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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 Dec. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 3.96% 0.14 3.96%
15-Year Fixed 3.32% 0.12 3.32%
5/1 ARM 3.10% 0.12 3.10%
*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

 

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Mortgages from 2.50% (2.88% APR)
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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).

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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 OF AMERICA HOME LOANS GA 770-510-4028 ALL GEORGIA 20 3.75 0.177 417
BANK OF THE WEST CO 303-202-5521 ALL COLORADO 20 3.625 0.25 417
BBVA COMPASS BANK CA 858-451-0760 ALL CALIFORNIA 20 3.75 1 417
BEAR CREEK MORTGAGE CO 719-591-1111 ALL COLORADO 5 4 0 417
FIFTH THIRD BANK FL 813-306-2653 HILSBORO,PASCO,PINELLAS 20 3.875 0 417
ION BANK CT 203-729-5291 NEW HAVEN,LITCHFIELD 20 3.875 0 417
MOUNTAIN MORTGAGE CORP NJ 908-686-7722 ESSEX,MORRIS,BERGEN,UNION 20 3.75 0 1500
MOUNTAIN MORTGAGE CORP NJ 908-686-7722 ESSEX,MORRIS,BERGEN,UNION 5 3.75 0 417
PEOPLES UNITED BANK NY 631-265-7922 ALL NEW YORK 25 3.75 0 650
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 25 3.75 0 417
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 3.875 0 417
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 4.04 0 417
THIRD FEDERAL S&L OH 216-441-6000 ALL OHIO 20 4.04 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 4.125 0 650
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 3.875 0 417
US BANK WI 414-444-9408 ALL WISCONSIN 20 3.95 0 417
US BANK HOME MORTGAGE MO 314-206-2370 ALL MISSOURI 20 3.95 0 417
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.125 1 750
WELLS FARGO HOME MORTGAGE IL 312-274-4101 ALL ILLINOIS 20 3.75 1 650
WELLS FARGO HOME MORTGAGE NJ 877-282-2045 ALL NEW JERSEY 5 3.875 0 417

 

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.