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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. 21 - 28 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.12 4.07%
15-Year Fixed 3.35% 0.08 3.35%
5/1 ARM 3.10% 0.08 3.10%
*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

3.250% Rate

15 Yr. Fixed

3.673% APR

$1,405 / month (est)

Learn More

Updated 11/26/2014

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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 %
Points
Maximum Loan
$1,000
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 3.375 0.25 650
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.125 1 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.375 0.25 1000
FIRST SAVINGS BANK NORTHWEST WA 425-255-4400 KING,SNOHOMISH,PIERCE 20 3.5 1 417
FIRST-CITIZENS BANK NC 336-631-2400 ALL NORTH CAROLINA 20 3 0 417
FIVE STAR BANK NY 716-699-2366 WESTERN NY & FINGER LAKES 20 3 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 3.5 0 1000
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 4.25 0 650
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 4.25 0 650
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.375 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.375 0 417
NATIONAL BANK OF ARIZONA AZ 520-219-1218 ALL ARIZONA 20 3.5 0 1000
NORTHFIELD BANK NJ 732-499-7200 ALL NEW JERSEY 20 3.33 0 417
NORTHFIELD BANK NY 718-448-1000 RICHMOND 20 3.33 0 417
PEOPLES STATE BANK WI 715-842-2191 CENTRAL WISCONSIN 20 3.125 0 417
SHORE MORTGAGE MI 248-433-3300 DETROIT METRO 20 3.125 0 417
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 20 2.875 1 650
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 3.625 0 1000
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 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.