Augusta, GA Mortgage Rates and Refinance Rates

Augusta, Georgia Mortgage Rates - Refinance Rates

Augusta, GA: Search and compare mortgage rates and refinance rates in Augusta, GA. Our rate table has a list of Augusta, Georgia mortgage interest rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. When you start your search for current mortgage rates you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Augusta, GA include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Augusta, GA listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 30301, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Pentagon Federal Credit Union Logo
at 0.000 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 24020
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $295
 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $1,495
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 24020
at 1.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
Next button
Pentagon Federal Credit Union Logo
at 1.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 24020
at 2.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,950
 
 
Next button

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Augusta, GA Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Georgia. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Augusta, GA mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Augusta, GA mortgage loans that have been made. As a result, Augusta, GA mortgage rates today are lower than jumbo interest rates in Augusta, GA. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Augusta, GA Super Conforming Home Loan Rates

Super conforming mortgages in Augusta, GA are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Augusta, GA Jumbo Loan Interest Rates

Augusta, GA jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Augusta, GA are usually 0.75 basis points higher than conforming interest rates in Augusta, GA because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Augusta, GA Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Augusta, GA. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Augusta, GA Adjustable Interest Rates

Augusta, GA adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Augusta, GA Interest Only Home Mortgage Rates

Augusta, GA interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Augusta, GA FHA Mortgage Mortgage Rates

Borrowers in Augusta, GA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Augusta, GA are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Augusta, GA Rates & Resources


Augusta FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 1450 Walton Way, Augusta, GA 30901

Bank of America, National Association

3510 1749 Gordon Highway, Augusta, GA 30904

Bank of America, National Association

3510 2820 Peach Orchard Road, Augusta, GA 30906

Bank of America, National Association

3510 2853 Washington Road, Augusta, GA 30909

Bank of America, National Association

3510 3507 Wheeler Road, Augusta, GA 30909

Capitol City Bank & Trust Company

33938 1268 Broad Street, Augusta, GA 30901

Fifth Third Bank

6672 2756 Peach Orchard Road, Augusta, GA 30906

Fifth Third Bank

6672 3007 Pine Needle Road, Augusta, GA 30909

First Bank of Georgia

27423 1580 Walton Way, Augusta, GA 30904

First Bank of Georgia

27423 2805 Wrightsboro Road, Augusta, GA 30909

First Bank of Georgia

27423 3527 Wheeler Road, Augusta, GA 30909

First Citizens Bank and Trust Company, Inc.

15504 3602 Walton Way Extension, Augusta, GA 30909

First Citizens Bank and Trust Company, Inc.

15504 4065 Columbia Road, Augusta, GA 30907

Georgia Bank & Trust Company of Augusta

27574 1530 Walton Way, Augusta, GA 30904

Georgia Bank & Trust Company of Augusta

27574 3111 Peach Orchard Road, Augusta, GA 30906

Georgia Bank & Trust Company of Augusta

27574 3133 Washington Road, Augusta, GA 30907

Georgia Bank & Trust Company of Augusta

27574 32 Eighth Street, Augusta, GA 30901

Georgia Bank & Trust Company of Augusta

27574 3530 Wheeler Road, Augusta, GA 30909

Queensborough National Bank & Trust Company

2138 1450 Greene Street, Suite 150, Augusta, GA 30901

Queensborough National Bank & Trust Company

2138 3617 Walton Way Extension, Augusta, GA 30909

Regions Bank

12368 1219 Augusta West Parkway, Augusta, GA 30909

Regions Bank

12368 2507 Peach Orchard Road, Augusta, GA 30906

SunTrust Bank

867 1602 Walton Way, Augusta, GA 30904

SunTrust Bank

867 2815 Wrightsboro Road, Augusta, GA 30909

SunTrust Bank

867 2901 Washington Road, Augusta, GA 30909

SunTrust Bank

867 3456 Wrightsboro Road, Augusta, GA 30909

SunTrust Bank

867 801 Broad Street, Augusta, GA 30901

Synovus Bank

873 3706 Wheeler Rd, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 1478 Walton Way, Augusta, GA 30901

Wells Fargo Bank, National Association

3511 1751 Gordon Highway, Augusta, GA 30904

Wells Fargo Bank, National Association

3511 2803 Wrightsboro Rd, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 2835 Washington Road, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 3115 Peach Orchard Road, Augusta, GA 30906

Wells Fargo Bank, National Association

3511 3430 Wrightsboro Road, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 3535 Wheeler Road, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 3633 Wheeler Road, Suite 380, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 3645 Wheeler Road, Augusta, GA 30909

Wells Fargo Bank, National Association

3511 699 Broad Street, Augusta, GA 30901