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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 Jul. 15 - 22 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.58% 0.17 3.58%
15-Year Fixed 2.99% 0.15 2.99%
5/1 ARM 2.89% 0.14 2.89%
*weekly rolling averages

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1/16 2/16 3/16 4/16 5/16 6/16 7/16
30-Year Fixed 4.02 3.75 3.77 3.73 3.70 3.70 3.56
  • 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

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Mortgage Refinance rates in Virginia

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3.875% Rate

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4.137% APR

$1,422 / month (est)

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Updated 7/26/2016

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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 © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
ASSOCIATED BANK MN 952-591-2865 ALL MINNESOTA 10 3.75 0 417
BREMER BANK MN 651-770-8441 ALL MINNESOTA 20 3.375 1 417
CAMBRIDGE SAVINGS BANK MA 617-441-4155 ALL MASSACHUSETTS 20 3.625 0 417
CAPITAL BANK NC 919-645-6449 ALL NORTH CAROLINA 20 3.625 0 417
CHASE BANK FL 561-640-4521 ALL FLORIDA 20 3.375 1.125 417
CITIZENS BANK VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.75 0 417
CITIZENS BANK NH 603-634-7090 ALL NEW HAMPSHIRE,ME 20 3.75 0 417
CITIZENS INDEPENDENT BANK MN 952-935-3333 ALL MINNESOTA 20 3.375 0 417
CROSS COUNTY SAVINGS BANK NY 718-651-4600 5 BOROUGHS 20 5 1 750
EASTERN BANK MA 800-327-8376 ALL MASSACHUSETTS 20 3.625 0 417
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 3.625 0 1500
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 3.375 0 417
FIRST FINANCIAL NORTHWEST BANK WA 425-255-4400 KING,SNOHOMISH,PIERCE 20 4 1 417
SANTANDER BANK NJ 609-924-4498 ALL NEW JERSEY 20 3.5 0 1000
SUNTRUST MORTGAGE MD 410-828-5700 ARUNDEL,BALTIMORE,DC,NO.VA 20 3.6 0.131 417
TD BANK NY 518-761-7385 NORTHEAST NEW YORK 25 3.375 0 1000
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 25 3.375 0 1000
TRI CITY NATIONAL WI 414-761-1610 SOUTHEAST WISCONSIN 20 3.25 0 417
WELLS FARGO HOME MORTGAGE MA 508-616-1000 ALL MASSACHUSETTS 20 3.75 0 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 3.875 0 650

 

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.