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Current 5/1 Year Adjustable Rate Mortgage (ARM) rates from lenders in the HSH editorial survey

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, these 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 © 2012 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % Adjustment
period
Term % down
Rate %
Points
Maximum Loan
$1,000
Index
ANCHOR BANK WI 414-290-7206 ALL WISCONSIN 5/1 30 20 2.75 0 417 1YT
ARUNDEL FEDERAL SAVINGS BANK MD 410-768-7800 ALL MARYLAND 5/1 30 10 3.25 0 417 LIBOR
CHASE HOME FINANCE NY 212-696-3190 ALL NEW YORK 5/1 30 10 3.25 0.125 417 LIBOR
CHASE HOME FINANCE PA 215-641-0900 ALL PENNSYLVANIA 5/1 30 20 3.375 0.125 650 LIBOR
GLENS FALLS NATIONAL BANK NY 518-793-4121 WARREN,ESSEX,WASH,SAR,GLEN 5/1 30 20 3.25 0 417 1YT
HEARTLAND MORTGAGE MO 800-344-0211 ST LOUIS,JEFFERSON,FRANKLIN 5/1 30 20 3 0 650 LIBOR
HOME TRUST COMPANY TX 972-612-4848 ALL TEXAS 5/1 30 5 3.875 1 417 1YT
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 5/1 30 20 2.75 0 417 LIBOR
TD BANK PA 215-443-5054 ALL PENNSYLVANIA,NJ,NY,DE 5/1 30 20 3.312 0 417 1YT
WELLS FARGO HOME MORTGAGE GA 678-742-3677 ALL GEORGIA 5/1 30 20 3.375 0 417 1YT

 

Be sure to see our other loan samples:
15-Year FRMs30-Year FRMs1-Year 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.

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Mortgage refinance rates in Virginia

2.875% Rate

5/1 Yr. ARM

3.131% APR

$830 / month (est)

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Updated 7/28/2014

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Daily US & International Rates Last update: 07/28/2014

Latest Yesterday Week Ago
Federal Funds Rate 0.09% 0.09% 0.09%
Discount Rate 0.75% 0.75% 0.75%
Overnight Libor (1 day delay) 0.09% 0.09% 0.09%
Freddie Mac 30/60 0.00% 3.00% 2.85%
Fannie Mae 30/60 3.82% 3.84% 3.83%
6 Month Libor (1 day delay) 0.33% 0.33% 0.33%
10 Year Treasury Security 2.52% 2.48% 2.56%
The Prime Rate 3.25% 3.25% 3.25%

Source: ARMindexes.com

Time Range: 6m 1y 2y 5y

30-Year-3-1-ARM
30-Year-5-1-ARM
30-Year-7-1-ARM

Mortgage Rates for Jul. 25 - Aug. 01 , 2014*

Product Interest Rate Points National Average
30 Year 3/1 ARM 2.74% 0.00 2.74%
30 Year 5/1 ARM 3.18% 0.10 3.18%
30 Year 7/1 ARM 3.28% 0.17 3.28%
*weekly rolling averages

Hide graph data
2/14 3/14 4/14 5/14 6/14 7/14 8/14
30-Year-3-1-ARM 2.98 3.00 3.06 2.99 2.91 2.93 2.74
30-Year-5-1-ARM 3.08 3.05 3.13 3.08 3.08 3.09 3.17
30-Year-7-1-ARM 3.40 3.38 3.44 3.37 3.34 3.32 3.28