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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 Sep. 05 - 12 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.21% 0.15 4.21%
15-Year Fixed 3.48% 0.12 3.48%
5/1 ARM 3.19% 0.08 3.19%
*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

  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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  • Get a Low Refinance Quote in 30 Secs!
  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
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Mortgage refinance rates in Virginia

4.500% Rate

30 Yr. Fixed

4.750% APR

$1,013 / month (est)

Learn More

Updated 9/12/2014

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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 OR 503-279-3200 ALL OREGON 20 4.125 0.548 1000
BANK OF AMERICA HOME LOANS MA 617-346-0484 BOSTON METRO 20 4.125 0.731 465
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 5 4.25 0 417
CHASE BANK FL 727-518-0449 ALL FLORIDA 20 4.25 0.25 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 4.25 0 417
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 4.25 0 750
DOLLAR BANK, FSB PA 800-344-5626 PITTSBURGH METRO 5 3.99 0 417
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 4 0 750
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 4.125 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 4.5 0 1500
KEY BANK CO 303-744-3228 ALL COLORADO 25 4.125 0 650
KEY BANK OF MAINE ME 207-776-7240 ALL MAINE 25 4.125 0 650
M & T BANK MD 301-251-3256 ALL MARYLAND 5 4.125 0 417
M & T BANK DE 302-472-3113 ALL DELAWARE 5 4.125 0 417
SAWYER SAVINGS NY 888-772-1871 ORANGE,DUTCHESS,ULSTER 5 3.953 0 417
UMB BANK AZ 480-459-2135 ALL ARIZONA 20 4.25 0 417
US BANK OR 503-944-4040 ALL OREGON 20 4.375 0 1000
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 20 4.125 0 650
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 4.25 0 417
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 4.25 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.