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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 Oct. 02 - 09 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.86% 0.12 3.86%
15-Year Fixed 3.20% 0.12 3.20%
5/1 ARM 2.89% 0.09 2.89%
*weekly rolling averages

Hide graph data
4/15 5/15 6/15 7/15 8/15 9/15 10/15
30-Year Fixed 3.79 3.91 4.05 4.13 4.00 3.98 3.91
  • 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)
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok

Mortgage Refinance rates in Virginia

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3.625% Rate

30 Yr. Fixed

3.808% APR

$912 / month (est)

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Updated 10/9/2015

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4.250% Rate

30 Yr. Fixed

4.475% APR

$984 / month (est)

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Updated 10/9/2015

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  • Rates are still historically low! Lock in a low rate and payment today.
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Personal Loans - Rates Starting as Low as 5.99% APR
  • Free Quotes for Loans from $5,000 to $35,000.
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Mortgage Rates From 2.63% (2.96% APR)
  • $200k Loan for Under $803/Month
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Other lenders for Mortgage Refinance of $200,000 in Virginia

3.625% Rate

30 Yr. Fixed

3.786% APR

$912 / month (est)

Updated 10/8/2015

  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
  • Credible: FDIC Insured Bank, A+ rating with Better Business Bureau. NMLS 424182

3.875% Rate

30 Yr. Fixed

3.971% APR

$940 / month (est)

Updated 10/8/2015

  • Find a mortgage right for you. NMLS#1057
  • Enjoy a convenient loan process
  • Low rates. Learn more 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 %
Maximum Loan
ASTORIA BANK NY 914-693-2011 RCK,ORNG,WSTC,DTCH,PTNM,ULS 20 3.875 0 1000
ASTORIA BANK NY 914-693-2011 RCK,ORNG,WSTC,DTCH,PTNM,ULS 20 3.75 0 417
BMO HARRIS BANK AZ 480-496-8350 ALL ARIZONA 20 3.75 0 417
CENTENNIAL BANK FL 407-975-0871 ALL FLORIDA 20 3.99 0 417
CONNECT ONE BANK NJ 201-816-8900 ALL NEW JERSEY 20 3.75 0 417
FIDELITY BANK GA 404-553-2900 ALL GEORGIA 20 3.625 1 417
FIFTH THIRD BANK MO 636-825-0843 ALL MISSOURI 20 3.75 0 417
FIRST-CITIZENS BANK NC 910-792-6670 ALL NORTH CAROLINA 20 3.875 0.5 417
FIRST-CITIZENS BANK NC 919-716-7121 ALL NORTH CAROLINA 20 3.875 0.5 417
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 10 3.875 0 417
HANCOCK BANK FL 904-538-8040 ALL FLORIDA 20 4 0 1000
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 20 3.875 1 1000
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.875 1 1000
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 25 4 0 750
UMB BANK OK 405-239-5828 ALL OKLAHOMA 20 4.125 0 417
UMB BANK AZ 480-315-6800 ALL ARIZONA 20 4.125 0 417
UMB BANK MO 816-860-7000 KANSAS CITY METRO 20 4.125 0 417


Be sure to see our other loan samples:
15-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.