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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 Nov. 21 - 28 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.07% 0.16 4.07%
15-Year Fixed 3.36% 0.10 3.36%
5/1 ARM 3.13% 0.10 3.13%
*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 11/25/2014

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

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Updated 11/25/2014

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
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3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

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Updated 11/25/2014

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 11/25/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansImmediate Rate Lock
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Call Now

4.125% Rate

30 Yr. Fixed

4.380% APR

$969 / month (est)

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Updated 11/25/2014

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.
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Mortgages from 2.88% (3.00% APR)
  • $200k Loan for Under $830/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 4 0.007 417
BANK OF AMERICA MORTGAGE TX 214-559-6400 ALL TEXAS 20 4 0.006 650
BBVA COMPASS BANK FL 904-564-8040 ALL FLORIDA 20 4.25 1 800
CENTURY BANK & TRUST MA 617-557-2950 ALL MASSACHUSETTS 20 3.99 0 417
CHASE BANK TX 713-524-5755 ALL TEXAS 20 4 0.25 1000
CHASE BANK NY 315-476-0987 ALL NEW YORK 20 4.5 0.5 417
CHASE HOME FINANCE PA 215-641-0900 ALL PENNSYLVANIA 20 4.5 0.375 417
CITIBANK, FSB NY 718-472-3400 ALL NEW YORK 20 4 0.75 417
EVERGREEN HOME LOANS WA 206-938-8900 ALL WASHINGTON,CA,OR,ID 20 4.125 1 800
HEARTLAND MORTGAGE MO 800-344-0211 ST LOUIS,JEFFERSON,FRANKLIN 20 4 0 650
HSBC BANK PA 215-592-0700 ALL PENNSYLVANIA,OH 20 4.09 0 417
HSBC BANK USA NY 718-488-4329 NYC,LONG ISLAND,ROCK,WESTCH 20 3.714 0 650
HSBC BANK USA NY 718-488-4329 NYC,LONG ISLAND,ROCK,WESTCH 20 4.09 0 417
SOUND COMMUNITY BANK WA 425-775-3100 ALL WASHINGTON 20 3.875 0 417
UMB BANK AZ 480-459-2135 ALL ARIZONA 20 4 0 417
WASHINGTON FEDERAL S&L ASSN WA 206-624-7930 WESTERN WASHINGTON 20 4.125 1 417
WELLS FARGO HOME MORTGAGE TX 972-763-1824 ALL TEXAS 20 4.125 0 417
WELLS FARGO HOME MORTGAGE VA 703-333-5541 ALL VIRGINIA,WASH DC,MD 20 3.875 0 625
WELLS FARGO HOME MORTGAGE CA 949-253-4372 ALL CALIFORNIA 20 4.125 0 1000
WINTRUST MORTGAGE IL 847-939-9500 ALL ILLINOIS 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.