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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 Aug. 22 - 29 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.17% 0.14 4.17%
15-Year Fixed 3.45% 0.12 3.45%
5/1 ARM 3.14% 0.08 3.14%
*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 20-year term makes payment too high, whether 25-year term is available

  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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  • Get a Low Refinance Quote in 30 Secs!
  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
  • No Harassing Calls, just One Bank!

Mortgage refinance rates in Virginia

2.875% Rate

15 Yr. Fixed

3.159% APR

$1,369 / month (est)

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Updated 9/2/2014

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  • We changed the process to make it better, faster and easier for you.
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3.000% Rate

15 Yr. Fixed

3.342% APR

$1,381 / month (est)

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Updated 9/2/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
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3.125% Rate

15 Yr. Fixed

3.519% APR

$1,393 / month (est)

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Updated 9/2/2014

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

15 Yr. Fixed

3.193% APR

$1,393 / month (est)

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Updated 8/29/2014

  • 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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3.375% Rate

15 Yr. Fixed

3.817% APR

$1,418 / month (est)

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Updated 9/2/2014

  • 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, these 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 %
Maximum Loan
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 3.375 0.561 417
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 3.625 0.291 1000
BANK OF AMERICA HOME LOANS MD 443-837-0448 ALL MARYLAND 20 3.625 0.295 1000
BRANCH BANKING & TRUST MD 410-727-7511 BALTIMORE METRO AREA 20 3.25 0.375 1000
CHASE BANK CA 415-749-6535 ALL CALIFORNIA 30 3.625 0 1000
CHASE BANK CA 415-749-6535 ALL CALIFORNIA 20 3.375 0.375 417
CHASE BANK TX 713-524-5755 ALL TEXAS 20 3.25 1.25 1000
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3.375 0.125 417
CHASE BANK CA 619-615-0600 ALL CALIFORNIA 20 3.375 0.375 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 3.375 0 700
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 20 3.5 0 417
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 25 3.5 0 650
FIRST BANK CA 626-300-0880 ALL CALIFORNIA 10 3.5 0 417
HSBC BANK USA CA 415-678-3861 ALL CALIFORNIA 20 3.42 0 417
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 25 3.125 0.375 417
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 25 3.625 0 650
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 3.75 0.5 750
TCF NATIONAL BANK IL 800-823-2265 ALL ILLINOIS 20 3.375 0 650


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.