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Current 15 Year Fixed Mortgage Rates

15-Year Fixed

Mortgage Rates for Jul. 13 - 20 , 2017*

Product Interest Rate Points National Average
30-Year Fixed 3.96% 0.60 3.96%
15-Year Fixed 3.23% 0.50 3.23%
5/1 ARM 3.21% 0.50 3.21%
*weekly rolling averages

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1/17 2/17 3/17 4/17 5/17 6/17 7/17
15-Year Fixed 3.40 3.38 3.41 3.30 3.26 3.17 3.25
Source: Freddie Mac
  • 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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  • Fixed Mortgage Rates 3.25% APR
  • Lower Refinance Rates, 15yr Fixed
  • (3.25% APR)

Mortgage Refinance rates in Virginia

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3.125% Rate

15 Yr. Fixed

3.344% APR

$2,106 / month (est)

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Updated 7/21/2017

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3.750% Rate

15 Yr. Fixed

3.857% APR

$2,199 / month (est)

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Updated 7/22/2017

  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

3.250% Rate

15 Yr. Fixed

3.355% APR

$2,125 / month (est)

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Updated 7/22/2017

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Virginia VA Benefit Survey
Check your VA housing benefit eligibility here! You could be eligible for zero down financing up to $417,000.
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