dcsimg
We research, you save.

15 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

15-Year Fixed

Mortgage Rates for Jan. 29 - Feb. 05 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.78% 0.11 3.78%
15-Year Fixed 3.20% 0.08 3.20%
5/1 ARM 2.93% 0.07 2.93%
*weekly rolling averages

Hide graph data
8/15 9/15 10/15 11/15 12/15 1/16 2/16
15-Year Fixed 3.33 3.29 3.21 3.33 3.37 3.41 3.20
  • 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

  • No appraisal fees or closing costs (2)
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Keep More Money in Your Pocket
  • The Low Rates won't be here forever
  • It's Fast & Easy to Compare Rates. Get Quotes Now!

Mortgage Refinance rates in Virginia

Ad Disclosure
Sort By :

4.050% Rate

30 Yr. Fixed

4.253% APR

$1,452 / month (est)

Learn More

Updated 2/9/2016

  • We close our loans FAST - many in 30 days or less!
  • Rates are still incredibly low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
Call Now

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
Learn More
Personal loans - borrow up to $35,000; rates starting at 5.99%
  • Request a free personal quote
  • Compare real offers from top lenders in minutes!
  • Receive your funds in a few days
Learn More
RateZip
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.78% APR)
Learn More
Virginia Interest Rates as low as 3.00% (3.01APR)
  • Get your Free Quote in Minutes!
  • Lenders Compete for your Business
  • Do you have the Lowest Rate Possible? Find Out Instantly!
  • Lock in a Low Fixed Rate Before Rates Increase!
Learn More

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© 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ASSOCIATED BANK WI 414-278-1006 ALL WISCONSIN 20 3 0 417
BANK OF AMERICA HOME LOANS OH 614-987-0168 CENTRAL,NORTHERN OHIO 20 2.875 0.228 417
BANK OF AMERICA HOME LOANS MA 781-932-7149 ALL MASSACHUSETTS,NH,CT,RI 20 2.875 0.326 417
BANK OF RICHMONDVILLE NY 518-294-6661 ALBANY,SCHOHARIE,MONTGOMERY 20 4.25 0 417
BANNER BANK WA 509-892-4673 ALL WASHINGTON 20 3 0.25 417
BRANCH BANKING & TRUST NC 704-954-1201 ALL NORTH CAROLINA 20 2.75 0.25 417
CHASE BANK WI 414-259-6630 ALL WISCONSIN 20 3.5 0 650
CITIZENS BANK NH 603-634-7090 ALL NEW HAMPSHIRE,ME 20 3 0 417
CITIZENS BANK RI 401-434-1400 ALL RHODE ISLAND 25 3 0 650
CITIZENS BANK NH 603-634-7090 ALL NEW HAMPSHIRE,ME 25 3 0 650
FIRST BANK OF SEA ISLE CITY NJ 609-263-7823 CAPE MAY 20 3.5 0 600
HOWARD HANNA FINANCIAL SVCS PA 412-967-9000 WESTERN PENNSYLVANIA 20 3 0 417
MIDDLESEX SAVINGS BANK MA 508-653-0300 BOSTON METRO 20 2.75 0 417
PNC MORTGAGE MI 734-281-5209 WAYNE,OAKLAND,MACOMB 20 3.25 0 850
SANTANDER BANK MA 508-370-0601 ALL MASSACHUSETTS 20 2.875 0 1000
SANTANDER BANK PA 610-526-6379 EASTERN PA 20 2.875 0 1000
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 2.9 1.261 417
TCF NATIONAL BANK MN 612-823-2265 ALL MINNESOTA 20 3.25 1 417
TD BANK ME 207-774-1733 ALL MAINE 25 3.25 0 1000
WASHINGTON FEDERAL WA 206-624-7930 WESTERN WASHINGTON 20 3.625 0.75 417

 

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.