dcsimg
We research, you save.

15 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

15-Year Fixed

Mortgage Rates for Apr. 24 - May 01 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.81% 0.12 3.81%
15-Year Fixed 3.13% 0.12 3.13%
5/1 ARM 2.91% 0.08 2.91%
*weekly rolling averages

Hide graph data
11/14 12/14 1/15 2/15 3/15 4/15 5/15
15-Year Fixed 3.38 3.34 3.26 3.20 3.25 3.13 3.14
  • 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

  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
www.varatelock.com
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
www.guidetolenders.com

Mortgage Refinance rates in Virginia

2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

Learn More

Updated 5/5/2015

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

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
AMERICAN BANK WEST WA 425-467-0133 ALL WASHINGTON 20 3.25 0 417
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3.125 0 417
BANK OF AMERICA HOME LOANS IL 630-941-2000 ALL ILLINOIS 20 3.125 0.057 417
BANK OF AMERICA HOME LOANS CA 310-683-6666 ALL CALIFORNIA 20 3.25 0.153 1000
BOILING SPRINGS SAVINGS BANK NJ 201-939-5000 ALL NEW JERSEY 20 3 0 1000
CHASE HOME FINANCE NY 716-858-1422 ALL NEW YORK 20 3.125 0.125 417
CITIBANK CA 925-254-1701 ALL CALIFORNIA 20 3 0.875 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.125 0.125 417
FIFTH THIRD BANK IL 773-227-7020 ALL ILLINOIS 20 3 0 1000
FIRST-CITIZENS BANK FL 954-771-6948 MIAMI METROPOLITAN AREA 20 3.125 0 417
GLENS FALLS NATIONAL BANK NY 518-793-4121 WARREN,ESSEX,WASH,SAR,GLEN 20 3.375 0 500
LIBERTY BANK FOR SAVINGS IL 773-792-2211 CHICAGO METRO 20 2.875 0 1000
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 25 2.875 0.25 417
SUNTRUST BANK OF TAMPA BAY FL 813-224-2416 HILLSBOROUGH TO PINELLAS 20 3.1 0 417
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 25 3.375 0 1000
TD BANK CT 860-827-2594 ALL CONNECTICUT 20 3.375 0 417
TD BANK ME 207-774-1733 ALL MAINE 25 3.375 0 1000
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 20 3.25 0 1000
UNION BANK CA 619-285-7045 ALL CALIFORNIA 20 4 0 750
US BANK HOME MORTGAGE OH 216-475-8707 ALL OHIO 20 3.25 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.