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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. 21 - 28 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.89% 0.12 3.89%
15-Year Fixed 3.23% 0.11 3.23%
5/1 ARM 2.90% 0.08 2.90%
*weekly rolling averages

Hide graph data
2/15 3/15 4/15 5/15 6/15 7/15 8/15
30-Year Fixed 3.85 3.91 3.79 3.91 4.05 4.13 4.00
  • 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
  • Free Quotes for Loans from $5,000 to $35,000.
  • Get Multiple Personal Loan Quotes in Minutes!
  • Quotes Are Real-Time and Custom For You.
  • You Don't Need Equity in Your Home to Qualify.
www.guidetolenders.com

Mortgage Refinance rates in Virginia

Matching Lender Ads

4.250% Rate

30 Yr. Fixed

4.475% APR

$984 / month (est)

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Updated 9/2/2015

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  • 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 2.5% (2.92% APR)
  • $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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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
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Other lenders for Mortgage Refinance of $200,000 in Virginia

4.000% Rate

30 Yr. Fixed

4.227% APR

$955 / month (est)

Updated 8/28/2015

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

3.625% Rate

30 Yr. Fixed

3.828% APR

$912 / month (est)

Updated 8/28/2015

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3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

Updated 8/28/2015

  • 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
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 4 0.064 417
BANK OF AMERICA MORTGAGE NY 914-397-286 ALL NEW YORK 20 3.875 0.759 417
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 10 4 0 650
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 3.75 0 750
HUDSON CITY SAVINGS BANK NY 631-765-4019 ALL NEW YORK 20 4.375 0 417
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 4.25 0 625
KEY BANK IN 317-464-8008 ALL INDIANA 25 4.25 0 650
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 4.25 0 650
M & T BANK MORTGAGE DIVISION WA 206-938-0664 ALL WASHINGTON 5 3.875 1 417
MAGYAR SAVINGS BANK, SLA NJ 732-342-7600 MIDDLESEX,SOMERSET,MONMOUTH 20 3.875 0 417
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 4 0 1500
SUNTRUST BANK FL 407-850-6103 ALL FLORIDA 20 4.125 0 650
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 4.125 0 1000
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 4.125 0 417
UNION BANK CA 213-236-7700 ALL CALIFORNIA 20 4 0.125 417
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 4 0 417
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 10 3.75 0 417
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 20 3.875 0 650
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4 0 750
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 4.125 0 575

 

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.