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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. 09 - 16 , 2016*

Product Interest Rate Points National Average
30-Year Fixed 3.61% 0.16 3.61%
15-Year Fixed 3.00% 0.16 3.00%
5/1 ARM 2.95% 0.15 2.95%
*weekly rolling averages

Hide graph data
3/16 4/16 5/16 6/16 7/16 8/16 9/16
30-Year Fixed 3.77 3.73 3.70 3.70 3.56 3.55 3.58
  • 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, 15yr Fixed
  • (2.65% APR)
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Mortgage Refinance rates in Virginia

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3.375% Rate

30 Yr. Fixed

3.576% APR

$1,337 / month (est)

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Updated 9/30/2016

  • 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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3.625% Rate

30 Yr. Fixed

3.866% APR

$1,379 / month (est)

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Updated 9/30/2016

  • We close our loans FAST - many in 30 days or less!
  • Rates are still incredibly 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 tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
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VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
  • Zero Down and Low Interest Rates
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VA Loans for Virginia Veterans
  • Check your 2016 VA Home Loan Eligibility Here!
  • VA Loans = No Mortgage Insurance
  • Active or Retired VA Programs Available
Learn More

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
BOGOTA SAVINGS BANK NJ 201-862-1179 NORTHERN & CENTRAL NJ 20 3.5 0 417
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 10 3.5 0 417
CONVEYANCE MORTGAGE NJ 609-936-0296 ALL NEW JERSEY,PA 10 3.375 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 25 3.5 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 20 3.625 0 600
GLEN ROCK SAVINGS BANK NJ 973-636-5888 NORTHERN NEW JERSEY 20 3.5 0 1500
GLEN ROCK SAVINGS BANK NJ 973-636-5888 NORTHERN NEW JERSEY 20 3.5 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 4.7 0 650
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 20 4.7 0 650
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 25 3.875 0 750
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 3.5 0 417
NORTHWEST SAVINGS BANK NY 716-631-8766 ALL NEW YORK 20 3.375 0 417
SALISBURY BANK & TRUST CT 860-435-9801 LTCHFD CT,DTCHS NY,BERKS MA 20 3.5 0 417
STURDY SAVINGS BANK NJ 609-463-5206 CAPE MAY 20 3.75 0 417
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.75 0 1500
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.625 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.875 0 500
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 3.75 0 417
WELLS FARGO HOME MORTGAGE MA 508-616-1000 ALL MASSACHUSETTS 11 4.125 0 1000
WELLS FARGO HOME MORTGAGE MA 508-616-1000 ALL MASSACHUSETTS 20 3.625 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.