30 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey
Mortgage Rates for Dec. 12 - 19 , 2014*
|Product||Interest Rate||Points||National Average|
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- 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
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).
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
|BANK OF AMERICA||NC||919-829-6664||ALL NORTH CAROLINA||20||4||0.152||650|
|BANK OF AMERICA HOME LOANS||VA||804-788-2121||ALL VIRGINIA||20||3.875||0.306||417|
|BBVA COMPASS BANK||AZ||602-522-2580||ALL ARIZONA||20||3.875||1||1000|
|CHARTER ONE BANK||MI||313-943-4813||CENTRAL,SOUTH MICHIGAN||20||3.875||0||650|
|CHARTER ONE BANK||MI||313-943-4813||CENTRAL,SOUTH MICHIGAN||20||4.125||0||417|
|CHASE BANK||AZ||480-324-1354||ALL ARIZONA||20||4.125||0||1000|
|CITIZENS BANK||PA||412-227-5053||ALL PENNSYLVANIA||20||4.125||0||417|
|FAIRWAY MORTGAGE SERVICES||NY||845-635-4670||ALL NEW YORK||10||4.125||0||625|
|FIRST BANCORP MORTGAGE||OH||513-965-0015||SOUTH OHIO||20||4||0||417|
|KEY BANK||OH||513-345-8580||ALL OHIO||25||4||0||650|
|KEY BANK OF VERMONT||VT||802-660-4170||ALL VERMONT||25||3.93||0||417|
|M & T BANK MORTGAGE DIVISION||CO||303-779-8858||ALL COLORADO||20||3.875||0||1000|
|M & T BANK MORTGAGE DIVISION||WA||206-938-0664||ALL WASHINGTON||20||3.875||0||1000|
|NBT BANK||NY||518-673-4919||MONTGOMERY,ESSEX COUNTY||5||3.75||0||417|
|SUNTRUST BANK||NC||919-755-2400||ALL NORTH CAROLINA,SC||20||4.125||1.002||650|
|VALLEY NATIONAL BANK||NJ||973-305-8800||ALL NEW JERSEY,NY,PA||20||4||0||1000|
|VALLEY NATIONAL BANK||NJ||973-305-8800||ALL NEW JERSEY,NY,PA||20||3.95||0||417|
|WELLS FARGO BANK||CO||303-331-5050||ALL COLORADO||20||4||0||417|
|WELLS FARGO HOME MORTGAGE||NC||704-367-7600||ALL NORTH CAROLINA,SC||20||4||0||417|
|WELLS FARGO HOME MORTGAGE||MO||314-238-1355||ALL MISSOURI||20||4||0||417|
|Be sure to see our other loan samples:|
|15-Year FRMs||1-Year ARMs||5/1-Year Hybrid ARMs|
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