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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 Dec. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 3.96% 0.14 3.96%
15-Year Fixed 3.32% 0.12 3.32%
5/1 ARM 3.10% 0.12 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

2.990% Rate

15 Yr. Fixed

3.086% APR

$1,380 / month (est)

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Updated 12/17/2014

National LenderFHA Approved LenderVA Approved LenderOffers HARP LoansExtended Support Hours
  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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2.625% Rate

15 Yr. Fixed

2.908% APR

$1,345 / month (est)

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Updated 12/17/2014

Member of BBBLow FeesVA Approved LenderFHA Approved LenderOffers HARP Loans
  • FDIC Insured Bank
  • Apply Online 24/7
  • Approvals in Minutes
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2.750% Rate

15 Yr. Fixed

3.034% APR

$1,357 / month (est)

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Updated 12/17/2014

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
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2.375% Rate

15 Yr. Fixed

2.794% APR

$1,322 / month (est)

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Updated 12/17/2014

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

3.000% Rate

15 Yr. Fixed

3.392% APR

$1,381 / month (est)

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Updated 12/17/2014

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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2.750% Rate

15 Yr. Fixed

2.920% APR

$1,357 / month (est)

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Updated 12/17/2014

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
Call Now

2.750% Rate

15 Yr. Fixed

3.139% APR

$1,357 / month (est)

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Updated 12/17/2014

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
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Mortgages from 2.50% (2.88% APR)
  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA HOME LOANS GA 770-510-4028 ALL GEORGIA 20 3.5 0.234 650
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 3 0.227 417
BANK OF THE WEST CO 303-202-5521 ALL COLORADO 20 3 0.25 417
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 3.375 0 750
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 3.25 0 417
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.375 0 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3 0.125 1000
CITIBANK, FSB VA 703-478-3303 NORTHERN VIRGINIA 20 3.125 0.5 1000
COMERICA MORTGAGE CORP MI 248-371-4500 ALL MICHIGAN 20 3.25 0 417
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 5 3 0 417
DOLLAR BANK OH 216-736-8986 ALL OHIO 20 2.875 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 3.5 0 1000
ROSS MORTGAGE CORP MI 248-968-1800 DETROIT METRO 5 3.25 1 417
THIRD FEDERAL S&L OH 216-441-6000 ALL OHIO 20 3.24 0 417
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 3.24 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 3.625 0.25 650
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 3.25 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.125 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.375 0 500
WELLS FARGO HOME MORTGAGE NJ 877-282-2045 ALL NEW JERSEY 20 3.5 0 1000

 

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.