Chattanooga, TN Mortgage Rates and Refinance Rates

Chattanooga, Tennessee Mortgage Rates - Refinance Rates

Chattanooga, TN: Search and compare mortgage rates and refinance rates in Chattanooga, TN. Our rate table has a list of Chattanooga, Tennessee 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 or mortgage refinance rates you need to first have an understanding of the types of mortgages available and the corresponding interest rates. Types of mortgages interest rates and refinance mortgage rates available in Chattanooga, TN 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 Chattanooga, TN listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 37201, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Sebonic Financial Logo
NMLS # 66247
(877) 661-8303
at 1.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
at 0.500 pts
40 day lock rate
Est payment: $1,405.34
Fees in APR: $1,750
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # No.4318
at 1.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $295
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
(877) 661-8303
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
at 0.000 pts
40 day lock rate
Est payment: $1,417.52
Fees in APR: $1,750
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # No.4318
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
(877) 661-8303
at 2.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # No.4318
at 2.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,950
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
at 1.750 pts
40 day lock rate
Est payment: $1,381.16
Fees in APR: $1,750
 
 
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.





Chattanooga, TN 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 Tennessee. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Chattanooga, TN 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 Chattanooga, TN mortgage loans that have been made. As a result, Chattanooga, TN mortgage rates today are lower than jumbo interest rates in Chattanooga, TN. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Chattanooga, TN Super Conforming Home Loan Rates

Super conforming mortgages in Chattanooga, TN 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.

Chattanooga, TN Jumbo Loan Interest Rates

Chattanooga, TN 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 Chattanooga, TN are usually 0.75 basis points higher than conforming interest rates in Chattanooga, TN because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Chattanooga, TN Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Chattanooga, TN. 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.

Chattanooga, TN Adjustable Interest Rates

Chattanooga, TN 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.

Chattanooga, TN Interest Only Home Mortgage Rates

Chattanooga, TN 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.

Chattanooga, TN FHA Mortgage Mortgage Rates

Borrowers in Chattanooga, TN must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Chattanooga, TN 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 Chattanooga, TN Rates & Resources


Chattanooga FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 2126 Gunbarrel Road, Chattanooga, TN 37421

Bank of America, National Association

3510 3520 Tennessee Avenue, Chattanooga, TN 37407

Bank of America, National Association

3510 4409 Oakwood Drive, Chattanooga, TN 37416

Bank of America, National Association

3510 633 Chestnut Street, Chattanooga, TN 37450

Branch Banking and Trust Company

9846 2120 Gunbarrel Rd, Chattanooga, TN 37421

Branch Banking and Trust Company

9846 721 Broad Street, Chattanooga, TN 37402

CapitalMark Bank & Trust

58507 801 Broad Street, Chattanooga, TN 37402

Community Trust & Banking Company

35138 8041 East Brainerd Road, Chattanooga, TN 37411

Cornerstone Community Bank

26256 2280 Gunbarrel Road, Chattanooga, TN 37421

Cornerstone Community Bank

26256 835 Georgia Avenue, Chattanooga, TN 37401

First Bank

8663 103 Cherokee Boulevard, Suite 2-A, Chattanooga, TN 37405

First Bank

8663 2021 Hamilton Place Boulevard, Suite A, Chattanooga, TN 37421

First Bank

8663 401 Chestnut Street, Chattanooga, TN 37402

First Tennessee Bank, National Association

4977 1 Cherokee Boulevard, Chattanooga, TN 37405

First Tennessee Bank, National Association

4977 12 Northgate Park, Hixson Pike, Chattanooga, TN 37415

First Tennessee Bank, National Association

4977 1350 Broad Street, Chattanooga, TN 37402

First Tennessee Bank, National Association

4977 2001 East Twenty-Third Street, Chattanooga, TN 37404

First Tennessee Bank, National Association

4977 2221 Hamilton Place Boulevard, Chattanooga, TN 37421

First Tennessee Bank, National Association

4977 3602 Brainerd Boulevard, Chattanooga, TN 37411

First Tennessee Bank, National Association

4977 3604 Tennessee Ave, Chattanooga, TN 37409

First Tennessee Bank, National Association

4977 4430 Highway 58, Chattanooga, TN 37416

First Tennessee Bank, National Association

4977 5526 Brainerd Road, Chattanooga, TN 37411

First Tennessee Bank, National Association

4977 5914 Highway 58, Chattanooga, TN 37416

First Tennessee Bank, National Association

4977 6050 Shallowford Road, Chattanooga, TN 37421

First Tennessee Bank, National Association

4977 701 Market Street, Chattanooga, TN 37402

First Tennessee Bank, National Association

4977 7820 East Brainerd Road, Chattanooga, TN 37421

First Tennessee Bank, National Association

4977 8522 Hixon Pike, Chattanooga, TN 37415

First Tennessee Bank, National Association

4977 979 East Third Street, Chattanooga, TN 37403

First Volunteer Bank of Tennessee

10307 1834 Gunbarrel Rd, Chattanooga, TN 37421

First Volunteer Bank of Tennessee

10307 4757 Highway 58, Chattanooga, TN 37416

First Volunteer Bank of Tennessee

10307 6823 Shallowford Road, Chattanooga, TN 37421

First Volunteer Bank of Tennessee

10307 728 Broad Street, Chattanooga, TN 37402

First-Citizens Bank & Trust Company

11063 1611 Gunbarrel Road, Chattanooga, TN 37421

FSGBANK, National Association

35525 1409 Cowart Street, Chattanooga, TN 37402

FSGBANK, National Association

35525 1740 Gunbarrel Road, Chattanooga, TN 37421

FSGBANK, National Association

35525 4227 Ringgold Road, Chattanooga, TN 37412

FSGBANK, National Association

35525 4535 Highway 58, Chattanooga, TN 37416

FSGBANK, National Association

35525 531 Broad Street, Chattanooga, TN 37402

FSGBANK, National Association

35525 817 Broad Street, Chattanooga, TN 37402

Northwest Georgia Bank

9246 319 Manufacturer's Road, Chattanooga, TN 37405

Northwest Georgia Bank

9246 7442 Shallowford Road, Chattanooga, TN 37421

Regions Bank

12368 1206 Market Street, Chattanooga, TN 37402

Regions Bank

12368 125 Cherokee Blvd, Chattanooga, TN 37405

Regions Bank

12368 2 Union Square Street, Chattanooga, TN 37402

Regions Bank

12368 2120 Gunbarrel Road, Chattanooga, TN 37421

Regions Bank

12368 3303 Cummings Highway, Chattanooga, TN 37419

Regions Bank

12368 3614 Tennessee Avenue, Chattanooga, TN 37409

Regions Bank

12368 3894 Hixson Pike, Chattanooga, TN 37415

Regions Bank

12368 4334 Ringgold Road, Chattanooga, TN 37403

Regions Bank

12368 4538 Highway 58, Chattanooga, TN 37416

Regions Bank

12368 5515 Brainerd Road, Chattanooga, TN 37411

Regions Bank

12368 601 Market Center, Chattanooga, TN 37402

Regions Bank

12368 6238 Lee Highway, Chattanooga, TN 37421

Regions Bank

12368 7951 East Brainerd Road, Chattanooga, TN 37421

Regions Bank

12368 8535 Hixson Pike, Chattanooga, TN 37415

SunTrust Bank

867 110 West 10th Street, Chattanooga, TN 37402

SunTrust Bank

867 1900 Gunbarrel Rd, Chattanooga, TN 37421

SunTrust Bank

867 2020 Gunbarrel Road, Chattanooga, TN 37421

SunTrust Bank

867 203 Cherokee Boulevard, Chattanooga, TN 37405

SunTrust Bank

867 2201 East Third Street, Chattanooga, TN 37404

SunTrust Bank

867 2801-09 East 48th Street, Chattanooga, TN 37407

SunTrust Bank

867 3513 Dayton Boulevard, Chattanooga, TN 37415

SunTrust Bank

867 3535 Brainerd Road, Chattanooga, TN 37411

SunTrust Bank

867 3734 St. Elmo Avenue, Chattanooga, TN 37409

SunTrust Bank

867 4323 Ringgold Road, Chattanooga, TN 37412

SunTrust Bank

867 4614 Highway 58, Chattanooga, TN 37416

SunTrust Bank

867 490 Greenway View Drive, Chattanooga, TN 37411

SunTrust Bank

867 501 Signal Mountain Blvd, Chattanooga, TN 37405

SunTrust Bank

867 6 Cherokee Blvd, Chattanooga, TN 37405

SunTrust Bank

867 721 Glenwood Drive, Suite W-459, Chattanooga, TN 37404

SunTrust Bank

867 736 Market Street, Chattanooga, TN 37402

SunTrust Bank

867 8171 East Brainerd Road, Chattanooga, TN 37421

SunTrust Bank

867 979 East Third Street, Chattanooga, TN 37403

Synovus Bank

873 103 Cherokee Boulevard, Chattanooga, TN 37405

Synovus Bank

873 1821 Gunbarrell Road, Chattanooga, TN 37421

Synovus Bank

873 800 Market Street, Chattanooga, TN 37402

Synovus Bank

873 800 Market Street, Suite 100, Chattanooga, TN 37402