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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 Sep. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.29% 0.14 4.29%
15-Year Fixed 3.58% 0.13 3.58%
5/1 ARM 3.27% 0.12 3.27%
*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.
  • Lock in Your Low Rate Today!
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  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Mortgage refinance rates in Virginia

4.250% Rate

30 Yr. Fixed

4.306% APR

$984 / month (est)

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Updated 9/16/2014

  • Find a mortgage right for you.
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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4.125% Rate

30 Yr. Fixed

4.270% APR

$969 / month (est)

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Updated 9/16/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansMember of BBB
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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4.500% Rate

30 Yr. Fixed

4.739% APR

$1,013 / month (est)

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Updated 9/17/2014

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • 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.
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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, 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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
CAPITAL ONE BANK HOME LOANS MD 301-652-7060 NORTHWEST MARYLAND,WASH DC 10 4.25 0 625
CAPITAL ONE BANK HOME LOANS MD 888-287-2059 SOUTH MD,WASH DC,NORTH VA 10 4.25 0 494
CITIZENS BANK PA 412-227-5053 ALL PENNSYLVANIA 20 4.5 0 417
FIRST BANK MORTGAGE MO 800-876-5566 ALL MISSOURI 20 5.5 0.256 650
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 4.375 0 417
KEY BANK OH 513-345-8580 ALL OHIO 25 4.31 0 417
KEY BANK OH 800-422-2442 ALL OHIO 25 4.31 0 417
KEY BANK IN 800-487-8334 ALL INDIANA 25 4.31 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 4.25 0 650
KEY BANK OF UTAH UT 801-236-3220 ALL UTAH 25 4.25 0 650
M & T BANK MD 301-251-3256 ALL MARYLAND 10 4.375 0 650
M & T MORTGAGE CORP MD 410-545-2155 ALL MARYLAND 10 4.375 0 650
M & T MORTGAGE CORP MD 410-545-2155 ALL MARYLAND 5 4.25 0 417
ROSS MORTGAGE CORP MI 248-968-1800 DETROIT METRO 5 4.375 1 417
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 4.3 1.212 650
TRI CITY NATIONAL WI 414-761-1610 SOUTHEAST WISCONSIN 20 4.25 0 417
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 5 4.375 0 417
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 20 4.5 0 1000
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 4.375 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 4.375 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.