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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 Jul. 24 - 31 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.12 4.05%
15-Year Fixed 3.36% 0.09 3.36%
5/1 ARM 3.05% 0.07 3.05%
*weekly rolling averages

Hide graph data
1/15 2/15 3/15 4/15 5/15 6/15 7/15
30-Year Fixed 3.89 3.85 3.91 3.79 3.91 4.05 4.13
  • 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, Find New Quotes
  • (2.80% APR)
www.ratezip.com
  • $200k Loan for Under $803/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
www.guidetolenders.com

Mortgage Refinance rates in Virginia

4.180% Rate

30 Yr. Fixed

4.404% APR

$976 / month (est)

Learn More

Updated 8/4/2015

  • 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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VA Loans For Veterans
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok
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Personal Loans - Rates Starting as Low as 5.99% APR
  • Free Quotes for Loans from $5,000 to $35,000.
  • Get Multiple Personal Loan Quotes in Minutes!
  • Quotes Are Real-Time and Custom For You.
  • You Don't Need Equity in Your Home to Qualify.
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Other lenders for Mortgage Refinance of $200,000 in Virginia

3.750% Rate

30 Yr. Fixed

3.975% APR

$926 / month (est)

Updated 8/3/2015

  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

Updated 7/31/2015

  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee

3.500% Rate

30 Yr. Fixed

3.687% APR

$898 / month (est)

Updated 8/3/2015

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

3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

Updated 7/31/2015

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

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
ANCHOR BANK WI 414-290-7206 ALL WISCONSIN 20 3.85 0 417
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 4 0.116 1000
BANK OF AMERICA HOME LOANS MA 781-932-7149 ALL MASSACHUSETTS,NH,CT,RI 20 4 0.111 417
BBVA COMPASS BANK TX 713-966-2383 ALL TEXAS 20 4.25 1 1000
CHASE BANK CO 303-759-1411 ALL COLORADO 20 3.875 0.125 417
CITIZENS BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.125 0 417
FIRST NATIONAL BANK OF PITTSBU MD 443-948-5634 BALTIMORE 20 4 0.25 417
GLENS FALLS NATIONAL BANK NY 518-793-4121 WARREN,ESSEX,WASH,SAR,GLEN 20 4.125 0 417
PREMIER BANK MN 651-777-7700 ALL MINNESOTA 20 3.875 1 417
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 3.99 0.25 417
SUNTRUST MORTGAGE MD 410-828-5700 ARUNDEL,BALTIMORE,DC,NO.VA 20 3.99 1.35 1000
TCF NATIONAL BANK MN 612-823-2265 ALL MINNESOTA 20 4.25 0 417
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 20 4.132 0 417
TD BANK CT 860-827-2594 ALL CONNECTICUT 20 4.132 0 417
THIRD FEDERAL S&L OH 216-441-6000 ALL OHIO 20 4.24 0 417
THIRD FEDERAL SAVINGS FL 813-289-3671 ALL FLORIDA 20 4.7 0 417
US BANK HOME MORTGAGE OH 216-475-8707 ALL OHIO 20 4 0 500
WELLS FARGO BANK CA 858-459-4217 ALL CALIFORNIA 20 4.125 0 750
WELLS FARGO HOME MORTGAGE FL 904-281-9181 ALL FLORIDA 20 4.125 0 750
WELLS FARGO HOME MORTGAGE GA 678-742-3677 ALL GEORGIA 20 4 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.