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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. 26 - Oct. 03 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.23% 0.14 4.23%
15-Year Fixed 3.53% 0.09 3.53%
5/1 ARM 3.28% 0.08 3.28%
*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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  • Get a Low Refinance Quote in 30 Secs!
  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
  • No Harassing Calls, just One Bank!
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Mortgage refinance rates in Virginia

4.125% Rate

30 Yr. Fixed

4.181% APR

$969 / month (est)

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Updated 10/1/2014

  • Find a mortgage right for you.
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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3.875% Rate

30 Yr. Fixed

4.039% APR

$940 / month (est)

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Updated 10/1/2014

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
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4.125% Rate

30 Yr. Fixed

4.340% APR

$969 / month (est)

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Updated 10/1/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Call Now

4.125% Rate

30 Yr. Fixed

4.165% APR

$969 / month (est)

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Updated 10/1/2014

National LenderMember of BBBFHA Approved LenderOffers HARP LoansVA Approved Lender
  • 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

4.500% Rate

30 Yr. Fixed

4.750% APR

$1,013 / month (est)

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Updated 10/1/2014

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
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 4 0 650
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 4.125 0 417
BANK OF AMERICA CT 203-899-2551 ALL CONNECTICUT 20 4.125 0.274 417
BANK OF AMERICA HOME LOANS CA 415-436-5156 ALL CALIFORNIA 20 4.25 0.017 417
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 4.375 0.125 417
BBVA COMPASS BANK CA 858-451-0760 ALL CALIFORNIA 20 4.125 1 417
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.375 0 417
CHASE BANK WA 425-590-4030 SEATTLE METRO AREA 20 4.25 0 506
KEY BANK OH 800-422-2442 ALL OHIO 25 4.18 0 417
KEY BANK OH 513-345-8580 ALL OHIO 25 4.18 0 417
KEY BANK OF MAINE ME 207-776-7240 ALL MAINE 25 4.18 0 417
KEY BANK OF UTAH UT 801-236-3220 ALL UTAH 25 4.18 0 417
M & T BANK MD 301-251-3256 ALL MARYLAND 5 4.25 0 417
M & T BANK DE 302-472-3113 ALL DELAWARE 5 4.25 0 417
SANTANDER BANK CT 860-244-9958 ALL CONNECTICUT 20 3.99 0 1000
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 4.375 0 417
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 4.375 0 1500
VALLEY NATIONAL BANK NJ 973-305-8800 ALL NEW JERSEY,NY,PA 20 4 0 1000
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.25 0 750
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 4.125 0 750

 

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.