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 3 1.5 417
BMO HARRIS BANK WI 262-255-4600 ALL WISCONSIN 20 3.25 0 417
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.125 1.375 1000
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 3.375 0 417
FIRST NIAGARA BANK CT 203-789-2781 ALL CONNECTICUT 20 3.25 0 417
KEY BANK IN 800-487-8334 ALL INDIANA 25 3.33 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 3.33 0 417
KEY BANK OF UTAH UT 801-236-3220 ALL UTAH 25 3.33 0 417
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 3 0.375 417
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 2.99 1.543 417
TD BANK FL 727-846-1444 ALL FLORIDA 20 3.438 0 417
THIRD FEDERAL S&L OH 216-441-6000 ALL OHIO 20 3.24 0 417
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 3.125 0 1000
WELLS FARGO HOME MORTGAGE FL 407-622-2770 ALL FLORIDA 20 3.75 0 1000
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 3.375 0 417


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


  • 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.