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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 Jan. 23 - 30 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.81% 0.17 3.81%
15-Year Fixed 3.23% 0.12 3.23%
5/1 ARM 3.08% 0.09 3.08%
*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

 

Mortgage refinance rates in Virginia

3.625% Rate

30 Yr. Fixed

3.679% APR

$912 / month (est)

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Updated 1/29/2015

  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.
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3.500% Rate

30 Yr. Fixed

3.660% APR

$898 / month (est)

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Updated 1/29/2015

  • 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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3.250% Rate

30 Yr. Fixed

3.425% APR

$870 / month (est)

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Updated 1/28/2015

  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
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3.250% Rate

30 Yr. Fixed

3.466% APR

$870 / month (est)

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Updated 1/29/2015

  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
Call Now

3.500% Rate

30 Yr. Fixed

3.700% APR

$898 / month (est)

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Updated 1/29/2015

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

Mortgages from 2.50% (2.88% APR)
  • $200k Loan for Under $790/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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 MORTGAGE NY 914-397-286 ALL NEW YORK 20 3.625 0.451 417
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 3.75 0.375 650
BANK OF THE WEST CA 415-796-9623 ALL CALIFORNIA 20 3.625 0 625
BEDROCK LENDING TX 866-445-3765 ALL TEXAS 20 3.375 0 417
CAPITAL ONE BANK HOME LOANS MD 301-939-5311 SOUTH MD,WASH DC,NORTH VA 10 3.625 0 517
CENTURY BANK & TRUST MA 617-557-2950 ALL MASSACHUSETTS 20 3.625 0 417
CHASE BANK MA 800-692-8300 ALL MASSACHUSETTS,NH,RI,ME 20 4 1.75 1000
EVERGREEN HOME LOANS WA 206-938-8900 ALL WASHINGTON,CA,OR,ID 20 4 1 517
FAIRFIELD COUNTY BANK CORP CT 203-438-6518 ALL CONNECTICUT 25 3.75 0 750
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 4.75 0 417
HUDSON CITY SAVINGS BANK NJ 201-967-1900 ALL NEW JERSEY 20 4.75 0 625
HUDSON CITY SAVINGS BANK CT 203-862-8400 ALL CONNECTICUT 20 4.75 0 625
HUDSON CITY SAVINGS BANK NY 914-698-6400 W.ROCKLAND,PUTNAM,DUTCHESS 20 4.875 0 625
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 3.875 0 625
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 4.25 0 417
TCF BANK WISCONSIN, FSB WI 414-471-8500 ALL WISCONSIN 20 4.375 0 750
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 3.875 0 1000
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 3.74 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 3.75 0 417
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.125 0 750

 

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.