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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 Jun. 26 - Jul. 03 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.12% 0.19 4.12%
15-Year Fixed 3.42% 0.14 3.42%
5/1 ARM 3.05% 0.10 3.05%
*weekly rolling averages

Hide graph data
12/14 1/15 2/15 3/15 4/15 5/15 6/15
30-Year Fixed 4.02 3.89 3.85 3.91 3.79 3.91 4.05
  • 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, Find New Quotes
  • (2.80% APR)
www.ratezip.com
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
www.varatelock.com

Mortgage Refinance rates in Virginia

3.750% Rate

30 Yr. Fixed

3.912% APR

$926 / month (est)

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Updated 7/2/2015

  • Learn how we transformed home lending into an enjoyable experience.
  • You're updated every step of the way. No surprises.
  • NMLS ID# 66247 (ww.nmlsconsumeraccess.org), Arizona Mortgage Banker License No. 0925883
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4.375% Rate

30 Yr. Fixed

4.602% APR

$999 / month (est)

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Updated 7/2/2015

  • 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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Mortgage Rates From 2.88% (3.05% APR)
  • $200k Loan for Under $830/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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Other lenders for Mortgage Refinance of $200,000 in Virginia

3.875% Rate

30 Yr. Fixed

4.143% APR

$940 / month (est)

Updated 7/1/2015

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.

3.875% Rate

30 Yr. Fixed

4.039% APR

$940 / month (est)

Updated 7/1/2015

  • Apply Online 24/7
  • Prequalify in Minutes
  • FDIC Insured Bank

3.875% Rate

30 Yr. Fixed

3.965% APR

$940 / month (est)

Updated 7/1/2015

  • Guaranteed Lender Fees/No Surprises
  • Personal Loan Advisor from Start to Finish
  • Quick Turn-Times

4.000% Rate

30 Yr. Fixed

4.227% APR

$955 / month (est)

Updated 7/1/2015

  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee

3.750% Rate

30 Yr. Fixed

3.975% APR

$926 / month (est)

Updated 7/1/2015

  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

Updated 7/1/2015

  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30

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 © 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ANCHOR BANK WI 608-252-8800 ALL WISCONSIN 5 4.05 0 417
ASSURED MORTGAGE, INC WI 262-796-0662 MILWAUKEE METRO 20 4 0 417
BANK OF AMERICA HOME LOANS GA 770-510-4028 ALL GEORGIA 20 4 0.24 650
BANK OF AMERICA HOME LOANS GA 770-510-4028 ALL GEORGIA 20 4.125 0.414 417
BANNER BANK WA 509-892-4673 ALL WASHINGTON 20 4.125 0.25 417
FIRST SAVINGS BANK NORTHWEST WA 425-255-4400 KING,SNOHOMISH,PIERCE 20 4.25 1 417
GREEN TREE SERVICING PA 877-941-4622 ALL PENNSYLVANIA 20 4.25 0 417
NATIONAL BANK OF ARIZONA AZ 520-219-1218 ALL ARIZONA 20 4.25 0 1000
PNC MORTGAGE CA 916-771-4024 ALL CALIFORNIA 20 4.25 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 5 4.25 0 417
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 4.25 0.75 417
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 4.1 0 417
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 20 4.5 0 625
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 4.375 0 417
US BANK OR 503-944-4040 ALL OREGON 20 4.125 0 1000
US BANK CA 415-575-2800 ALL CALIFORNIA 20 4.25 0 417
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 4.25 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 3.99 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 20 4.125 0 650
WELLS FARGO HOME MORTGAGE NY 631-752-4849 ALL NEW YORK 20 3.625 1 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.