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Current 15 Year Fixed Mortgage Rates

15-Year Fixed

Mortgage Rates for Sep. 09 - 16 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.61% 0.16 3.61%
15-Year Fixed 3.00% 0.16 3.00%
5/1 ARM 2.95% 0.15 2.95%
*weekly rolling averages

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3/16 4/16 5/16 6/16 7/16 8/16 9/16
15-Year Fixed 3.15 3.12 3.06 3.09 2.96 2.96 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, 15yr Fixed
  • (2.88% APR)
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Mortgage Refinance rates in Virginia

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3.125% Rate

15 Yr. Fixed

3.360% APR

$2,106 / month (est)

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Updated 12/9/2016

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