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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 Jan. 23 - 30 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.81% 0.16 3.81%
15-Year Fixed 3.22% 0.11 3.22%
5/1 ARM 3.07% 0.09 3.07%
*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

3.375% Rate

30 Yr. Fixed

3.534% APR

$884 / month (est)

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Updated 1/30/2015

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Mortgages from 2.50% (2.88% APR)
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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 © 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ASSURED MORTGAGE, INC WI 262-796-0662 MILWAUKEE METRO 20 4.125 0 650
ASTORIA FEDERAL SAVINGS NY 914-693-2011 RCK,ORNG,WSTC,DTCH,PTNM,ULS 20 3.75 0 1000
ASTORIA FEDERAL SAVINGS NY 914-693-2011 RCK,ORNG,WSTC,DTCH,PTNM,ULS 20 3.5 0 417
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 4.125 0 650
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 25 4 0 1000
FIRST NATIONAL BANK OH 216-631-8900 CLEVELAND METRO 20 3.625 0.25 417
FOX CHASE FEDERAL SAVINGS BK PA 215-283-2900 ALL PENNSYLVANIA 20 3.625 0 417
GLEN ROCK SAVINGS BANK NJ 973-636-5888 NORTHERN NEW JERSEY 20 4 0 417
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 20 4 0 1000
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 5 0 650
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 5 3.875 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 3.875 0 650
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 25 4.25 0 750
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 10 3.875 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 20 3.625 0 600
NBT BANK NY 607-337-2265 ALL NEW YORK 20 3.625 0 600
SUNTRUST BANK NC 919-755-2400 ALL NORTH CAROLINA,SC 20 3.625 1.126 417
SUNTRUST BANK NC 919-755-2400 ALL NORTH CAROLINA,SC 20 4 1.01 650
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 3.625 1.126 417
UMB BANK MO 816-860-7000 KANSAS CITY METRO 20 3.625 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.