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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 Apr. 22 - 29 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.75% 0.11 3.75%
15-Year Fixed 3.12% 0.10 3.12%
5/1 ARM 2.97% 0.09 2.97%
*weekly rolling averages

Hide graph data
10/15 11/15 12/15 1/16 2/16 3/16 4/16
15-Year Fixed 3.21 3.33 3.37 3.41 3.16 3.15 3.12
  • 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
  • (2.75% APR)
www.ratezip.com

Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.525% APR

$1,337 / month (est)

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Updated 5/2/2016

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4.180% Rate

30 Yr. Fixed

4.385% APR

$1,475 / month (est)

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Updated 5/2/2016

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3.375% Rate

30 Yr. Fixed

3.573% APR

$1,337 / month (est)

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Updated 5/2/2016

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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
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3 0 650
BANK OF AMERICA CA 916-861-9900 ALL CALIFORNIA 20 3.125 0.122 417
BANK OF AMERICA CT 860-652-4635 ALL CONNECTICUT 20 3.25 0.19 650
BANK OF AMERICA HOME LOANS PA 610-225-8025 ALL PENNSYLVANIA 20 3.375 0.02 650
BANK OF AMERICA MORTGAGE TX 210-270-5585 ALL TEXAS 20 2.75 0.653 417
BBVA COMPASS BANK TX 713-966-2383 ALL TEXAS 20 2.875 1.25 417
CHASE BANK CA 323-937-5625 ALL CALIFORNIA 20 3 0.125 417
CHASE BANK CA 323-937-5625 ALL CALIFORNIA 20 3.5 0.125 1000
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3 0.125 417
CHASE HOME FINANCE NY 212-696-3190 ALL NEW YORK 25 2.875 0.25 417
CHASE HOME FINANCE NY 212-696-3190 ALL NEW YORK 10 2.5 2 417
CHASE HOME FINANCE IL 312-732-1164 ALL ILLINOIS 20 3.25 0.875 650
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.375 0.125 750
M & T BANK NY 631-765-4019 ALL NEW YORK 10 3.125 0 650
M & T BANK DE 302-472-3113 ALL DELAWARE 5 3.125 0 417
MB FINANCIAL BANK IL 312-633-0310 ALL ILLINOIS 20 3.25 0 417
PRESIDENTIAL BANK MORTGAGE MD 301-590-8911 WASHINGTON DC METRO 20 3.375 0 1000
SCHOOLSFIRST FCU CA 714-258-4000 ALL CALIFORNIA 20 3.125 0 417
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 20 3.125 0 1000
UNITED BANK MA 508-595-0000 ALL MASSACHUSETTS,CT 20 3 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.