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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 Apr. 22 - 29 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.75% 0.11 3.75%
15-Year Fixed 3.12% 0.10 3.12%
5/1 ARM 2.97% 0.09 2.97%
*weekly rolling averages

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10/15 11/15 12/15 1/16 2/16 3/16 4/16
15-Year Fixed 3.21 3.33 3.37 3.41 3.16 3.15 3.12
  • 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

  • We will cover up to $750 in closing costs!
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.75% APR)
www.ratezip.com

Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.525% APR

$1,337 / month (est)

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Updated 4/28/2016

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4.180% Rate

30 Yr. Fixed

4.385% APR

$1,475 / month (est)

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Updated 4/29/2016

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
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  • Rates are still incredibly 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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Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
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VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
  • Zero Down and Low Interest Rates
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Virginia Interest Rates as low as 2.63% (3.13APR)
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  • Lock in a Low Fixed Rate Before Rates Increase!
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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
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 4 1 1000
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 3 1 417
CONNECT ONE BANK NJ 201-816-8900 ALL NEW JERSEY 25 3.125 0 1500
CONNECTICUT FINANCIAL MORTGAGE CT 203-325-2215 ALL CONNECTICUT 20 3.125 0 1000
FIDELITY BANK GA 404-553-2900 ALL GEORGIA 20 2.75 1 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.125 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 3.125 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.075 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.875 0 1500
GIBRALTAR SAVINGS BANK NJ 973-515-0885 ALL NEW JERSEY 10 3.375 0 417
GROUP ONE DBA ROSS MORTGAGE MI 248-282-1602 ALL MICHIGAN 20 3.125 0 417
HANCOCK BANK FL 904-285-0211 JACKSONVILLE METRO 10 3 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 2.625 0.25 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 3.5 0 650
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 20 3.1 0 1000
TRI CITY NATIONAL WI 414-761-1610 SOUTHEAST WISCONSIN 20 2.75 0 417
US BANK HOME MORTGAGE AZ 480-515-7760 ALL ARIZONA 20 3.5 0 1000
US BANK HOME MORTGAGE AZ 480-515-7760 ALL ARIZONA 20 3.125 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.