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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. 24 - 31 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.12 4.05%
15-Year Fixed 3.36% 0.09 3.36%
5/1 ARM 3.05% 0.07 3.05%
*weekly rolling averages

Hide graph data
1/15 2/15 3/15 4/15 5/15 6/15 7/15
30-Year Fixed 3.89 3.85 3.91 3.79 3.91 4.05 4.13
  • 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
  • (2.80% APR)
www.ratezip.com
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
www.guidetolenders.com

Mortgage Refinance rates in Virginia

3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

Learn More

Updated 8/4/2015

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee
Call Now

3.750% Rate

30 Yr. Fixed

3.975% APR

$926 / month (est)

Learn More

Updated 8/4/2015

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
Call Now

3.500% Rate

30 Yr. Fixed

3.687% APR

$898 / month (est)

Learn More

Updated 8/4/2015

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
Call Now

VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
Learn More
Other lenders for Mortgage Refinance of $200,000 in Virginia

3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

Updated 7/31/2015

  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30

4.250% Rate

30 Yr. Fixed

4.475% APR

$984 / month (est)

Updated 7/31/2015

  • 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.

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 © 2015, 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 MN 952-997-5655 ALL MINNESOTA 20 3.625 0.455 650
BANK OF AMERICA HOME LOANS PA 610-225-8025 ALL PENNSYLVANIA 20 3.875 0.292 650
BANK OF AMERICA MORTGAGE WA 206-585-3666 WESTERN WASHINGTON 10 4 0 417
BANK OF AMERICA MORTGAGE TX 214-559-6400 ALL TEXAS 20 3.75 0.381 650
BRANCH BANKING & TRUST VA 703-497-4479 NORTH VIRGINIA 20 3.875 0.625 1000
BRANCH BANKING & TRUST MD 301-493-4900 ALL MARYLAND 20 4 0.5 417
CHASE BANK NY 800-333-1085 ALL NEW YORK 20 3.75 0.625 417
CHASE BANK NJ 201-612-9305 NORTHERN NEW JERSEY 20 3.625 0.125 1000
CHASE BANK WA 206-461-8606 ALL WASHINGTON 20 3.875 0.375 417
CHASE HOME FINANCE CT 203-861-7379 ALL CONNECTICUT 20 3.625 0 1000
CHASE HOME FINANCE NY 516-333-6911 ALL NEW YORK 10 3.75 0.5 417
CHASE HOME FINANCE CT 203-861-7379 ALL CONNECTICUT 20 3.5 0.375 575
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 3.875 0.625 417
CITIBANK, FSB MD 410-637-2101 ALL MARYLAND,WASH DC 20 3.875 0.625 417
FREMONT BANK CA 800-659-7334 ALL CALIFORNIA 20 4.25 0 625
SANTANDER BANK NJ 609-924-4498 ALL NEW JERSEY 20 3.99 0 1000
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 20 4.25 0 1000
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 5 4 0 417
WELLS FARGO HOME MORTGAGE WA 206-343-6422 SEATTLE METRO 20 4.25 0 517
WESCOM CREDIT UNION CA 888-493-7266 ALL CALIFORNIA 10 3.875 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.