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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 Aug. 21 - 28 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.86% 0.13 3.86%
15-Year Fixed 3.21% 0.12 3.21%
5/1 ARM 2.88% 0.09 2.88%
*weekly rolling averages

Hide graph data
2/15 3/15 4/15 5/15 6/15 7/15 8/15
15-Year Fixed 3.20 3.25 3.13 3.20 3.34 3.39 3.33
  • 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

  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.80% APR)
  • Free Quotes for Loans from $5,000 to $35,000.
  • Get Multiple Personal Loan Quotes in Minutes!
  • Quotes Are Real-Time and Custom For You.
  • You Don't Need Equity in Your Home to Qualify.

Mortgage Refinance rates in Virginia

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3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

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Updated 8/27/2015

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Mortgage Rates From 2.5% (2.92% APR)
  • $200k Loan for Under $790/Month
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Other lenders for Mortgage Refinance of $200,000 in Virginia

3.125% Rate

15 Yr. Fixed

3.311% APR

$1,393 / month (est)

Updated 8/26/2015

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.

3.000% Rate

15 Yr. Fixed

3.392% APR

$1,381 / month (est)

Updated 8/27/2015

  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee

2.875% Rate

15 Yr. Fixed

3.216% APR

$1,369 / month (est)

Updated 8/25/2015

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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 %
Maximum Loan
BANK OF AMERICA CT 203-899-2551 ALL CONNECTICUT 20 3.25 0.011 650
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 3.25 0.2 1000
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 3.75 1 1000
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3.5 0.25 1000
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.25 0 600
FIRST NATIONAL BANK OH 216-631-8900 CLEVELAND METRO 20 3.125 0 417
FIRST NIAGARA BANK CT 203-789-2781 ALL CONNECTICUT 20 3.375 0 417
FIRST-CITIZENS BANK NC 910-792-6670 ALL NORTH CAROLINA 20 3.125 0.5 417
HOMESTREET BANK OR 503-652-4313 ALL OREGON 20 3.25 0 417
KEY BANK CO 303-744-3228 ALL COLORADO 25 3.29 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.29 0 417
KEY BANK IN 317-464-8008 ALL INDIANA 25 3.29 0 417
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 20 3.125 1 650
UNION BANK OR 503-225-3636 ALL OREGON 20 3.25 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 20 3.5 0 1000
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.375 0 417
WHITNEY BANK TX 713-951-6120 HOUSTON METRO 20 3.5 0 650


Be sure to see our other loan samples:
30-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.