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Current 5/1 Adjustable Rate Mortgage (ARM) rates

5/1-Year ARM

Mortgage Rates for Jan. 12 - 19 , 2017*

Product Interest Rate Points National Average
30-Year Fixed 4.09% 0.50 4.09%
15-Year Fixed 3.34% 0.50 3.34%
5/1 ARM 3.21% 0.40 3.21%
*weekly rolling averages

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7/16 8/16 9/16 10/16 11/16 12/16 1/17
5/1 ARM 2.78 2.75 2.81 2.83 2.99 3.23 3.26
Source: Freddie Mac
  • Rate changes: Fully variable, typically changing at one-year intervals; some have shorter change intervals
  • Benefits: Can have lowest interest rates, but qualification may not depend upon today's interest rate
  • Alternative Strategy: Consider Hybrid ARM to ameliorate rate and payment risks for a given period
  • Useful for: Purchasing or refinancing when interest rates are near top of cycle, and are likely to fall, or sale or refinance is anticipated within three years
  • Consider if: Buying or refinancing when income can handle frequent payment changes and worst-case scenario for rates over a four-year period
  • When shopping, ask about: A history of the index the loan is governed by, margin and caps

  • Fixed Mortgage Rates 3.20% APR
  • Lower Refinance Rates, 15yr Fixed
  • (3.20% APR)
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Mortgage Refinance rates in Virginia

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3.750% Rate

5/1 Yr. ARM

4.058% APR

$1,400 / month (est)

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Updated 1/23/2017

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3.750% Rate

5/1 Yr. ARM

4.058% APR

$1,400 / month (est)

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Updated 1/23/2017

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3.250% Rate

5/1 Yr. ARM

3.838% APR

$1,316 / month (est)

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Updated 1/23/2017

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