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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 Apr. 22 - 29 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.75% 0.12 3.75%
15-Year Fixed 3.12% 0.11 3.12%
5/1 ARM 2.97% 0.09 2.97%
*weekly rolling averages

Hide graph data
10/15 11/15 12/15 1/16 2/16 3/16 4/16
30-Year Fixed 3.90 3.99 4.01 4.02 3.75 3.77 3.73
  • 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

  • We will cover up to $750 in closing costs!
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.75% APR)
www.ratezip.com

Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.525% APR

$1,337 / month (est)

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Updated 4/28/2016

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3.500% Rate

30 Yr. Fixed

3.692% APR

$1,358 / month (est)

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Updated 4/29/2016

  • Nationally competitive rates backed by our Best Price Guarantee!
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3.250% Rate

30 Yr. Fixed

3.363% APR

$1,316 / month (est)

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Updated 4/29/2016

  • LISTED ON THE WALL STREET JOURNAL'S "MOST COMPETITIVE 30 YEAR RATES IN THE U.S.A." REPORT.
  • National lender with over 2 billion in closed loans
  • Specializes in Conventional, FHA, VA, USDA, Jumbo, Harp & Specialty Loan Programs
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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
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VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
  • Zero Down and Low Interest Rates
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Virginia Interest Rates as low as 2.63% (3.13APR)
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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 © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 3.625 0.556 417
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 3.75 0.271 417
BANK OF AMERICA HOME LOANS GA 770-510-4028 ALL GEORGIA 20 3.625 0.351 650
CAPITAL ONE BANK NY 212-967-9400 ALL NEW YORK 20 3.625 0 417
CITIBANK, FSB NY 718-472-3400 ALL NEW YORK 20 3.5 0.875 417
CITIBANK, FSB NY 718-472-3400 ALL NEW YORK 20 3.5 0.375 417
COMERICA MORTGAGE CORP MI 248-371-4500 ALL MICHIGAN 20 3.875 0 417
FIRST NIAGARA BANK CT 860-528-4800 ALL CONNECTICUT 20 3.625 0 417
KEY BANK IN 317-464-8008 ALL INDIANA 25 4.02 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 3.625 0 650
KEY BANK OF MAINE ME 207-776-7240 ALL MAINE 25 4.02 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 5 3.625 1 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.75 1 1000
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 3.625 0 417
PRINCETON MORTGAGE CORP NJ 609-737-1000 ALL NEW JERSEY,PA(BUCKS) 20 3.75 0 417
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 3.75 0 417
TALMER BANK & TRUST MI 810-385-2672 ALL MICHIGAN 20 3.75 0.4 417
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 20 3.75 0 650
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 3.875 0 750
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 4 0 417

 

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.