We research, you save.

30 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

30-Year Fixed

Mortgage Rates for Feb. 05 - 12 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.71% 0.14 3.71%
15-Year Fixed 3.15% 0.12 3.15%
5/1 ARM 2.90% 0.09 2.90%
*weekly rolling averages

Hide graph data
8/15 9/15 10/15 11/15 12/15 1/16 2/16
30-Year Fixed 4.00 3.98 3.90 3.99 4.01 4.02 3.77
  • 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

  • No appraisal fees or closing costs (2)
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Compare Mortgage Rates.
  • Enjoy Low Mortgage Rates.
  • Short Form to Receive Quotes.

Mortgage Refinance rates in Virginia

Ad Disclosure
Sort By :

3.375% Rate

30 Yr. Fixed

3.554% APR

$1,337 / month (est)

Learn More

Updated 2/10/2016

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

4.125% Rate

30 Yr. Fixed

4.329% APR

$1,465 / month (est)

Learn More

Updated 2/10/2016

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • 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.
Call Now

Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
Learn More
Personal loans - borrow up to $35,000; rates starting at 5.99%
  • Request a free personal quote
  • Compare real offers from top lenders in minutes!
  • Receive your funds in a few days
Learn More
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.78% APR)
Learn More
Virginia Interest Rates as low as 3.00% (3.01APR)
  • Get your Free Quote in Minutes!
  • Lenders Compete for your Business
  • Do you have the Lowest Rate Possible? Find Out Instantly!
  • Lock in a Low Fixed Rate Before Rates Increase!
Learn More

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
ACADEMY BANK CO 303-696-3961 ALL COLORADO 5 3.875 0 417
ALTRA FCU WI 608-787-4500 ALL WI,FL,TX,MI 25 3.625 0 417
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 3.625 0.281 417
BANK OF AMERICA HOME LOANS MI 313-921-7070 DETROIT METRO 20 3.75 0.112 417
BEAR CREEK MORTGAGE CO 719-591-1111 ALL COLORADO 5 3.75 0 417
CHASE BANK AZ 520-792-7238 ALL ARIZONA 20 3.625 0 1000
CHASE BANK MI 313-225-3774 ALL MICHIGAN 30 3.25 0.375 1000
KEY BANK IN 317-464-8008 ALL INDIANA 25 3.75 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.75 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 3.625 0 650
PREMIER BANK MN 651-777-7700 ALL MINNESOTA 20 3.5 1 417
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 3.75 0.5 750
SOMERSET SAVINGS BANK, SLA NJ 732-560-4800 ALL NEW JERSEY 20 3.625 0 417
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 3.49 1.255 650
TRUSTCO BANK NY 518-377-3311 NORTH,CENTRAL NEW YORK 10 3.75 0 417
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 3.5 0 1000
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 3.625 0 417
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 3.625 0 1000


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.