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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 Jul. 15 - 22 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.58% 0.17 3.58%
15-Year Fixed 2.99% 0.15 2.99%
5/1 ARM 2.89% 0.14 2.89%
*weekly rolling averages

Hide graph data
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 3.09 2.96
  • 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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2.500% Rate

15 Yr. Fixed

2.713% APR

$2,016 / month (est)

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Updated 7/22/2016

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2.875% Rate

15 Yr. Fixed

3.364% APR

$2,070 / month (est)

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Updated 7/22/2016

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Mortgage rates tailored for you
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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 %
Points
Maximum Loan
$1,000
ANCHOR BANK WI 608-252-8800 ALL WISCONSIN 5 2.75 0 417
BBVA COMPASS BANK TX 214-706-8021 ALL TEXAS 20 2.875 1 417
FIRST MERIT BANK MI 248-258-5300 ALL MICHIGAN 20 2.99 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 2.99 0 417
GROUP ONE DBA ROSS MORTGAGE MI 248-282-1602 ALL MICHIGAN 20 3 0 417
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 20 3.25 0 1500
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 10 2.75 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 2.99 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 3.4 0 650
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 2.99 0 417
HUNTINGTON MORTGAGE COMPANY NJ 800-828-1318 ALL NEW JERSEY 5 2.75 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 3.4 0 650
LAKELAND BANK NJ 973-838-1133 SUSSEX,MORRIS,WARREN,BERGEN 25 2.75 0 417
NBT BANK NY 607-337-2265 ALL NEW YORK 5 2.75 0 417
PEOPLES STATE BANK WI 715-842-2191 CENTRAL WISCONSIN 20 2.75 0 417
ROSELLE SAVINGS BANK NJ 908-245-1885 SMRST,MRS,UNION,MDLSX,HNTRD 10 3 0 417
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 20 2.75 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 2.875 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 20 3.125 0 650
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 10 2.875 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.