Current 15 Year Fixed Mortgage Rates
15 year mortgage rates chart
15-Year Fixed
Mortgage Rates for Nov. 08 - 15 , 2018*
| Product | Interest Rate | Points | National Average |
| 30-Year Fixed | 4.94% | 0.50 | 4.94% |
| 15-Year Fixed | 4.36% | 0.40 | 4.36% |
| 5/1 ARM | 4.14% | 0.30 | 4.14% |
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Source: Freddie Mac
- Rate changes: Never; fully fixed for entire term
- Benefits: Stable payments; builds equity faster; lower total interest costs than 30-year term
- Alternative Strategy: Consider 30-year term and prepaying loan to preserve cash-flow flexibility
- Useful for: Refinancing to lower total interest cost; retiring mortgage more quickly; building or rebuilding equity more quickly
- Consider if: Buying second home; refinancing to build equity; paying off mortgage before life event (retirement, etc)
- When shopping, ask about: If 15-year term makes the payment too high, whether 20-year term is available
Here are 15 Year Mortgage Rates
- LoanDepot, LLC: 5.250;% Rate (5.294% APR), $1,232/ month (est)
- Quicken Loans: 4.750;% Rate (4.910% APR), $1,193/ month (est)
- CloseYourOwnLoan.com: 3.500;% Rate (3.937% APR), $1,072/ month (est)
HARP 2.0 Refinance Loan 3.3% FIXED
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harp-2.org/refinance
Virginia Homeowners: Don't Waste Time! Get Low Fixed Rate Here 3.75%APR
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- 3.75% APR
- Fixed Rate 15yr
rates.ratezip.com