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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 Oct. 24 - 31 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.15 4.07%
15-Year Fixed 3.34% 0.12 3.34%
5/1 ARM 3.06% 0.08 3.06%
*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

3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 10/31/2014

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3.375% Rate

15 Yr. Fixed

3.817% APR

$1,418 / month (est)

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Updated 10/31/2014

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  • 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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Mortgages from 3.00% (3.05% APR)
  • $200k Loan for Under $843/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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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
CONNECT ONE BANK NJ 908-688-9500 ALL NEW JERSEY 20 3.125 0 417
CONNECT ONE BANK NJ 908-688-9500 ALL NEW JERSEY 20 3.5 0 1000
FIRST NIAGARA BANK NY 607-758-2200 ALL NEW YORK 20 3.25 0 417
FIRST NIAGARA BANK NY 518-270-3232 ALL NEW YORK 20 3.25 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 4.125 0.315 1500
GLEN ROCK SAVINGS BANK NJ 973-636-5888 NORTHERN NEW JERSEY 20 2.99 0 417
GLEN ROCK SAVINGS BANK NJ 973-636-5888 NORTHERN NEW JERSEY 20 2.99 0 1500
GOLDEN MORTGAGE CORP NJ 908-927-9100 ALL NEW JERSEY 20 3.125 0 417
GOLDEN MORTGAGE CORP NJ 908-927-9100 ALL NEW JERSEY 20 3.375 0 625
GOLDEN MORTGAGE CORP NJ 908-927-9100 ALL NEW JERSEY 20 3.875 0 750
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 3 0 417
HUNTINGTON MORTGAGE COMPANY OH 513-841-2800 ALL OHIO,KY 3 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.5 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 4.25 0 650
LOAN SEARCH NJ 973-239-7373 ALL NEW JERSEY 20 3.125 0 1000
LOAN SEARCH NJ 973-239-7373 ALL NEW JERSEY 10 3 0 417
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 3 0 417
QUICKEN LOANS MI 313-373-3000 ALL MICHIGAN 20 3.875 0 417
SALISBURY BANK & TRUST CT 860-435-9801 LTCHFD CT,DTCHS NY,BERKS MA 20 3.25 0 417
STURDY SAVINGS BANK NJ 609-368-8217 CAPE MAY 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.