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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 Jul. 24 - 31 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.12 4.05%
15-Year Fixed 3.36% 0.09 3.36%
5/1 ARM 3.05% 0.07 3.05%
*weekly rolling averages

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1/15 2/15 3/15 4/15 5/15 6/15 7/15
30-Year Fixed 3.89 3.85 3.91 3.79 3.91 4.05 4.13
  • 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
  • (2.80% APR)
www.ratezip.com
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  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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Mortgage Refinance rates in Virginia

3.500% Rate

30 Yr. Fixed

3.660% APR

$898 / month (est)

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Updated 7/31/2015

  • PenFed Credit Union lends in all 50 States
  • We provide some of the lowest rates and fees available.
  • Go ahead, put us to the test!
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4.250% Rate

30 Yr. Fixed

4.475% APR

$984 / month (est)

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Updated 7/31/2015

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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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
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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 NC 704-386-6188 ALL NORTH CAROLINA 20 3.75 0.232 650
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 4 0.379 417
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 3.875 0.089 1000
BANK OF TEXAS MORTGAGE TX 214-346-3970 ALL TEXAS 25 4.125 0.25 1500
BBVA COMPASS BANK AZ 602-522-2580 ALL ARIZONA 20 4.25 1 1000
CROSS COUNTRY MORTGAGE MI 248-282-1602 ALL MICHIGAN 20 4 0 417
FIFTH THIRD BANK MO 636-825-0843 ALL MISSOURI 20 3.875 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 4.125 0 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 4.125 0 417
FIRST-CITIZENS BANK NC 336-631-2400 ALL NORTH CAROLINA 20 4 0.25 417
FIRST-CITIZENS BANK NC 910-792-6670 ALL NORTH CAROLINA 20 4 0.25 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3.875 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3.875 0 650
MACKINAC SAVINGS BANK FL 800-419-0556 PALM BEACH,DADE,BROWARD 5 4.125 0 417
MAGYAR SAVINGS BANK, SLA NJ 732-342-7600 MIDDLESEX,SOMERSET,MONMOUTH 20 4 0 417
NBT BANK NY 518-773-5112 FULTON,HAMILTON,MONTGOMERY 5 4 0 417
NBT BANK NY 518-773-5112 FULTON,HAMILTON,MONTGOMERY 20 4 0 600
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 4.125 0 417
PNC MORTGAGE CA 619-297-8300 ALL CALIFORNIA 20 4.125 0 417
PYRAMAX BANK WI 414-645-5962 ALL WISCONSIN 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.