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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 Jan. 23 - 30 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.81% 0.16 3.81%
15-Year Fixed 3.22% 0.11 3.22%
5/1 ARM 3.07% 0.09 3.07%
*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

3.375% Rate

30 Yr. Fixed

3.534% APR

$884 / month (est)

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Updated 1/30/2015

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Mortgages from 2.50% (2.88% APR)
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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
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 3.625 0.306 417
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 3.625 0.306 417
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 3.75 0.199 625
BANK OF AMERICA HOME LOANS CA 310-434-1854 ALL CALIFORNIA 20 3.625 0 417
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3.625 0.75 417
CITIBANK, FSB VA 703-478-3303 NORTHERN VIRGINIA 20 3.75 0 1000
CITIZENS BANK PA 412-227-5053 ALL PENNSYLVANIA 20 3.75 0 417
DOLLAR BANK, FSB PA 800-344-5626 PITTSBURGH METRO 20 3.625 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.625 0 600
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.75 0 417
FIRST-CITIZENS BANK TX 281-325-6400 ALL TEXAS 20 3.625 0 417
GIBRALTAR SAVINGS BANK NJ 973-515-0885 ALL NEW JERSEY 10 3.625 0 417
IBC BANK TX 713-285-2140 ALL TEXAS 20 3.75 0 417
KEY BANK OF UTAH UT 801-257-6300 ALL UTAH 25 3.65 0 417
REGIONS BANK FL 305-541-4547 ALL FLORIDA 20 3.75 0 417
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 3.625 0 417
UNIVERSITY OF WISCONSIN CU WI 608-232-5000 ALL WISCONSIN 20 3.625 0.25 417
US BANK WI 414-444-9408 ALL WISCONSIN 20 3.875 0 650
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 3.75 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 3.75 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.