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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 3.72% 0.17 3.72%
15-Year Fixed 3.12% 0.11 3.12%
5/1 ARM 3.01% 0.11 3.01%
*weekly rolling averages

Hide graph data
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)
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available

Mortgage Refinance rates in Virginia

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2.750% Rate

15 Yr. Fixed

3.090% APR

$2,052 / month (est)

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Updated 5/24/2016

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2.750% Rate

15 Yr. Fixed

3.055% APR

$2,052 / month (est)

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Updated 5/23/2016

  • 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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3.250% Rate

15 Yr. Fixed

3.604% APR

$2,124 / month (est)

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Updated 5/23/2016

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  • Rates are still incredibly low! Lock in a low rate and payment today.
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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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Virginia Interest Rates as low as 2.63% (3.13APR)
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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 %
Maximum Loan
ACADEMY BANK CO 303-696-3961 ALL COLORADO 20 3.125 0 417
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 2.875 0 417
BANK OF AMERICA FL 954-316-1685 ALL FLORIDA 20 3.5 0.23 650
BANK OF AMERICA HOME LOANS IL 630-941-2000 ALL ILLINOIS 20 3.375 0.225 650
BANK OF AMERICA HOME LOANS MN 952-997-5655 ALL MINNESOTA 20 3.5 0.17 650
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 3.25 0.31 1000
BANK OF THE WEST CA 213-386-7460 ALL CALIFORNIA 20 4.125 0.25 1500
BBVA COMPASS BANK TX 713-966-2383 ALL TEXAS 20 2.875 1.375 417
CHASE BANK NJ 201-612-9305 NORTHERN NEW JERSEY 20 3 0 417
CHASE HOME FINANCE IL 312-732-1164 ALL ILLINOIS 20 3.625 0 650
CITIMORTGAGE TX 800-627-3999 ALL TEXAS 20 3.5 0.25 650
FIRST- CITIZENS BANK GA 678-338-3400 ALL GEORGIA 20 2.875 0 417
MB FINANCIAL BANK IL 312-633-0310 ALL ILLINOIS 20 3.125 0 417
SUNTRUST / MIAMI, NA FL 305-255-1517 DADE COUNTY 20 2.99 1.401 417
TD BANK PA 215-443-5054 ALL PENNSYLVANIA,NJ,NY,DE 20 3.125 0 417
UNITED BANK MA 508-595-0000 ALL MASSACHUSETTS,CT 20 2.75 0.608 417
WELLS FARGO HOME MORTGAGE MD 410-872-1900 ALL MARYLAND 20 3.375 0 1000


Be sure to see our other loan samples:
30-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.