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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 Sep. 19 - 26 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.28% 0.20 4.28%
15-Year Fixed 3.57% 0.15 3.57%
5/1 ARM 3.31% 0.12 3.31%
*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

  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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mortgagerates.freerateupdate.com
 

Mortgage refinance rates in Virginia

4.125% Rate

30 Yr. Fixed

4.181% APR

$969 / month (est)

Learn More

Updated 9/23/2014

  • Find a mortgage right for you.
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
Call Now

3.875% Rate

30 Yr. Fixed

4.093% APR

$940 / month (est)

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Updated 9/22/2014

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • FDIC Bank - We Lend Our Own Money And Close Fast
  • Get online rates, payments and a Good Faith Estimate
  • Click GO To Talk To A Loan Expert Today!
Call Now

3.875% Rate

30 Yr. Fixed

4.039% APR

$940 / month (est)

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Updated 9/22/2014

  • FDIC Insured Bank
  • Apply Online 24/7
  • Approvals in Minutes
Call Now

4.000% Rate

30 Yr. Fixed

4.165% APR

$955 / month (est)

Learn More

Updated 9/22/2014

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
Call Now

4.125% Rate

30 Yr. Fixed

4.324% APR

$969 / month (est)

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Updated 9/22/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Call Now

4.000% Rate

30 Yr. Fixed

4.082% APR

$955 / month (est)

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Updated 9/22/2014

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

3.750% Rate

30 Yr. Fixed

3.949% APR

$926 / month (est)

Learn More

Updated 9/22/2014

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
Call Now

4.125% Rate

30 Yr. Fixed

4.353% APR

$969 / month (est)

Learn More

Updated 9/22/2014

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Call Now

4.125% Rate

30 Yr. Fixed

4.165% APR

$969 / month (est)

Learn More

Updated 9/22/2014

National LenderMember of BBBFHA Approved LenderOffers HARP LoansVA Approved Lender
  • 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!
Call Now

4.125% Rate

30 Yr. Fixed

4.260% APR

$969 / month (est)

Learn More

Updated 9/22/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansMember of BBB
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Call Now

4.500% Rate

30 Yr. Fixed

4.729% APR

$1,013 / month (est)

Learn More

Updated 9/22/2014

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

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
ASSOCIATED BANK IL 847-367-1850 ALL ILLINOIS,WI 20 4.25 0 417
BANK OF AMERICA NJ 973-658-1895 ALL NEW JERSEY 20 4.25 0 1000
BANK OF AMERICA AZ 480-824-1048 ALL ARIZONA 20 4.25 0.15 417
BANK OF AMERICA HOME LOANS IL 630-941-2000 ALL ILLINOIS 20 4.125 0.245 650
BREMER BANK MN 651-770-8441 ALL MINNESOTA 20 4.25 1 417
CAPITAL BANK NC 919-645-6449 ALL NORTH CAROLINA 20 4.25 0 417
CHASE BANK CA 323-937-5625 ALL CALIFORNIA 20 4.25 0.375 417
CITIBANK MD 301-961-3451 ALL MARYLAND 20 4.25 0.375 417
CITIMORTGAGE TX 800-627-3999 ALL TEXAS 20 4.25 0 650
COMERICA BANK MORTGAGE CORP TX 800-925-2160 ALL TEXAS 20 4.375 0 417
FIRST AMERICAN BANK IL 847-520-8088 CHICAGO METRO 30 4.875 0 1500
FIRST BANK CA 626-300-0880 ALL CALIFORNIA 10 4.25 0 417
FIRST-CITIZENS BANK FL 954-771-6948 MIAMI METROPOLITAN AREA 20 4.375 0 417
FREMONT BANK CA 800-659-7334 ALL CALIFORNIA 20 4.5 0 417
HSBC BANK PA 215-592-0700 ALL PENNSYLVANIA,OH 20 4.33 0 417
LIBERTY BANK FOR SAVINGS IL 773-792-2211 CHICAGO METRO 20 4.125 0 417
PRESIDENTIAL BANK MORTGAGE MD 301-590-8911 WASHINGTON DC METRO 20 4.25 0 625
SUNTRUST / MIAMI, NA FL 305-255-1517 DADE COUNTY 20 4.1 1 417
UMB BANK OF ST LOUIS MO 314-919-1150 ALL MISSOURI 20 4.25 0 417
WELLS FARGO BANK IL 630-279-8750 ALL ILLINOIS 20 4.375 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.