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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 Sep. 26 - Oct. 03 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.23% 0.13 4.23%
15-Year Fixed 3.53% 0.09 3.53%
5/1 ARM 3.26% 0.08 3.26%
*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

  • $200k Loan for Under $790/Month
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  • Compare Rates from Up to 5 Lenders.
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  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Mortgage refinance rates in Virginia

2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

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Updated 10/1/2014

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  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
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3.125% Rate

15 Yr. Fixed

3.497% APR

$1,393 / month (est)

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Updated 10/1/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
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3.250% Rate

15 Yr. Fixed

3.645% APR

$1,405 / month (est)

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Updated 10/1/2014

  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
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3.125% Rate

15 Yr. Fixed

3.429% APR

$1,393 / month (est)

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Updated 10/1/2014

  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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3.500% Rate

15 Yr. Fixed

3.926% APR

$1,430 / month (est)

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Updated 10/1/2014

  • We close our loans FAST - many in 30 days or less!
  • 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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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
AMBOY NATIONAL BANK NJ 800-942-6269 ALL NEW JERSEY 20 3.625 0 417
BANK OF AMERICA CT 203-899-2551 ALL CONNECTICUT 20 3.375 0.667 417
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 3.875 0.25 650
BEAR CREEK MORTGAGE CO 719-591-1111 ALL COLORADO 5 4.125 0 417
CAPITAL ONE BANK HOME LOANS MD 888-287-2059 SOUTH MD,WASH DC,NORTH VA 10 3.125 0 494
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.5 0 417
CHASE BANK FL 305-443-3969 ALL FLORIDA 30 3.5 0.25 1000
CHASE BANK NY 518-433-2500 ALL NEW YORK 20 3.75 0.75 1000
CITIBANK, FSB VA 703-478-3303 NORTHERN VIRGINIA 20 3.375 0.625 417
FIRST BANK CA 626-300-0880 ALL CALIFORNIA 10 3.5 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 3.5 0 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.375 0 417
FULTON BANK PA 610-873-4740 ALL PENNSYLVANIA 5 3.5 0 417
HOWARD HANNA FINANCIAL SVCS PA 412-967-9000 WESTERN PENNSYLVANIA 20 3.375 0 417
M & T BANK MD 301-251-3256 ALL MARYLAND 5 3.5 0 417
MILFORD FEDERAL SAVINGS BANK MA 800-478-6990 ALL MASSACHUSETTS,RI 20 3.125 0 417
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 4 0 1000
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.625 0 417
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 3.5 0 417
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 10 3.375 1 417

 

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.