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Current 15 Year Fixed Mortgage Rates

15-Year Fixed

Mortgage Rates for Jan. 04 - 11 , 2018*

Product Interest Rate Points National Average
30-Year Fixed 3.99% 0.50 3.99%
15-Year Fixed 3.44% 0.50 3.44%
5/1 ARM 3.46% 0.40 3.46%
*weekly rolling averages

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7/17 8/17 9/17 10/17 11/17 12/17 1/18
15-Year Fixed 3.24 3.17 3.11 3.20 3.29 3.39 3.41
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

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Mortgage Refinance rates in Virginia

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4.250% Rate

15 Yr. Fixed

4.359% APR

$2,275 / month (est)

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Updated 1/17/2018

  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
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3.375% Rate

15 Yr. Fixed

3.593% APR

$2,143 / month (est)

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Updated 1/17/2018

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  • $1,000 Best Rate Guarantee

3.250% Rate

15 Yr. Fixed

3.613% APR

$2,124 / month (est)

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Updated 1/17/2018

  • Get a free and no obligation rate quote in Virginia.
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  • Call now and lock-in your low rate!
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Find out if you are pre-approved for a mortgage
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
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Virginia Interest Rates as low as 2.5% (3.696APR)
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