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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 May 20 - 27 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.74% 0.13 3.74%
15-Year Fixed 3.13% 0.08 3.13%
5/1 ARM 3.00% 0.09 3.00%
*weekly rolling averages

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11/15 12/15 1/16 2/16 3/16 4/16 5/16
15-Year Fixed 3.33 3.37 3.41 3.16 3.15 3.12 3.06
  • 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
  • (2.75% APR)
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Mortgage Refinance rates in Virginia

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2.750% Rate

15 Yr. Fixed

2.929% APR

$2,052 / month (est)

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Updated 5/27/2016

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2.750% Rate

15 Yr. Fixed

3.073% APR

$2,052 / month (est)

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Updated 5/27/2016

National LenderFHA Approved LenderVA Approved LenderMember of BBBLow Fees
  • 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!
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2.625% Rate

15 Yr. Fixed

2.908% APR

$2,034 / month (est)

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Updated 5/27/2016

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  • Rates are still incredibly low! Lock in a low rate and payment today.
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Refinance Rates From 2.875% (3.04% APR)
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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© 2016, 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 FL 305-468-4345 ALL FLORIDA 20 3.25 0.056 417
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 3.5 0.006 650
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3.625 0.125 1000
CONNECTICUT FINANCIAL MORTGAGE CT 203-325-2215 ALL CONNECTICUT 20 3.125 0 1000
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 20 3.125 0.125 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.875 0.161 1500
MACKINAC SAVINGS BANK FL 800-419-0556 PALM BEACH,DADE,BROWARD 5 3.125 0 417
NATIONAL BANK OF ARIZONA AZ 520-219-1218 ALL ARIZONA 20 3.125 0 417
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 4 0 1000
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 2.625 0 417
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 2.75 0 601
TALMER BANK & TRUST MI 810-385-2672 ALL MICHIGAN 20 3.125 0.35 417
TIOGA STATE BANK NY 888-303-4872 TIOGA,BROOME,TMPKNS,CHEMUNG 5 3.125 0 417
WASHINGTON FEDERAL AZ 520-748-7244 ALL ARIZONA 20 3.25 0.75 650
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 10 2.875 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 20 3.25 0 650
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 10 2.875 0 417
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 3 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 3 0 417
WELLS FARGO HOME MORTGAGE NJ 877-282-2045 ALL NEW JERSEY 20 2.875 0 1000

 

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.