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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 Sep. 26 - Oct. 03 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.23% 0.14 4.23%
15-Year Fixed 3.53% 0.09 3.53%
5/1 ARM 3.28% 0.08 3.28%
*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

  • $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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  • Get a Low Refinance Quote in 30 Secs!
  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
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mortgagerates.freerateupdate.com
 

Mortgage refinance rates in Virginia

2.875% Rate

15 Yr. Fixed

3.254% APR

$1,369 / month (est)

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Updated 9/30/2014

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • FDIC Bank - We Lend Our Own Money And Close Fast
  • Get online rates, payments and a Good Faith Estimate
  • Click GO To Talk To A Loan Expert Today!
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2.750% Rate

15 Yr. Fixed

3.034% APR

$1,357 / month (est)

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Updated 10/1/2014

  • FDIC Insured Bank
  • Apply Online 24/7
  • Approvals in Minutes
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2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

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Updated 10/1/2014

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.
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3.125% Rate

15 Yr. Fixed

3.497% APR

$1,393 / month (est)

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Updated 10/1/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Call Now

3.250% Rate

15 Yr. Fixed

3.645% APR

$1,405 / month (est)

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Updated 10/1/2014

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Call Now

3.125% Rate

15 Yr. Fixed

3.193% APR

$1,393 / month (est)

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Updated 10/1/2014

National LenderMember of BBBFHA Approved LenderOffers HARP LoansVA Approved Lender
  • DIRECT LENDER. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Virginia.
  • These rates won't last. Call now and lock-in your low rate!
Call Now

3.125% Rate

15 Yr. Fixed

3.429% APR

$1,393 / month (est)

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Updated 10/1/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansMember of BBB
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Call Now

3.500% Rate

15 Yr. Fixed

3.926% APR

$1,430 / month (est)

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Updated 10/1/2014

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
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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 © 2014 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 MA 781-932-7149 ALL MASSACHUSETTS,NH,CT,RI 20 3.375 0.737 417
BMO HARRIS BANK IL 630-495-3100 ALL ILLINOIS 20 3.375 0.25 417
BMO HARRIS BANK IL 630-495-3100 ALL ILLINOIS 20 4 0.25 650
BMO HARRIS BANK MN 952-697-4500 ALL MINNESOTA,WI 20 3.5 0 417
CHASE BANK MA 800-692-8300 ALL MASSACHUSETTS,NH,RI,ME 10 3.875 0.375 417
CHASE BANK OR 503-238-3100 ALL OREGON 20 3.5 0.5 417
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 20 3.625 0 417
CITIZENS BANK RI 401-459-3000 ALL RHODE ISLAND 25 3.625 0 650
EASTERN BANK MA 800-327-8376 ALL MASSACHUSETTS 20 3.375 0 417
PNC MORTGAGE MO 636-345-0051 ALL MISSOURI 20 3.375 0 650
SHORE MORTGAGE MI 248-433-3300 DETROIT METRO 20 3.375 0 417
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 20 3.25 1 650
TCF NATIONAL BANK MN 612-823-2265 ALL MINNESOTA 20 3.75 0 417
TD BANK NH 603-433-4320 ALL NEW HAMPSHIRE 25 3.75 0 1000
TD BANK NH 603-433-4320 ALL NEW HAMPSHIRE 20 3.688 0 417
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 25 3.75 0 1000
TD BANK FL 727-846-1444 ALL FLORIDA 20 3.688 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 4 0.125 650
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 3.5 0.25 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 3.625 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.