We research, you save.

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

30-Year Fixed

Mortgage Rates for Dec. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 3.96% 0.13 3.96%
15-Year Fixed 3.31% 0.11 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: Low, stable payment; usually easiest qualification
  • Alternative Strategy: Consider Hybrid ARM with appropriate fixed period
  • Useful for: Purchasing a home; first-time homebuyers; refinancing to improve cash flow/lower payment
  • Consider if: Buying or refinancing a home and planning on owning for longer than 10 years
  • When shopping, ask about: "Full cost" vs. "No cost" refinances, prepaying loan to shorten term if desired

 

Mortgage refinance rates in Virginia

4.050% Rate

30 Yr. Fixed

4.314% APR

$961 / month (est)

Learn More

Updated 12/18/2014

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • 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.
Call Now

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.
  • Lock in Your Low Rate Today!
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 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
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 4 0.152 650
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 3.875 0.306 417
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 3.875 1 1000
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 3.875 0 650
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.125 0 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 4.125 0 1000
CITIZENS BANK PA 412-227-5053 ALL PENNSYLVANIA 20 4.125 0 417
FAIRWAY MORTGAGE SERVICES NY 845-635-4670 ALL NEW YORK 10 4.125 0 625
FIRST BANCORP MORTGAGE OH 513-965-0015 SOUTH OHIO 20 4 0 417
KEY BANK OH 513-345-8580 ALL OHIO 25 4 0 650
KEY BANK OF VERMONT VT 802-660-4170 ALL VERMONT 25 3.93 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.875 0 1000
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 20 3.875 0 1000
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 3.75 0 417
SUNTRUST BANK NC 919-755-2400 ALL NORTH CAROLINA,SC 20 4.125 1.002 650
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 4 0 1000
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 3.95 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 4 0 417
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 4 0 417
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 4 0 417

 

Be sure to see our other loan samples:
15-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.