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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 Feb. 05 - 12 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.71% 0.12 3.71%
15-Year Fixed 3.12% 0.09 3.12%
5/1 ARM 2.89% 0.08 2.89%
*weekly rolling averages

Hide graph data
8/15 9/15 10/15 11/15 12/15 1/16 2/16
15-Year Fixed 3.33 3.29 3.21 3.33 3.37 3.41 3.18
  • 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

  • No appraisal fees or closing costs (2)
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.78% APR)
www.ratezip.com

Mortgage Refinance rates in Virginia

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3.250% Rate

30 Yr. Fixed

3.389% APR

$1,316 / month (est)

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Updated 2/11/2016

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4.125% Rate

30 Yr. Fixed

4.329% APR

$1,465 / month (est)

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Updated 2/12/2016

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  • Rates are still incredibly low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
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Personal loans - borrow up to $35,000; rates starting at 5.99%
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Virginia Interest Rates as low as 3.00% (3.01APR)
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VA Loans For Veterans
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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 %
Points
Maximum Loan
$1,000
BANK OF AMERICA NC 336-805-3280 ALL NORTH CAROLINA 25 3 1 1000
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 25 3.25 0 1000
CONNECT ONE BANK NJ 201-816-8900 ALL NEW JERSEY 25 3.25 0 1500
CONVEYANCE MORTGAGE NJ 609-936-0296 ALL NEW JERSEY,PA 10 2.875 0 625
EMIGRANT MORTGAGE COMPANY NY 212-850-4848 NYC,QUEENS,BROOKLYN,LI 10 2.875 0.25 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 2.75 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 3.75 0 650
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.25 0 417
INVESTORS BANK NJ 609-259-1830 ALL NEW JERSEY 5 3.25 0 417
M & T BANK NY 212-350-2000 NEW YORK CITY 5 2.875 0 417
M & T BANK NY 212-350-2000 NEW YORK CITY 10 3.25 0 650
M & T BANK MD 410-545-2155 ALL MARYLAND 10 3.25 0 650
M & T BANK MD 301-251-3256 ALL MARYLAND 5 2.875 0 417
M & T BANK CT 203-862-8400 ALL CONNECTICUT 10 3.25 0 650
M & T BANK CT 203-862-8400 ALL CONNECTICUT 5 2.875 0 417
M & T BANK NY 518-426-6363 NORTHERN NEW YORK 5 2.875 0 417
M & T BANK MD 410-545-2155 ALL MARYLAND 5 2.875 0 417
VERVE, A CREDIT UNION WI 920-236-7040 FOND DU LAC,OSHKOSH 10 2.875 0 417
WHITNEY BANK TX 713-951-6120 HOUSTON METRO 20 3.25 0 650

 

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.