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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. 19 - 26 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.55% 0.17 3.55%
15-Year Fixed 2.97% 0.15 2.97%
5/1 ARM 2.88% 0.15 2.88%
*weekly rolling averages

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2/16 3/16 4/16 5/16 6/16 7/16 8/16
30-Year Fixed 3.75 3.77 3.73 3.70 3.70 3.56 3.55
  • 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, 15yr Fixed
  • (2.65% APR)
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Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.592% APR

$1,337 / month (est)

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Updated 8/29/2016

Member of BBBLow FeesVA Approved LenderFHA Approved LenderOffers HARP Loans
  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
  • Credible: FDIC Insured Bank, A+ rating with Better Business Bureau. NMLS 424182
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3.500% Rate

30 Yr. Fixed

3.642% APR

$1,358 / month (est)

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Updated 8/26/2016

National LenderFHA Approved LenderVA Approved LenderMember of BBBLow Fees
  • Direct Lender. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Virginia.
  • These rates won't last. Call now and lock-in your low rate!
Call Now

3.250% Rate

30 Yr. Fixed

3.359% APR

$1,316 / month (est)

Learn More

Updated 8/26/2016

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
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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
Learn More
VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
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 © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
B B & T PA 215-968-4444 BUCKS,MONTGMRY,PHILA,CHESTR 20 3.5 0 750
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 3.5 0.596 1000
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 3.375 0.808 417
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 3.625 0.25 650
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 5 3.625 0 417
BMO HARRIS BANK MO 314-621-0000 ALL MISSOURI 20 3.5 0.125 417
CAPITAL ONE BANK NY 212-967-9400 ALL NEW YORK 20 3.5 0 417
CHASE BANK AZ 520-792-7238 ALL ARIZONA 20 3.5 0.125 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 4.25 0 1500
GIBRALTAR SAVINGS BANK NJ 973-515-0885 ALL NEW JERSEY 10 3.875 0 417
HOWARD HANNA FINANCIAL SVCS PA 412-967-9000 WESTERN PENNSYLVANIA 20 3.375 0 417
JOHNSON BANK WI 414-304-7000 ALL WISCONSIN 20 3.5 0 417
KEY BANK IN 317-464-8008 ALL INDIANA 25 3.5 0 650
KEY BANK OF VERMONT VT 802-660-4170 ALL VERMONT 25 3.75 0 417
PRESIDENTIAL BANK MORTGAGE MD 301-590-8911 WASHINGTON DC METRO 20 3.625 0 625
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 3.25 0 417
SUNTRUST MORTGAGE VA 804-281-3705 RICHMOND METRO 10 3.25 1 417
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 20 4.5 0 1000
US BANK OR 503-944-4040 ALL OREGON 20 3.625 0 1000
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 3.5 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.