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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. 29 - Feb. 05 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.78% 0.11 3.78%
15-Year Fixed 3.20% 0.08 3.20%
5/1 ARM 2.93% 0.07 2.93%
*weekly rolling averages

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8/15 9/15 10/15 11/15 12/15 1/16 2/16
15-Year Fixed 3.33 3.29 3.21 3.33 3.37 3.41 3.20
  • 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
  • Free Quotes for Loans from $5,000 to $35,000.
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  • Quotes Are Real-Time and Custom For You.
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Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.554% APR

$1,337 / month (est)

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Updated 2/5/2016

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4.180% Rate

30 Yr. Fixed

4.385% APR

$1,475 / month (est)

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Updated 2/5/2016

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  • Rates are still incredibly low! Lock in a low rate and payment today.
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Mortgage rates tailored for you
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  • Compare rates from up to 5 lenders
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Personal loans - borrow up to $35,000; rates starting at 5.99%
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  • Fixed Mortgage Rates
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  • (2.78% APR)
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Virginia Interest Rates as low as 3.00% (3.01APR)
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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
BANK OF AMERICA NC 336-805-3280 ALL NORTH CAROLINA 25 3 1 1000
BANK OF TEXAS MORTGAGE TX 214-346-3970 ALL TEXAS 20 2.875 0 1500
BMO HARRIS BANK WI 262-255-4600 ALL WISCONSIN 20 3.375 0 1000
CONNECT ONE BANK NJ 201-816-8900 ALL NEW JERSEY 25 3.25 0 1500
FIDELITY BANK GA 404-553-2900 ALL GEORGIA 20 2.75 1 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.25 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.75 0 1500
GROUP ONE DBA ROSS MORTGAGE MI 248-282-1602 ALL MICHIGAN 20 3.125 0 417
GUARDIAN MORTGAGE COMPANY TX 817-261-7235 ALL TEXAS 20 2.875 0.398 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 3.875 0 650
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 3.875 0 650
INVESTORS BANK NY 718-855-8500 SOUTHERN NEW YORK 20 3.375 0 750
INVESTORS BANK NJ 609-259-1830 ALL NEW JERSEY 20 3.25 0 750
INVESTORS BANK NY 718-855-8500 SOUTHERN NEW YORK 5 3.25 0 417
MUNICIPAL CREDIT UNION NY 212-238-3501 NEW YORK CITY 5 2.75 2 417
MUNICIPAL CREDIT UNION NY 212-238-3501 NEW YORK CITY 5 3 0 417
NBT BANK NY 607-337-2265 ALL NEW YORK 5 3 0 417
TOMPKINS MAHOPAC BANK NY 845-278-1000 ALL NEW YORK 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.