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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 Jun. 24 - Jul. 01 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.58% 0.18 3.58%
15-Year Fixed 2.99% 0.16 2.99%
5/1 ARM 2.79% 0.16 2.79%
*weekly rolling averages

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1/16 2/16 3/16 4/16 5/16 6/16 7/16
15-Year Fixed 3.41 3.16 3.15 3.12 3.06 3.09 2.98
  • 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
  • (2.75% APR)
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Mortgage Refinance rates in Virginia

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2.500% Rate

15 Yr. Fixed

2.713% APR

$2,016 / month (est)

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Updated 6/30/2016

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2.875% Rate

15 Yr. Fixed

3.225% APR

$2,070 / month (est)

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Updated 6/30/2016

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2.375% Rate

15 Yr. Fixed

2.585% APR

$1,998 / month (est)

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Updated 6/30/2016

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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© 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ARUNDEL FEDERAL SAVINGS BANK MD 410-768-7800 ALL MARYLAND 10 2.875 0 417
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 10 2.75 0 650
FIRST NORTHERN BANK CA 800-682-8648 ALL CALIFORNIA 5 2.75 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.625 0 1500
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 2.876 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 2.625 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 2.625 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.125 0.25 1000
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 5 2.625 1 417
MOUNTAIN MORTGAGE CORP NJ 908-686-7722 ESSEX,MORRIS,BERGEN,UNION 5 2.75 0 417
ORITANI BANK NJ 201-664-5400 ALL NEW JERSEY 30 3 0 750
ORITANI BANK NJ 201-664-5400 ALL NEW JERSEY 20 3 0 417
PRINCETON MORTGAGE CORP NJ 609-737-1000 ALL NEW JERSEY,PA(BUCKS) 20 2.75 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 3 0 417
SAWYER SAVINGS NY 888-772-1871 ORANGE,DUTCHESS,ULSTER 5 2.75 0 417
SUNTRUST MORTGAGE VA 804-281-3705 RICHMOND METRO 20 3.25 1 650
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 5 2.875 0 417
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 3 0 417
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 10 2.75 0 417
WELLS FARGO HOME MORTGAGE MA 508-616-1000 ALL MASSACHUSETTS 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.