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

30-Year Fixed

Mortgage Rates for Feb. 20 - 27 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.92% 0.13 3.92%
15-Year Fixed 3.26% 0.13 3.26%
5/1 ARM 3.08% 0.12 3.08%
*weekly rolling averages

Hide graph data
8/14 9/14 10/14 11/14 12/14 1/15 2/15
30-Year Fixed 4.21 4.21 4.15 4.10 4.02 3.89 3.85
  • 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

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Mortgage refinance rates in Virginia

3.750% Rate

30 Yr. Fixed

3.794% APR

$926 / month (est)

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Updated 2/26/2015

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3.375% Rate

30 Yr. Fixed

3.571% APR

$884 / month (est)

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Updated 2/26/2015

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3.500% Rate

30 Yr. Fixed

3.719% APR

$898 / month (est)

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Updated 2/26/2015

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Mortgage Rates From 3.13% (3.09% APR)
  • $200k Loan for Under $857/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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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 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
BALLSTON SPA NATIONAL BANK NY 518-885-6781 SARATOGA 20 3.875 0 417
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 3.875 0 650
CHASE BANK MI 313-225-3774 ALL MICHIGAN 30 3.625 0.375 1000
ESB BANK PA 724-934-8988 S.W.PENNSYLVANIA 20 3.75 0 417
HUDSON CITY SAVINGS BANK NY 914-698-6400 W.ROCKLAND,PUTNAM,DUTCHESS 20 4.875 0 417
KEY BANK OH 800-422-2442 ALL OHIO 25 3.83 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 4.125 0 650
MOUNTAIN MORTGAGE CORP NJ 908-686-7722 ESSEX,MORRIS,BERGEN,UNION 5 3.625 0 417
NATIONAL PENN BANK PA 215-968-4444 BUCKS,MONTGMRY,PHILA,CHESTR 25 3.625 0 417
SANTANDER BANK RI 401-826-7520 ALL RHODE ISLAND 20 4 0 1000
TCF NATIONAL BANK IL 800-823-2265 ALL ILLINOIS 20 4.125 1 417
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 4 0 1000
TD BANK MD 301-217-0564 ALL MARYLAND 20 4.062 0 417
UNIVERSITY OF WISCONSIN CU WI 608-232-5000 ALL WISCONSIN 20 3.625 0.25 417
US BANK CA 213-615-6300 ALL CALIFORNIA 20 3.75 0 625
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.875 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 4.25 0 1000
WELLS FARGO HOME MORTGAGE FL 407-622-2770 ALL FLORIDA 20 3.875 0 417
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 4.25 0 650
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 4.125 0 750

 

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.