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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 Nov. 20 - 27 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.01% 0.12 4.01%
15-Year Fixed 3.36% 0.10 3.36%
5/1 ARM 3.19% 0.06 3.19%
*weekly rolling averages

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5/15 6/15 7/15 8/15 9/15 10/15 11/15
15-Year Fixed 3.20 3.34 3.39 3.33 3.29 3.21 3.33
  • 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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  • Fixed Mortgage Rates
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  • (2.78% APR)

Mortgage Refinance rates in Virginia

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3.000% Rate

15 Yr. Fixed

3.253% APR

$1,381 / month (est)

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Updated 11/30/2015

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3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

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Updated 11/30/2015

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Mortgage Rates From 3.13% (3.14% APR)
  • $200k Loan for Under $857/Month
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Other lenders for Mortgage Refinance of $200,000 in Virginia

2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

Updated 11/30/2015

  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
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3.000% Rate

15 Yr. Fixed

3.083% APR

$1,381 / month (est)

Updated 11/30/2015

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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 %
Maximum Loan
ASSOCIATED BANK IL 847-367-1850 ALL ILLINOIS,WI 20 3.625 0 1000
BANK OF AMERICA HOME LOANS CA 415-436-5156 ALL CALIFORNIA 20 3.375 0.316 1000
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 3.125 0.174 417
BBVA COMPASS BANK TX 713-966-2383 ALL TEXAS 20 3.375 1 417
BBVA COMPASS BANK CO 303-308-9912 ALL COLORADO 20 3.5 1 1000
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3.375 0 1000
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3.375 0 417
CHASE BANK WI 414-259-6630 ALL WISCONSIN 20 3.25 0.375 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.25 0.25 417
CITIZENS BANK VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.375 0 417
CITY NATIONAL BANK CA 213-673-9900 ALL CALIFORNIA 25 3.5 0 1000
GOLDEN 1 CREDIT UNION CA 800-462-1663 ALL CALIFORNIA 20 3.125 0 417
HOME TRUST COMPANY TX 972-612-4848 ALL TEXAS 5 4 1 417
PHH HOME LOANS MN 952-844-6300 ALL MINNESOTA 5 3 0 417
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 2.875 1 417
TD BANK NJ 201-574-3921 ALL NEW JERSEY,NY,PA,DE 20 3.5 0 417
WELLS FARGO HOME MORTGAGE TX 972-763-1824 ALL TEXAS 20 3.25 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.