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30 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

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, these 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 © 2013 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 4.5 0 650
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.875 1 1000
CHASE HOME FINANCE MD 410-992-6660 ALL MARYLAND,SOUTHERN PA 20 4.375 0 600
FIRST NIAGARA BANK NY 315-484-5581 ALL NEW YORK 5 4.375 0 417
FIRST NIAGARA BANK NY 716-842-2500 ALL NEW YORK 20 4.125 0 650
FIRST NIAGARA BANK NY 716-842-2500 ALL NEW YORK 5 4.375 0 417
FIRST-CITIZENS BANK NC 910-792-6670 ALL NORTH CAROLINA 20 4.375 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 4.875 0 1500
NEW ENGLAND CAPITAL MTG CORP MA 781-380-7600 ALL MASSACHUSETTS,NH,RI 5 4.375 0 417
PNC MORTGAGE MD 410-415-6000 ALL MARYLAND 20 4.125 0 1000
PNC MORTGAGE MD 410-415-6000 ALL MARYLAND 20 4.25 0 417
RHINEBECK SAVINGS NY 845-229-8188 DTCHS,WCHSTR,PTNM,ORNG,ULST 5 4.375 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 4 0 417
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 20 4.49 1 650
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 4.5 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 4.5 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 4.25 0 1000
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.5 0 750
WHITNEY BANK TX 713-951-6120 HOUSTON METRO 20 4.5 0 417
WHITNEY BANK TX 713-951-6120 HOUSTON METRO 20 4.625 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.

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Mortgage refinance rates in Virginia

3.990% Rate

30 Yr. Fixed

4.216% APR

$954 / month (est)

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Updated 4/17/2014

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4.125% Rate

30 Yr. Fixed

4.477% APR

$969 / month (est)

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Updated 4/18/2014

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4.250% Rate

30 Yr. Fixed

4.455% APR

$984 / month (est)

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Updated 4/18/2014

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4.125% Rate

30 Yr. Fixed

4.359% APR

$969 / month (est)

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Updated 4/17/2014

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mortgagerates.freerateupdate.com

Current Mortgage Rates in United States

Time Range: 6m 1y 2y 5y (more) Looking for other products?

30-Year Fixed
15-Year Fixed
5/1-Year ARM

Mortgage Rates for Apr. 11 - 18 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.36% 0.16 4.36%
15 Year Fixed Rate Mortgage 3.53% 0.11 3.53%
30 Year 5/1 ARM 3.05% 0.09 3.05%
*weekly rolling averages

Show graph data