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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 Jun. 24 - Jul. 01 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.57% 0.20 3.57%
15-Year Fixed 2.98% 0.18 2.98%
5/1 ARM 2.78% 0.17 2.78%
*weekly rolling averages

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1/16 2/16 3/16 4/16 5/16 6/16 7/16
15-Year Fixed 3.41 3.16 3.15 3.12 3.06 3.10 2.98
  • 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

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2.875% Rate

15 Yr. Fixed

3.225% APR

$2,070 / month (est)

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Updated 6/29/2016

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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© 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Maximum Loan
BANK OF AMERICA NY 516-247-3257 ALL NEW YORK 20 2.75 0.543 417
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 2.625 0.747 417
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3.625 0 1000
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3 0 417
BOGOTA SAVINGS BANK NJ 201-862-1179 NORTHERN & CENTRAL NJ 20 2.875 0 417
CHASE BANK FL 305-443-3969 ALL FLORIDA 30 3.375 0.125 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.125 0.875 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.5 0.125 1000
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 10 2.875 0 417
FIRST NIAGARA BANK CT 203-789-2781 ALL CONNECTICUT 20 2.75 0 417
FIRST-CITIZENS BANK NC 919-716-7121 ALL NORTH CAROLINA 20 2.75 0.38 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 20 3 0 650
SANTANDER BANK MA 508-370-0601 ALL MASSACHUSETTS 20 2.75 0 1000
US BANK CO 303-989-1777 ALL COLORADO 20 2.95 0 417
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 3.375 0 1000
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 20 3.125 0 650
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 2.875 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.625 0 1000
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 2.875 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.