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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 Nov. 14 - 21 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.08% 0.14 4.08%
15-Year Fixed 3.38% 0.10 3.38%
5/1 ARM 3.12% 0.09 3.12%
*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 11/20/2014

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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3.625% Rate

30 Yr. Fixed

3.786% APR

$912 / month (est)

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Updated 11/20/2014

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.
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3.750% Rate

30 Yr. Fixed

3.912% APR

$926 / month (est)

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Updated 11/20/2014

  • FDIC Insured Bank
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  • Approvals in Minutes
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3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

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Updated 11/20/2014

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
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3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

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Updated 11/20/2014

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

4.049% APR

$940 / month (est)

Learn More

Updated 11/20/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansImmediate Rate Lock
  • 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

4.415% APR

$976 / month (est)

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Updated 11/20/2014

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.
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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 3.875 0.49 650
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 4 0.107 417
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 3.875 1 417
BEAR CREEK MORTGAGE CO 719-591-1111 ALL COLORADO 5 4.125 0 417
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 4.125 0 417
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 20 4.375 0 417
FIRST BANCORP MORTGAGE OH 513-965-0015 SOUTH OHIO 20 4 0 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 4 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 4.125 0 417
GSL SAVINGS BANK NJ 201-869-9300 ALL NEW JERSEY 20 4 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.125 0 650
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 3.95 0 417
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 20 4 0 1000
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 5 3.875 0 417
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 5 3.875 0 417
ORITANI BANK NJ 201-664-5400 ALL NEW JERSEY 30 4 0 750
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 10 3.875 0 417
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.25 0 750
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4 1 750
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 4 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.