dcsimg
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 Jul. 17 - 24 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.11% 0.14 4.11%
15-Year Fixed 3.40% 0.10 3.40%
5/1 ARM 3.09% 0.08 3.09%
*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
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
www.varatelock.com

Mortgage Refinance rates in Virginia

Mortgage Rates From 2.63% (2.96% APR)
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
Learn More
Other lenders for Mortgage Refinance of $200,000 in Virginia

3.750% Rate

30 Yr. Fixed

3.986% APR

$926 / month (est)

Updated 7/27/2015

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.

3.875% Rate

30 Yr. Fixed

4.101% APR

$940 / month (est)

Updated 7/23/2015

  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

Updated 7/24/2015

  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee

3.625% Rate

30 Yr. Fixed

3.813% APR

$912 / month (est)

Updated 7/24/2015

  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service

3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

Updated 7/24/2015

  • 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 7/24/2015

  • 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 MUTUAL WI 715-833-7700 ALL WISCONSIN 5 3.95 0 417
BANK OF AMERICA AZ 480-824-1048 ALL ARIZONA 20 4.125 0.492 417
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 4 0.306 1000
BANK OF AMERICA HOME LOANS TX 713-830-0932 ALL TEXAS 20 4 0.481 417
BANK OF AMERICA HOME LOANS MN 952-997-5655 ALL MINNESOTA 20 3.75 0.285 650
BMO HARRIS BANK AZ 602-765-7805 ALL ARIZONA 20 4 0.25 650
CHASE BANK CO 303-759-1411 ALL COLORADO 20 3.875 0.375 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 4 0 417
CITIBANK, FSB MD 410-637-2101 ALL MARYLAND,WASH DC 20 4 0 417
CITIMORTGAGE TX 800-627-3999 ALL TEXAS 20 3.75 0.125 650
FIRST BANK MORTGAGE MO 800-876-5566 ALL MISSOURI 5 3.875 0.498 417
PREMIER BANK MN 651-777-7700 ALL MINNESOTA 20 3.875 1 417
US BANK IL 630-942-7010 ALL ILLINOIS 20 3.875 0 1000
WELLS FARGO BANK CA 310-534-1811 ALL CALIFORNIA 20 4.125 0 417
WELLS FARGO BANK IL 630-279-8750 ALL ILLINOIS 20 4.25 0 750
WELLS FARGO HOME MORTGAGE WI 414-258-0545 ALL WISCONSIN 20 4.25 0 650
WELLS FARGO HOME MORTGAGE TX 281-261-1350 ALL TEXAS 20 4.125 0 417
WELLS FARGO HOME MORTGAGE PA 412-383-4960 ALL PENNSYLVANIA 20 4.125 0 417
WELLS FARGO HOME MORTGAGE GA 678-742-3677 ALL GEORGIA 20 4.25 0 650
WINTRUST MORTGAGE IL 847-939-9500 ALL ILLINOIS 20 3.75 0 1000

 

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.