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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 May 20 - 27 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.72% 0.17 3.72%
15-Year Fixed 3.12% 0.11 3.12%
5/1 ARM 3.01% 0.11 3.01%
*weekly rolling averages

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11/15 12/15 1/16 2/16 3/16 4/16 5/16
30-Year Fixed 3.99 4.01 4.02 3.75 3.77 3.73 3.69
  • 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

  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.75% APR)
www.ratezip.com
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
www.varatelock.com

Mortgage Refinance rates in Virginia

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3.625% Rate

30 Yr. Fixed

3.679% APR

$1,379 / month (est)

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Updated 5/23/2016

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3.375% Rate

30 Yr. Fixed

3.545% APR

$1,337 / month (est)

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Updated 5/23/2016

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4.180% Rate

30 Yr. Fixed

4.385% APR

$1,475 / month (est)

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Updated 5/23/2016

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
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Mortgage rates tailored for you
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Virginia Interest Rates as low as 2.63% (3.13APR)
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Refinance Rates From 2.875% (3.04% 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 © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ACADEMY BANK CO 303-696-3961 ALL COLORADO 20 4 0 1000
BANK MUTUAL WI 715-833-7700 ALL WISCONSIN 20 4.125 0 1000
BANK OF AMERICA CT 860-652-4635 ALL CONNECTICUT 20 3.5 0.419 650
BMO HARRIS BANK MN 612-904-8000 ALL MINNESOTA,WI 20 3.75 0 417
BRANCH BANKING & TRUST VA 703-497-4479 NORTH VIRGINIA 20 3.625 0.375 417
CHASE HOME FINANCE IL 312-732-1164 ALL ILLINOIS 20 3.875 0 650
CHASE HOME FINANCE PA 215-641-0900 ALL PENNSYLVANIA 20 3.875 0.25 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.625 0.25 417
CITIZENS BANK OH 216-883-2803 NORTHERN OHIO 20 3.75 0 750
COMERICA BANK AZ 602-297-8450 ALL ARIZONA 20 3.84 0 417
DITECH MORTGAGE PA 877-941-4622 ALL PENNSYLVANIA 25 3.75 0 417
FIRST- CITIZENS BANK GA 678-338-3400 ALL GEORGIA 20 3.75 0 417
GOLDEN 1 CREDIT UNION CA 800-462-1663 ALL CALIFORNIA 20 3.75 0 417
HSBC BANK USA CA 415-678-3861 ALL CALIFORNIA 20 3.68 0 1000
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 20 3.875 0 1000
WELLS FARGO BANK CA 916-920-2667 ALL CALIFORNIA 20 3.75 0 417
WELLS FARGO BANK CA 916-920-2667 ALL CALIFORNIA 20 3.75 0 474
WELLS FARGO HOME MORTGAGE CA 530-757-8052 ALL CALIFORNIA 20 3.875 0 474
WELLS FARGO HOME MORTGAGE GA 678-742-3677 ALL GEORGIA 20 3.875 0 650
WEST VIEW SAVINGS BANK PA 724-935-7400 SOUTH BUTLER,ALEGHENY 20 3.75 0 650

 

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.