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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 Oct. 17 - 24 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.01% 0.15 4.01%
15-Year Fixed 3.30% 0.16 3.30%
5/1 ARM 3.04% 0.16 3.04%
*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

 

Mortgage refinance rates in Virginia

3.875% Rate

30 Yr. Fixed

3.930% APR

$940 / month (est)

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Updated 10/17/2014

  • Find a mortgage right for you.
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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3.750% Rate

30 Yr. Fixed

3.932% APR

$926 / month (est)

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Updated 10/20/2014

  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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4.180% Rate

30 Yr. Fixed

4.415% APR

$976 / month (est)

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Updated 10/20/2014

  • 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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Mortgages from 2.75% (2.96% APR)
  • $200k Loan for Under $816/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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
BANK MUTUAL MN 651-735-5500 ALL MINNESOTA 20 3.7 1 417
BANK MUTUAL MN 651-735-5500 ALL MINNESOTA 20 4.4 0 1000
BANK OF AMERICA HOME LOANS CA 310-434-1867 ALL CALIFORNIA 20 4 0 625
BANK OF AMERICA MORTGAGE TX 214-559-6400 ALL TEXAS 20 3.875 0.292 650
BBVA COMPASS BANK FL 904-564-8040 ALL FLORIDA 20 3.875 1 417
CHASE HOME FINANCE CT 203-861-7379 ALL CONNECTICUT 20 3.875 0.375 1000
CHASE HOME FINANCE PA 215-641-0900 ALL PENNSYLVANIA 20 4.375 0.5 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 3.625 0.75 700
FIRST AMERICAN BANK IL 847-520-8088 CHICAGO METRO 25 4 0 417
GUARDIAN MORTGAGE COMPANY TX 817-261-7235 ALL TEXAS 20 4 0 417
KEY BANK NY 845-365-4816 ALL NEW YORK 25 4.02 0 417
MB FINANCIAL BANK IL 312-633-0310 ALL ILLINOIS 20 4.25 0 417
PREMIER BANK MN 651-777-7700 ALL MINNESOTA 20 3.75 1 417
SCHOOLSFIRST FCU CA 714-258-4000 ALL CALIFORNIA 20 4 0 1000
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 20 4.25 0 625
UNION BANK OR 503-225-3636 ALL OREGON 20 3.875 0 417
UNION BANK WA 425-356-2150 SEATTLE METRO 20 3.875 0 417
WELLS FARGO HOME MORTGAGE CT 203-876-3800 ALL CONNECTICUT 20 4.125 0 417
WELLS FARGO HOME MORTGAGE CA 949-253-4306 ALL CALIFORNIA 20 3.875 1 1000
WELLS FARGO HOME MORTGAGE CA 949-253-4306 ALL CALIFORNIA 20 4.125 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.