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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 Dec. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 3.96% 0.12 3.96%
15-Year Fixed 3.31% 0.10 3.31%
5/1 ARM 3.09% 0.11 3.09%
*weekly rolling averages

Show graph data
  • 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

 

Mortgage refinance rates in Virginia

2.375% Rate

15 Yr. Fixed

2.794% APR

$1,322 / month (est)

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Updated 12/19/2014

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3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 12/19/2014

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  • Free 60-day rate lock and no application fee
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3.375% Rate

15 Yr. Fixed

3.764% APR

$1,418 / month (est)

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Updated 12/19/2014

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  • Rates are still historically 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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Mortgages from 2.50% (2.88% APR)
  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ANCHOR BANK WI 608-252-8800 ALL WISCONSIN 5 3.1 0 417
BANK OF AMERICA HOME LOANS MI 313-921-7070 DETROIT METRO 20 3.375 0.083 417
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.5 0 750
CHASE BANK WI 414-259-6630 ALL WISCONSIN 20 3.25 0.25 417
COMMUNITY MUTUAL SAVINGS NY 914-422-2700 ROCKLAND,PUTNAM,WESTCHESTER 5 3.125 0 417
GIBRALTAR SAVINGS BANK NJ 973-515-0885 ALL NEW JERSEY 10 3.125 0 417
GSL SAVINGS BANK NJ 201-869-9300 ALL NEW JERSEY 20 3.125 0 417
HADDON SAVINGS BANK NJ 856-547-3700 CAMDEN,BURLINGTON 20 3.125 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.31 0 417
KEY BANK OF UTAH UT 801-257-6300 ALL UTAH 25 3.31 0 417
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 5 3.125 0 417
MACKINAC SAVINGS BANK FL 800-419-0556 PALM BEACH,DADE,BROWARD 5 3.25 0 417
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 3 0.75 417
NORTHFIELD BANK NJ 732-499-7200 ALL NEW JERSEY 20 3.31 0 417
ONEIDA SAVINGS BANK NY 315-363-2000 ONEIDA, MADISON 20 3 0 417
THE EQUITABLE BANK, SSB WI 414-476-6434 MILWAUKEE METRO 20 2.99 0 417
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.375 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.375 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 4 0 1000
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 3.25 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.