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 May 22 - 29 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.95% 0.17 3.95%
15-Year Fixed 3.26% 0.14 3.26%
5/1 ARM 2.98% 0.11 2.98%
*weekly rolling averages

Hide graph data
11/14 12/14 1/15 2/15 3/15 4/15 5/15
30-Year Fixed 4.10 4.02 3.89 3.85 3.91 3.79 3.90
  • 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

  • Loans for Military & Veterans Only
  • Reduced Interest Rates & Fees
  • 100% Financing Available
Array
  • 2.75% Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.83% APR)
www.ratezip.com

Mortgage Refinance rates in Virginia

3.875% Rate

30 Yr. Fixed

4.001% APR

$940 / month (est)

Learn More

Updated 5/26/2015

National LenderFHA Approved LenderVA Approved LenderOffers HARP LoansExtended Support Hours
  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
Call Now

3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

Learn More

Updated 5/26/2015

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee
Call Now

3.500% Rate

30 Yr. Fixed

3.697% APR

$898 / month (est)

Learn More

Updated 5/26/2015

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
Call Now

VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
Learn More
Mortgage Rates From 2.88% (3.05% APR)
  • $200k Loan for Under $830/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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 %
Points
Maximum Loan
$1,000
ARUNDEL FEDERAL SAVINGS BANK MD 410-768-7800 ALL MARYLAND 20 4.25 0 1000
ASSOCIATED BANK MN 952-591-2865 ALL MINNESOTA 20 4.25 0 1000
BANK OF AMERICA FL 386-238-7080 ALL FLORIDA 20 4 0.343 417
BANK OF AMERICA FL 813-875-9898 ALL FLORIDA 20 4 0.343 417
BMO HARRIS BANK IL 630-495-3100 ALL ILLINOIS 20 3.875 0.875 417
CHASE BANK WA 206-461-8606 ALL WASHINGTON 20 3.875 0.625 417
CHASE BANK CA 323-937-5625 ALL CALIFORNIA 20 3.875 0.375 417
CHASE BANK NJ 201-612-9305 NORTHERN NEW JERSEY 20 3.875 0 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 3.625 1.125 750
FIFTH THIRD BANK IL 773-227-7020 ALL ILLINOIS 20 4 0 417
PREMIER BANK MN 651-777-7700 ALL MINNESOTA 20 3.75 1 417
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 3.99 0.25 417
TD BANK ME 207-774-1733 ALL MAINE 25 3.95 0 1000
TD BANK NY 518-761-7385 NORTHEAST NEW YORK 25 3.95 0 1000
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 20 4.212 0 417
UNION BANK WA 425-356-2150 SEATTLE METRO 20 3.875 0 417
WELLS FARGO HOME MORTGAGE IL 312-274-4101 ALL ILLINOIS 20 4 0 650
WELLS FARGO HOME MORTGAGE CA 530-757-8052 ALL CALIFORNIA 20 4 0 417
WELLS FARGO HOME MORTGAGE CT 203-876-3800 ALL CONNECTICUT 20 4 0 417
WELLS FARGO HOME MORTGAGE WA 206-343-6422 SEATTLE METRO 20 3.875 0 517

 

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.