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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 Mar. 27 - Apr. 03 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.79% 0.13 3.79%
15-Year Fixed 3.16% 0.15 3.16%
5/1 ARM 2.94% 0.11 2.94%
*weekly rolling averages

Hide graph data
9/14 10/14 11/14 12/14 1/15 2/15 3/15
15-Year Fixed 3.47 3.43 3.38 3.34 3.26 3.20 3.25
  • 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

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  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
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  • Compare Mortgage Rates.
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Mortgage Refinance rates in Virginia

2.750% Rate

15 Yr. Fixed

3.034% APR

$1,357 / month (est)

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Updated 4/1/2015

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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© 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 VA 804-525-1010 RICHMOND METRO 20 2.875 0.694 417
BANK OF AMERICA HOME LOANS OH 614-987-0168 CENTRAL,NORTHERN OHIO 20 3.125 0.258 650
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 3 0.392 417
BANNER BANK WA 509-892-4673 ALL WASHINGTON 20 3 0.25 417
BBVA COMPASS BANK CA 858-451-0760 ALL CALIFORNIA 20 2.875 1 417
BMO HARRIS BANK IL 630-495-3100 ALL ILLINOIS 20 3.375 0.375 650
CENTURY BANK & TRUST MA 617-557-2950 ALL MASSACHUSETTS 20 3 0 417
CHASE BANK WI 414-259-6630 ALL WISCONSIN 20 2.75 0.5 417
CHASE BANK FL 305-443-3969 ALL FLORIDA 30 3.125 0.125 1000
CONVEYANCE MORTGAGE NJ 609-936-0296 ALL NEW JERSEY,PA 10 3.125 0 625
DOLLAR BANK, FSB PA 800-344-5626 PITTSBURGH METRO 20 2.75 0 417
EASTERN BANK MA 800-327-8376 ALL MASSACHUSETTS 20 3 0 417
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 2.875 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3 0 417
PRESIDENTIAL BANK MORTGAGE MD 301-590-8911 WASHINGTON DC METRO 20 3.375 0 1000
PRESIDENTIAL BANK MORTGAGE MD 301-590-8911 WASHINGTON DC METRO 20 3 0 417
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 2.99 0 417
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 20 3.25 0 417
TD BANK ME 207-774-1733 ALL MAINE 20 3.25 0 417
WELLS FARGO HOME MORTGAGE WI 414-258-0545 ALL WISCONSIN 20 3 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.