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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. 22 - 29 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.61% 0.22 3.61%
15-Year Fixed 3.03% 0.23 3.03%
5/1 ARM 2.91% 0.19 2.91%
*weekly rolling averages

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1/16 2/16 3/16 4/16 5/16 6/16 7/16
30-Year Fixed 4.02 3.75 3.77 3.73 3.70 3.70 3.56
  • 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

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  • Active or Retired VA Programs Available

Mortgage Refinance rates in Virginia

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3.250% Rate

30 Yr. Fixed

3.476% APR

$1,316 / month (est)

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Updated 7/28/2016

Member of BBBLow FeesVA Approved LenderFHA Approved LenderOffers HARP Loans
  • Competitive rates and fees: No fancy branches = savings passed on to you!
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3.750% Rate

30 Yr. Fixed

4.023% APR

$1,400 / month (est)

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Updated 7/28/2016

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  • Rates are still incredibly 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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Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
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VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
  • Zero Down and Low Interest Rates
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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 © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Maximum Loan
ALTRA FCU WI 608-787-4500 ALL WI,FL,TX,MI 25 3.5 0 417
AMBOY NATIONAL BANK NJ 800-942-6269 ALL NEW JERSEY 20 4.125 0 417
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 3.5 0.613 417
CHASE BANK AZ 520-792-7238 ALL ARIZONA 20 3.375 1.25 417
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.375 1 1000
CITIBANK, FSB VA 703-478-3303 NORTHERN VIRGINIA 20 3.5 0.625 1000
COLUMBIA BANK NJ 800-962-4989 ALL NEW JERSEY 20 3.5 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.875 0 417
KEY BANK OH 513-345-8580 ALL OHIO 25 3.625 0 650
SUNTRUST MORTGAGE VA 804-281-3705 RICHMOND METRO 10 3.25 1 417
TD BANK MD 301-217-0564 ALL MARYLAND 20 3.625 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 10 3.375 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 20 3.625 0 1000
US BANK WI 414-444-9408 ALL WISCONSIN 20 3.75 0 650
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 3.75 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.625 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.625 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.875 0 1000
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 3.625 0 417


Be sure to see our other loan samples:
15-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.