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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 Aug. 22 - 29 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.17% 0.15 4.17%
15-Year Fixed 3.45% 0.13 3.45%
5/1 ARM 3.14% 0.08 3.14%
*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

  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
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  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Mortgage refinance rates in Virginia

4.125% Rate

30 Yr. Fixed

4.319% APR

$969 / month (est)

Learn More

Updated 8/28/2014

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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, these 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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 4 0.452 650
BANK OF AMERICA FL 954-316-1685 ALL FLORIDA 20 4.25 0.179 650
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 4 0.174 417
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 4.125 0 650
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4 0.125 650
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.25 0 417
CHARTER ONE BANK, FSB OH 216-696-0130 NORTHERN OHIO 20 4.125 0 750
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.875 0.25 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 3.75 1 1000
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 4 0 600
HOWARD HANNA MTG SERVICES OH 216-447-0077 NORTHEAST OHIO 20 4.125 0 417
MUNICIPAL CREDIT UNION NY 212-238-3501 NEW YORK CITY 5 4 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 20 4.125 0 600
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 4.125 0 417
SUFFOLK COUNTY NATIONAL BANK NY 631-208-2244 LONG ISLAND 20 4 0 417
THE BERKSHIRE BANK NY 845-294-6151 ORANGE COUNTY 35 4.375 0 417
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 20 4 0 650
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 4.125 0 1000
WELLS FARGO HOME MORTGAGE CO 303-464-7247 ALL COLORADO 20 4.125 0 650
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 4.125 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.