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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 Aug. 21 - 28 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.89% 0.12 3.89%
15-Year Fixed 3.23% 0.11 3.23%
5/1 ARM 2.90% 0.08 2.90%
*weekly rolling averages

Hide graph data
2/15 3/15 4/15 5/15 6/15 7/15 8/15
30-Year Fixed 3.85 3.91 3.79 3.91 4.05 4.13 4.00
  • 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)
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Mortgage Refinance rates in Virginia

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4.000% Rate

30 Yr. Fixed

4.227% APR

$955 / month (est)

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Updated 8/28/2015

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4.250% Rate

30 Yr. Fixed

4.475% APR

$984 / month (est)

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Updated 8/28/2015

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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 TEXAS MORTGAGE TX 214-346-3970 ALL TEXAS 10 4 0 417
BANK OF TEXAS MORTGAGE TX 214-346-3970 ALL TEXAS 25 4.25 0 1500
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.875 0.5 417
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 4.05 0 417
HUNTINGTON MORTGAGE COMPANY NJ 800-828-1318 ALL NEW JERSEY 5 3.75 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 5.125 0 650
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 4.125 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 4.125 0 417
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 5.125 0 650
INVESTORS BANK NJ 609-259-1830 ALL NEW JERSEY 30 4 0 625
JOHNSON BANK WI 414-304-7000 ALL WISCONSIN 20 4.25 0 650
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.25 0 650
MILFORD FEDERAL SAVINGS BANK MA 800-478-6990 ALL MASSACHUSETTS,RI 20 3.875 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 4 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 20 4 0 600
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 20 4.125 0 650
SANTANDER BANK PA 610-526-6379 EASTERN PA 20 3.99 0 1000
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 3.875 0 650
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 4 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 3.75 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.