We research, you save.
Got Questions On Rates? (855) 610-2972

15 Year Fixed Mortgage Rates: Current mortgage rates from lenders in the HSH editorial survey

15-Year Fixed

Mortgage Rates for Aug. 19 - 26 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.55% 0.17 3.55%
15-Year Fixed 2.97% 0.15 2.97%
5/1 ARM 2.88% 0.15 2.88%
*weekly rolling averages

Hide graph data
2/16 3/16 4/16 5/16 6/16 7/16 8/16
15-Year Fixed 3.16 3.15 3.12 3.06 3.09 2.96 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

  • Fixed Mortgage Rates
  • Lower Refinance Rates, 15yr Fixed
  • (2.65% APR)
  • Get your Free Quote in Minutes!
  • Lenders Compete for your Business
  • Do you have the Lowest Rate Possible? Find Out Instantly!

Mortgage Refinance rates in Virginia

Ad Disclosure
Sort By :

2.500% Rate

15 Yr. Fixed

2.766% APR

$2,016 / month (est)

Learn More

Updated 8/26/2016

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
Call Now

2.875% Rate

15 Yr. Fixed

3.330% APR

$2,070 / month (est)

Learn More

Updated 8/26/2016

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • 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.
Call Now

2.750% Rate

15 Yr. Fixed

2.809% APR

$2,052 / month (est)

Learn More

Updated 8/26/2016

  • Direct Mortgage Lender. NMLS ID #1168. AZ State Lic #BK - 0906515
  • Billions Funded
  • Apply Online. Quick approvals.
Call Now

Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
Learn More
VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
  • Zero Down and Low Interest Rates
Learn More
VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
Learn More

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 %
Maximum Loan
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 3.125 0.666 1000
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 2.5 0.91 417
CENTENNIAL BANK FL 407-371-6830 ALL FLORIDA 20 2.875 0 417
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 3 0 750
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 2.875 0 417
FIFTH THIRD BANK OH 513-579-5203 ALL OHIO,KY,IN 25 2.99 0.125 417
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 25 2.99 0.125 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 20 3.25 0 1000
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 2.625 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 2.75 0 417
KEY BANK OH 513-345-8580 ALL OHIO 25 3.375 0 417
KEY BANK IN 317-464-8008 ALL INDIANA 25 3.375 0 417
KEY BANK OF UTAH UT 801-257-6300 ALL UTAH 25 3.375 0 417
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 2.9 0.165 417
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.125 0 417
WHITNEY BANK TX 713-951-7310 HOUSTON METRO 20 3.25 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.