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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 Oct. 24 - 31 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.15 4.07%
15-Year Fixed 3.34% 0.12 3.34%
5/1 ARM 3.06% 0.08 3.06%
*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

3.990% Rate

30 Yr. Fixed

4.045% APR

$954 / month (est)

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Updated 10/30/2014

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
Call Now

3.500% Rate

30 Yr. Fixed

3.739% APR

$898 / month (est)

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Updated 10/30/2014

  • Apply & Lock Rate 24/7!
  • View Good Faith Estimate Online 24/7!
  • All Lender & 3rd Party Fees Guaranteed, per Online GFE!
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3.625% Rate

30 Yr. Fixed

3.772% APR

$912 / month (est)

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Updated 10/30/2014

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
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3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

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Updated 10/30/2014

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

3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

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Updated 10/30/2014

Member of BBBOffers HARP LoansVA Approved LenderFHA Approved LenderLow Fees
  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
Call Now

3.875% Rate

30 Yr. Fixed

4.069% APR

$940 / month (est)

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Updated 10/30/2014

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

4.180% Rate

30 Yr. Fixed

4.435% APR

$976 / month (est)

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Updated 10/30/2014

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 3.00% (3.05% APR)
  • $200k Loan for Under $843/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 704-386-6188 ALL NORTH CAROLINA 20 4 0.158 417
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 4 0.25 417
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 4.125 0 650
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 4.125 0 1000
CHASE BANK FL 727-518-0449 ALL FLORIDA 20 4 0.875 417
DOLLAR BANK, FSB PA 800-344-5626 PITTSBURGH METRO 5 3.875 0 417
ESB BANK PA 724-934-8988 S.W.PENNSYLVANIA 20 4 0 417
FIFTH THIRD BANK MO 636-825-0843 ALL MISSOURI 20 4 0 417
GSL SAVINGS BANK NJ 201-869-9300 ALL NEW JERSEY 20 4 0 417
GUARDIAN MORTGAGE COMPANY TX 817-261-7235 ALL TEXAS 20 4.125 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 4 0 417
M & T BANK NY 716-848-7600 ALL NEW YORK 10 4.25 0 650
M & T BANK DE 302-472-3113 ALL DELAWARE 5 4 0 417
ORITANI BANK NJ 201-664-5400 ALL NEW JERSEY 20 4 0 417
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 5 4.125 0 417
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 4.125 0 417
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 10 3.875 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 3.875 0 417
WELLS FARGO HOME MORTGAGE MD 301-650-1045 ALL MARYLAND 25 4 0 1000
WELLS FARGO HOME MORTGAGE MD 410-585-1439 ALL MARYLAND 25 4 0 1000

 

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.