Compare 15-year refinance rates

A 15-year mortgage, popular for refinancing, saves money in the long run because you pay less in total interest than on a 30-year loan. Find and compare current 15-year refinance mortgage rates from lenders in your area.

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INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

How to shop for current 15-year mortgage rates

NerdWallet’s mortgage rate tool can help you find competitive 15-year fixed mortgage rates. In the "Refine results" section, enter a few details about the loan you’re looking for, and you’ll get a personalized rate quote in minutes, without providing any personal information. From there, you can start the process to get preapproved for your home loan. It’s that easy.

What is a 15-year fixed-rate mortgage?

A 15-year fixed-rate mortgage maintains the same interest rate and monthly payment (excluding changes in taxes and fees) over the 15-year loan period. The 15-year fixed-rate mortgage allows the borrower to pay off the mortgage faster and typically has a low interest rate. But monthly payments are usually higher than with other, longer-term mortgages.

When should you consider a 15-year fixed-rate mortgage?

The main draws of 15-year fixed-rate loans are their lower interest rates and the fact that they’ll be paid off more quickly. Like any fixed-rate loan, they also offer stability; the monthly payment won’t change no matter what happens to inflation or market interest rates.

But the monthly payment will be much higher than that of a 30-year loan for the same property due to the shorter term, and that will make it harder to qualify for the loan.

Learn more about 15-Year fixed-rate loans: