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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 Sep. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.30% 0.13 4.30%
15-Year Fixed 3.57% 0.12 3.57%
5/1 ARM 3.25% 0.11 3.25%
*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

  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Mortgage refinance rates in Virginia

4.250% Rate

30 Yr. Fixed

4.306% APR

$984 / month (est)

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Updated 9/19/2014

  • Find a mortgage right for you.
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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4.000% Rate

30 Yr. Fixed

4.165% APR

$955 / month (est)

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Updated 9/18/2014

  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
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4.125% Rate

30 Yr. Fixed

4.324% APR

$969 / month (est)

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Updated 9/18/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
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4.000% Rate

30 Yr. Fixed

4.082% APR

$955 / month (est)

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Updated 9/18/2014

  • Apply & Lock Rate 24/7!
  • View Good Faith Estimate Online 24/7!
  • All Lender & 3rd Party Fees Guaranteed, per Online GFE!
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4.125% Rate

30 Yr. Fixed

4.353% APR

$969 / month (est)

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Updated 9/18/2014

  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
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4.250% Rate

30 Yr. Fixed

4.290% APR

$984 / month (est)

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Updated 9/18/2014

  • DIRECT LENDER. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Virginia.
  • These rates won't last. Call now and lock-in your low rate!
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4.125% Rate

30 Yr. Fixed

4.291% APR

$969 / month (est)

Learn More

Updated 9/18/2014

  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Call Now

4.500% Rate

30 Yr. Fixed

4.750% APR

$1,013 / month (est)

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Updated 9/18/2014

  • 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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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 © 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 MD 410-752-7481 ALL MARYLAND,WASH DC,KY 20 4.125 0.759 417
BANK OF AMERICA VA 804-788-2121 RICHMOND METRO 20 4.25 0.251 650
BANK OF AMERICA MD 410-752-7481 ALL MARYLAND,WASH DC,KY 20 4.25 0.251 650
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 4.375 0 650
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 5 4.125 0 417
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 4.125 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 25 4.125 0 417
FULTON BANK PA 610-873-4740 ALL PENNSYLVANIA 25 4.125 0 650
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 4.75 0 417
HUDSON CITY SAVINGS BANK NY 914-698-6400 W.ROCKLAND,PUTNAM,DUTCHESS 20 4.875 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.25 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.375 0 650
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 4.125 0.75 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 5 4.375 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 3.875 0 417
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 4.1 1 417
SUPERIOR MORTGAGE COMPANY NY 845-928-2845 ALL NEW YORK,NJ,CT,PA 5 4.125 0 417
WELLS FARGO HOME MORTGAGE CO 303-464-7247 ALL COLORADO 20 4.375 0 650
WELLS FARGO HOME MORTGAGE NY 631-752-4848 ALL NEW YORK 20 4.125 1 1000
WELLS FARGO HOME MORTGAGE NY 631-752-4848 ALL NEW YORK 20 4.5 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.