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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 Jul. 24 - 31 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.12 4.05%
15-Year Fixed 3.36% 0.09 3.36%
5/1 ARM 3.05% 0.07 3.05%
*weekly rolling averages

Hide graph data
1/15 2/15 3/15 4/15 5/15 6/15 7/15
15-Year Fixed 3.26 3.20 3.25 3.13 3.20 3.34 3.39
  • 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)
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!

Mortgage Refinance rates in Virginia

3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

Learn More

Updated 8/3/2015

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  • Rates are still historically low! Lock in a low rate and payment today.
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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
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Other lenders for Mortgage Refinance of $200,000 in Virginia

3.000% Rate

15 Yr. Fixed

3.392% APR

$1,381 / month (est)

Updated 8/3/2015

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

3.000% Rate

15 Yr. Fixed

3.395% APR

$1,381 / month (est)

Updated 8/3/2015

  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

2.750% Rate

15 Yr. Fixed

3.046% APR

$1,357 / month (est)

Updated 8/3/2015

  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service

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
AMERICAN BANK WEST WA 425-467-0133 ALL WASHINGTON 20 3.375 0 417
ASSOCIATED BANK IL 847-367-1850 ALL ILLINOIS,WI 20 3.625 0 1000
BANK OF AMERICA IL 800-432-1000 ALL ILLINOIS 20 3.125 0.285 417
BANK OF AMERICA HOME LOANS CA 310-683-6666 ALL CALIFORNIA 20 3.25 0.348 1000
BANK OF AMERICA HOME LOANS FL 407-851-6002 ALL FLORIDA 20 3.125 0.394 417
BANK OF AMERICA MORTGAGE TX 210-270-5585 ALL TEXAS 20 3.125 0.389 417
BANK OF AMERICA MORTGAGE TX 210-270-5585 ALL TEXAS 20 3.25 0.377 650
BMO HARRIS BANK MN 612-904-8000 ALL MINNESOTA,WI 20 3.25 0 417
BRANCH BANKING & TRUST MD 301-493-4900 ALL MARYLAND 20 3.25 0.25 1000
CHASE BANK CA 619-615-0600 ALL CALIFORNIA 20 3.25 0 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.125 0.375 417
FIFTH THIRD BANK IL 773-227-7020 ALL ILLINOIS 20 3.375 0 1000
FIRST AMERICAN BANK IL 847-520-8088 CHICAGO METRO 25 3.25 0 417
HSBC BANK USA CA 415-678-3861 ALL CALIFORNIA 20 3.4 0 1000
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 3.125 1 750
SANTANDER BANK PA 610-526-6379 EASTERN PA 20 3.25 0 1000
UNION BANK CA 510-891-9505 NORTHERN CALIFORNIA 20 4 0 1100
WELLS FARGO BANK IL 630-279-8750 ALL ILLINOIS 20 3.375 0 417


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.