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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 Jan. 23 - 30 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.80% 0.19 3.80%
15-Year Fixed 3.23% 0.13 3.23%
5/1 ARM 3.10% 0.10 3.10%
*weekly rolling averages

Show graph data
  • 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

 

Mortgage refinance rates in Virginia

2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

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Updated 1/28/2015

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
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2.875% Rate

15 Yr. Fixed

3.177% APR

$1,369 / month (est)

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Updated 1/27/2015

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansImmediate Rate Lock
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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Mortgages from 2.50% (2.88% 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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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
ASSOCIATED BANK MN 952-591-2865 ALL MINNESOTA 10 3 0 417
BBVA COMPASS BANK CO 303-308-9912 ALL COLORADO 20 2.875 1 417
BRANCH BANKING & TRUST NC 704-954-1201 ALL NORTH CAROLINA 20 2.875 0.25 417
CHASE BANK OR 503-238-3100 ALL OREGON 20 4 0 1000
CITIBANK, FSB CA 415-981-3180 ALL CALIFORNIA 20 3 0.25 417
CITIZENS BANK RI 401-434-1400 ALL RHODE ISLAND 25 3.25 0 650
FIRSTBANK OF COLORADO CO 303-232-2000 DENVER METRO 5 2.875 1 417
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 2.75 0 417
PNC MORTGAGE MO 636-345-0051 ALL MISSOURI 20 3.25 0 650
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 25 3.375 0 1000
TD BANK PA 215-443-5054 ALL PENNSYLVANIA,NJ,NY,DE 20 3.375 0 1000
TD BANK PA 215-443-5054 ALL PENNSYLVANIA,NJ,NY,DE 20 3.312 0 417
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 25 3.375 0 1000
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 20 3.312 0 417
TRI CITY NATIONAL WI 414-761-1610 SOUTHEAST WISCONSIN 20 2.875 0 417
UNION BANK CA 213-236-7700 ALL CALIFORNIA 20 3.875 0 750
UNION BANK WA 425-356-2150 SEATTLE METRO 20 3.875 0 750
WASHINGTON FEDERAL S&L ASSN WA 206-624-7930 WESTERN WASHINGTON 20 3.625 0.75 700
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 10 3 1 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 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.