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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 3.81% 0.17 3.81%
15-Year Fixed 3.23% 0.12 3.23%
5/1 ARM 3.08% 0.09 3.08%
*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

2.970% APR

$1,369 / month (est)

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Updated 1/29/2015

National LenderFHA Approved LenderVA Approved LenderOffers HARP LoansExtended Support Hours
  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
Call Now

2.750% Rate

15 Yr. Fixed

3.034% APR

$1,357 / month (est)

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Updated 1/29/2015

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
Call Now

2.500% Rate

15 Yr. Fixed

2.759% APR

$1,334 / month (est)

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Updated 1/28/2015

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
Call Now

2.750% Rate

15 Yr. Fixed

3.139% APR

$1,357 / month (est)

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Updated 1/29/2015

Member of BBBOffers HARP LoansVA Approved LenderFHA Approved LenderLow Fees
  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
Call Now

2.750% Rate

15 Yr. Fixed

3.103% APR

$1,357 / month (est)

Learn More

Updated 1/29/2015

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
Call Now

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!
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© 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 HOME LOANS GA 770-510-4028 ALL GEORGIA 20 3.5 0.102 650
BEDROCK LENDING TX 866-445-3765 ALL TEXAS 20 2.625 0 417
CAPITAL ONE BANK HOME LOANS VA 703-435-1578 NORTH VA,WASH DC,SOUTH MD 5 3.125 0 417
CENTURY BANK & TRUST MA 617-557-2950 ALL MASSACHUSETTS 20 3 0 417
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.125 1 1000
CITIZENS BANK NY 585-671-0200 ALL NEW YORK 20 3.125 0 417
FIRST NIAGARA BANK NY 716-842-2500 ALL NEW YORK 20 3 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 3.375 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 3.5 0 1000
M & T MORTGAGE CORP MD 410-545-2155 ALL MARYLAND 10 3.125 0 650
OCEAN FIRST BANK NJ 732-240-4500 ALL NEW JERSEY 10 3 0 417
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 2.99 0.125 417
SANTANDER BANK MA 508-370-0601 ALL MASSACHUSETTS 5 2.875 0 417
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 20 4 0 1000
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 20 3 0 625
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 5 2.875 0 417
TD BANK MD 301-217-0564 ALL MARYLAND 20 3.312 0 417
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 3.14 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 3 0 650
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 3.625 0 500

 

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.