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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 3.89% 0.12 3.89%
15-Year Fixed 3.23% 0.11 3.23%
5/1 ARM 2.90% 0.08 2.90%
*weekly rolling averages

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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)
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Mortgage Refinance rates in Virginia

Matching Lender Ads

2.750% Rate

15 Yr. Fixed

3.142% APR

$1,357 / month (est)

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Updated 8/28/2015

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3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

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Updated 8/28/2015

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
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  • Rates are still historically 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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Mortgage Rates From 2.5% (2.92% 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!
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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
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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
ASTORIA BANK NY 516-327-7000 NYC,LONG ISLAND,WESTCHESTER 20 3.125 0 1000
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 3.375 0.25 417
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 3.125 0.375 417
FIFTH THIRD BANK OH 800-972-3030 ALL OHIO,KY,IN 20 3.25 0 650
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.375 0 417
FREEHOLD SAVINGS & LOAN NJ 732-462-6700 MONMOUTH,OCEAN 20 2.99 0 417
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 20 3.375 0 1500
HANCOCK BANK FL 904-273-8824 JACKSONVILLE METRO 10 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.375 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 4.125 0 650
INVESTORS BANK NY 718-855-8500 SOUTHERN NEW YORK 5 3.25 0 417
MILFORD FEDERAL SAVINGS BANK MA 800-478-6990 ALL MASSACHUSETTS,RI 20 2.99 0 417
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 5 3.25 0 417
ONEWEST BANK CA 310-319-2160 ALL CALIFORNIA 25 3.625 1 2000
PEOPLES STATE BANK WI 715-842-2191 CENTRAL WISCONSIN 20 3.125 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 5 3.375 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 3 0 417
SANTANDER BANK PA 610-526-6379 EASTERN PA 5 3.125 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 3.25 0 417
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 3.25 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.