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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 Feb. 05 - 12 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.71% 0.13 3.71%
15-Year Fixed 3.14% 0.10 3.14%
5/1 ARM 2.89% 0.08 2.89%
*weekly rolling averages

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8/15 9/15 10/15 11/15 12/15 1/16 2/16
30-Year Fixed 4.00 3.98 3.90 3.99 4.01 4.02 3.77
  • 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

  • No appraisal fees or closing costs (2)
  • Low interest rates
  • Flexibility to use your funds when you need them
  • Keep More Money in Your Pocket
  • The Low Rates won't be here forever
  • It's Fast & Easy to Compare Rates. Get Quotes Now!

Mortgage Refinance rates in Virginia

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4.050% Rate

30 Yr. Fixed

4.253% APR

$1,452 / month (est)

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Updated 2/11/2016

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3.250% Rate

30 Yr. Fixed

3.402% APR

$1,316 / month (est)

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Updated 2/12/2016

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3.375% Rate

30 Yr. Fixed

3.494% APR

$1,337 / month (est)

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Updated 2/11/2016

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Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
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Personal loans - borrow up to $35,000; rates starting at 5.99%
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Refinance Rates From 2.875% (3.04% APR)
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RateZip
  • Fixed Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.78% 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).

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 3.625 0.042 1000
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 3.5 0.558 417
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 3.625 0.054 650
BANK OF TEXAS MORTGAGE TX 214-346-3970 ALL TEXAS 20 3.875 0.125 1500
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 3.5 0 650
CAPITAL ONE BANK HOME LOANS MD 301-310-5054 SOUTH MD,WASH DC,NORTH VA 10 3.5 0 2500
CAPITAL ONE BANK HOME LOANS MD 301-310-5054 SOUTH MD,WASH DC,NORTH VA 10 3.5 0 625
CONNECTICUT FINANCIAL MORTGAGE CT 203-325-2215 ALL CONNECTICUT 20 4.25 0 1000
GSL SAVINGS BANK NJ 201-869-9300 ALL NEW JERSEY 20 4 0 417
JOHNSON BANK WI 414-304-7000 ALL WISCONSIN 20 4 0 650
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 3.65 0 417
PYRAMAX BANK WI 414-645-5962 ALL WISCONSIN 20 3.5 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 20 3.75 0 650
SALISBURY BANK & TRUST CT 860-435-9801 LTCHFD CT,DTCHS NY,BERKS MA 20 3.625 0 417
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.75 0 417
UNIVERSAL LENDING CORP CO 303-758-4969 ALL COLORADO 5 3.625 0 417
US BANK OR 503-944-4040 ALL OREGON 20 3.625 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 20 3.75 0 650
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 3.5 0 417
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 3.625 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.