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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. 17 - 24 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.03% 0.12 4.03%
15-Year Fixed 3.29% 0.12 3.29%
5/1 ARM 3.02% 0.12 3.02%
*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

3.875% Rate

30 Yr. Fixed

3.930% APR

$940 / month (est)

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Updated 10/23/2014

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

3.875% Rate

30 Yr. Fixed

4.087% APR

$940 / month (est)

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Updated 10/23/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Call Now

3.500% Rate

30 Yr. Fixed

3.739% APR

$898 / month (est)

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Updated 10/23/2014

  • 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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3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

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Updated 10/23/2014

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

4.125% Rate

30 Yr. Fixed

4.165% APR

$969 / month (est)

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Updated 10/23/2014

National LenderMember of BBBFHA Approved LenderOffers HARP LoansVA Approved Lender
  • DIRECT LENDER. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Virginia.
  • These rates won't last. Call now and lock-in your low rate!
Call Now

3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

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Updated 10/23/2014

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

4.038% APR

$940 / month (est)

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Updated 10/23/2014

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

4.415% APR

$976 / month (est)

Learn More

Updated 10/23/2014

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 2.75% (2.96% APR)
  • $200k Loan for Under $816/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
ASSOCIATED BANK IL 847-367-1850 ALL ILLINOIS,WI 20 4.375 0 1000
BANK OF AMERICA HOME LOANS MA 617-346-0484 BOSTON METRO 20 4 0.292 465
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 4 0 750
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 4.125 0 417
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 4 0 750
DOLLAR BANK, FSB PA 800-344-5626 PITTSBURGH METRO 5 3.75 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 4.75 0 417
KEY BANK WA 800-487-8334 ALL WASHINGTON,ID,UT 25 4.02 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.79 0 650
KEY BANK OR 503-226-7283 PORTLAND METRO 25 4.02 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 3.79 0 650
KEY BANK OF MAINE ME 207-776-7240 ALL MAINE 25 3.79 0 650
MASPETH FEDERAL S&L NY 718-651-7888 ALL NEW YORK 25 4.75 0 417
METUCHEN SAVINGS BANK NJ 732-549-4452 ALL NEW JERSEY 25 4.125 0 417
PARK BANK WI 414-466-8000 ALL WISCONSIN 20 3.875 0 417
SOMERSET SAVINGS BANK, SLA NJ 732-560-4800 ALL NEW JERSEY 20 4.25 0 417
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 3.875 0 417
UMPQUA BANK WA 425-775-9968 ALL WASHINGTON 20 4 0 417
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 4.125 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 4.125 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.