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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 Oct. 24 - 31 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.15 4.07%
15-Year Fixed 3.34% 0.12 3.34%
5/1 ARM 3.06% 0.08 3.06%
*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

3.125% Rate

15 Yr. Fixed

3.221% APR

$1,393 / month (est)

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Updated 10/31/2014

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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2.500% Rate

15 Yr. Fixed

2.921% APR

$1,334 / month (est)

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Updated 10/31/2014

  • Apply & Lock Rate 24/7!
  • View Good Faith Estimate Online 24/7!
  • All Lender & 3rd Party Fees Guaranteed, per Online GFE!
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3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 10/31/2014

  • 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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2.750% Rate

15 Yr. Fixed

3.139% APR

$1,357 / month (est)

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Updated 10/31/2014

  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
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2.990% Rate

15 Yr. Fixed

3.310% APR

$1,380 / month (est)

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Updated 10/31/2014

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

3.375% Rate

15 Yr. Fixed

3.817% APR

$1,418 / month (est)

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Updated 10/31/2014

  • 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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Mortgages from 3.00% (3.05% APR)
  • $200k Loan for Under $843/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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
ACADEMY BANK CO 303-696-3961 ALL COLORADO 5 3.5 0 417
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 3.25 0.059 417
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 3.375 0 650
CITIZENS FIRST CREDIT UNION WI 920-236-7040 FOND DU LAC,OSHKOSH 10 3.125 0 417
ESB BANK PA 724-934-8988 S.W.PENNSYLVANIA 20 3 0 417
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 20 3.125 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.25 0 600
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.25 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 3.05 0 417
M & T BANK NY 212-350-2000 NEW YORK CITY 10 3.5 0 650
M & T BANK VA 703-359-2929 ALL VIRGINIA 5 3.375 0 417
PNC MORTGAGE MI 734-281-5209 WAYNE,OAKLAND,MACOMB 20 3.625 0 417
SHORE MORTGAGE MI 248-433-3300 DETROIT METRO 20 3.25 0 417
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 3.25 0 2000
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 2.99 0 417
UMB BANK AZ 480-459-2135 ALL ARIZONA 20 3.25 0 417
UMB BANK OF ST LOUIS MO 314-919-1150 ALL MISSOURI 20 3.25 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.5 0 500
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 20 3.375 0 650
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 3.125 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.