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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 Jun. 24 - Jul. 01 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.58% 0.18 3.58%
15-Year Fixed 2.99% 0.16 2.99%
5/1 ARM 2.79% 0.16 2.79%
*weekly rolling averages

Hide graph data
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 3.57
  • 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

  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.75% APR)
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Mortgage Refinance rates in Virginia

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3.250% Rate

30 Yr. Fixed

3.369% APR

$1,316 / month (est)

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Updated 6/30/2016

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3.750% Rate

30 Yr. Fixed

3.950% APR

$1,400 / month (est)

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Updated 6/30/2016

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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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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 %
Points
Maximum Loan
$1,000
ARUNDEL FEDERAL SAVINGS BANK MD 410-768-7800 ALL MARYLAND 10 3.625 0 417
CHASE BANK FL 727-518-0449 ALL FLORIDA 20 3.5 0.25 417
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 10 3.5 0 650
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.5 0 600
FIRST NORTHERN BANK CA 800-682-8648 ALL CALIFORNIA 5 3.5 0 417
HADDON SAVINGS BANK NJ 856-547-3700 CAMDEN,BURLINGTON 20 3.875 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 3.25 0 417
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 3.375 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.5 0.5 1000
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 20 3.5 0.5 1000
MACKINAC SAVINGS BANK FL 800-419-0556 PALM BEACH,DADE,BROWARD 5 3.625 0 417
MAGYAR SAVINGS BANK, SLA NJ 732-342-7600 MIDDLESEX,SOMERSET,MONMOUTH 5 3.5 0 417
MOUNTAIN MORTGAGE CORP NJ 908-686-7722 ESSEX,MORRIS,BERGEN,UNION 20 3.4 0 1500
SALISBURY BANK & TRUST CT 860-435-9801 LTCHFD CT,DTCHS NY,BERKS MA 20 3.5 0 417
SUNTRUST MORTGAGE VA 804-281-3705 RICHMOND METRO 20 3.49 1 650
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 5 3.5 0 417
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 3.75 0 417
US BANK OR 503-944-4040 ALL OREGON 20 3.625 0 1000
US BANK OR 503-944-4040 ALL OREGON 20 3.625 0 417
WELLS FARGO HOME MORTGAGE MA 508-616-1000 ALL MASSACHUSETTS 20 3.75 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.