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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 Aug. 21 - 28 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.89% 0.12 3.89%
15-Year Fixed 3.23% 0.11 3.23%
5/1 ARM 2.90% 0.08 2.90%
*weekly rolling averages

Hide graph data
2/15 3/15 4/15 5/15 6/15 7/15 8/15
15-Year Fixed 3.20 3.25 3.13 3.20 3.34 3.39 3.33
  • 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)
www.ratezip.com
  • Free Quotes for Loans from $5,000 to $35,000.
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Mortgage Refinance rates in Virginia

Matching Lender Ads

2.625% Rate

15 Yr. Fixed

2.995% APR

$1,345 / month (est)

Learn More

Updated 9/1/2015

  • PenFed Credit Union lends in all 50 States
  • We provide some of the lowest rates and fees available.
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3.500% Rate

15 Yr. Fixed

3.890% APR

$1,430 / month (est)

Learn More

Updated 9/1/2015

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
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Mortgage Rates From 2.5% (2.92% 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!
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  • VA Loans = No Mortgage Insurance
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Other lenders for Mortgage Refinance of $200,000 in Virginia

2.750% Rate

15 Yr. Fixed

3.142% APR

$1,357 / month (est)

Updated 8/28/2015

  • 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

2.958% APR

$1,357 / month (est)

Updated 8/31/2015

  • 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 %
Points
Maximum Loan
$1,000
BANK OF AMERICA MD 410-752-7481 ALL MARYLAND,WASH DC,KY 20 3 0.458 417
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 3.125 0.15 417
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 3 0.502 1000
BANK OF AMERICA HOME LOANS MA 781-932-7149 ALL MASSACHUSETTS,NH,CT,RI 20 3.125 0.041 417
CITIZENS BANK MA 617-282-0592 ALL MA, NEW ENGLAND 20 3.25 0 417
CITIZENS BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 3.375 0 650
FIRST- CITIZENS BANK GA 678-338-3400 ALL GEORGIA 20 3.25 0 417
HOWARD HANNA FINANCIAL SVCS PA 412-967-9000 WESTERN PENNSYLVANIA 20 3.375 0 417
IBC BANK TX 713-285-2140 ALL TEXAS 20 3.125 0 417
MASPETH FEDERAL S&L NY 718-651-7888 ALL NEW YORK 25 3.25 0 999
MILFORD FEDERAL SAVINGS BANK MA 800-478-6990 ALL MASSACHUSETTS,RI 20 2.99 0 417
NATIONAL PENN BANK NJ 609-499-0355 SOUTH,CENTRAL NEW JERSEY 40 3.125 0 417
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 3.125 0 417
SUNTRUST BANK NC 919-755-2400 ALL NORTH CAROLINA,SC 20 3.2 1.016 417
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 3.2 1.143 417
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 20 3.375 0 417
TD BANK CT 860-827-2594 ALL CONNECTICUT 20 3.375 0 417
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 3.34 0 417
US BANK WI 414-444-9408 ALL WISCONSIN 20 3.375 0 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 3.375 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.