Alabama Mortgage Rates and Refinance Rates

Alabama Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Alabama. Our rate table has a list of Alabama mortgage 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 in Alabama you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Alabama 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 Alabama listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 36101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,754
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,748
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 4649
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $481
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # 21070
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,216
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 4649
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 4649
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 21619
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 22121
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
e-Lend Logo
NMLS # 2826
State Lic # 21070
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.875 pts
45 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.456 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
Peoples Bank of Alabama
4.002%
10/11/2017
3.875%
at 1.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,053
 
 
Regions Bank
4.290%
10/13/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Citizens Bank, NA
4.177%
10/13/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $998
 
 

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.





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

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

Alabama Super Conforming Home Loan Rates

Super conforming mortgages in Alabama 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.

Alabama Jumbo Loan Interest Rates

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

Alabama Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Alabama. 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.

Alabama Adjustable Interest Rates

Alabama 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.

Alabama Interest Only Home Mortgage Rates

Alabama 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.

Alabama FHA Mortgage Mortgage Rates

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


Cities in Alabama

Abbeville

Abernant

Adamsville

Addison

Adger

Akron

Alabaster

Alberta

Albertville

Alexander City

Alexandria

Aliceville

Allgood

Alma

Alpine

Alton

Altoona

Andalusia

Anderson

Annemanie

Anniston

Arab

Ardmore

Ariton

Arley

Arlington

Ashford

Ashland

Ashville

Athens

Atmore

Attalla

Auburn

Auburn University

Autaugaville

Axis

Baileyton

Banks

Bankston

Bay Minette

Bayou La Batre

Bear Creek

Beatrice

Beaverton

Belk

Bellamy

Belle Mina

Bellwood

Berry

Bessemer

Billingsley

Birmingham

Black

Blountsville

Boaz

Boligee

Bon Air

Bon Secour

Booth

Boykin

Brantley

Bremen

Brent

Brewton

Bridgeport

Brierfield

Brilliant

Brooklyn

Brookside

Brookwood

Brownsboro

Brundidge

Bryant

Bucks

Buhl

Burnt Corn

Burnwell

Butler

Bynum

Calera

Calvert

Camden

Camp Hill

Campbell

Capshaw

Carbon Hill

Cardiff

Carlton

Carrollton

Castleberry

Catherine

Cecil

Cedar Bluff

Centre

Centreville

Chancellor

Chapman

Chatom

Chelsea

Cherokee

Childersburg

Choccolocco

Chunchula

Citronelle

Clanton

Clay

Clayton

Cleveland

Clinton

Clio

Clopton

Cloverdale

Coaling

Coden

Coffee Springs

Coffeeville

Coker

Collinsville

Columbia

Columbiana

Cook Springs

Coosada

Cordova

Cottondale

Cottonton

Cottonwood

Courtland

Cowarts

Coy

Cragford

Crane Hill

Creola

Cromwell

Cropwell

Crossville

Cuba

Cullman

Cusseta

Dadeville

Daleville

Danville

Daphne

Dauphin Island

Daviston

Dawson

De Armanville

Deatsville

Decatur

Deer Park

Delmar

Delta

Demopolis

Detroit

Dickinson

Dixons Mills

Docena

Dolomite

Dora

Dothan

Double Springs

Douglas

Dozier

Duncanville

Dutton

East Tallassee

Eastaboga

Echola

Eclectic

Edwardsville

Eight Mile

Elba

Elberta

Eldridge

Elkmont

Elmore

Elrod

Emelle

Empire

Enterprise

Epes

Equality

Estillfork

Ethelsville

Eufaula

Eutaw

Eva

Evergreen

Excel

Fackler

Fairfield

Fairhope

Falkville

Faunsdale

Fayette

Fitzpatrick

Five Points

Flat Rock

Flomaton

Florala

Florence

Foley

Forest Home

Forkland

Fort Davis

Fort Deposit

Fort Mitchell

Fort Payne

Fort Rucker

Fosters

Franklin

Frankville

Frisco City

Fruitdale

Fruithurst

Fulton

Fultondale

Furman

Fyffe

Gadsden

Gainestown

Gainesville

Gallant

Gallion

Gantt

Garden City

Gardendale

Gaylesville

Geneva

Georgiana

Geraldine

Gilbertown

Glen Allen

Glenwood

Goodsprings

Goodwater

Goodway

Gordo

Gordon

Goshen

Grady

Graham

Grand Bay

Grant

Graysville

Green Pond

Greensboro

Greenville

Grove Hill

Groveoak

Guin

Gulf Shores

Guntersville

Gurley

Hackleburg

Haleyville

Hamilton

Hanceville

Hardaway

Harpersville

Hartford

Hartselle

Harvest

Hatchechubbee

Hayden

Hayneville

Hazel Green

Headland

Heflin

Helena

Henagar

Higdon

Highland Home

Hillsboro

Hodges

Hollins

Holly Pond

Hollytree

Hollywood

Holy Trinity

Honoraville

Hoover

Hope Hull

Horton

Houston

Huntsville

Hurtsboro

Huxford

Ider

Irvington

Iuka

Jachin

Jack

Jackson

Jacksons Gap

Jacksonville

Jasper

Jefferson

Jemison

Jones

Joppa

Kansas

Kellerman

Kellyton

Kennedy

Kent

Killen

Kimberly

Kinston

Knoxville

Laceys Spring

Lafayette

Lanett

Langston

Lapine

Lawley

Leeds

Leesburg

Leighton

Lenox

Leroy

Lester

Letohatchee

Lexington

Lillian

Lincoln

Linden

Lineville

Lisman

Little River

Livingston

Loachapoka

Lockhart

Locust Fork

Logan

Louisville

Lower Peach Tree

Lowndesboro

Loxley

Luverne

Lynn

Madison

Magnolia

Magnolia Springs

Malcolm

Malvern

Maplesville

Marbury

Margaret

Marion

Marion Junction

Mathews

Maylene

McCalla

McIntosh

McKenzie

McShan

McWilliams

Megargel

Melvin

Mentone

Meridianville

Mexia

Midland City

Midway

Millbrook

Millerville

Millport

Millry

Minter

Mobile

Monroeville

Montevallo

Montgomery

Montrose

Moody

Mooresville

Morris

Morvin

Moulton

Moundville

Mount Hope

Mount Meigs

Mount Olive

Mount Vernon

Mulga

Munford

Muscadine

Muscle Shoals

Myrtlewood

Nanafalia

Natural Bridge

Nauvoo

Needham

New Brockton

New Castle

New Hope

New Market

Newbern

Newell

Newton

Newville

Normal

Northport

Notasulga

Oak Hill

Oakman

Odenville

Ohatchee

Oneonta

Opelika

Opp

Orange Beach

Orrville

Owens Cross Roads

Ozark

Paint Rock

Palmerdale

Panola

Pansey

Parrish

Pelham

Pell City

Pennington

Perdido

Perdue Hill

Perote

Peterman

Peterson

Petrey

Phenix City

Phil Campbell

Piedmont

Pike Road

Pinckard

Pine Apple

Pine Hill

Pine Level

Pinson

Pisgah

Pittsview

Plantersville

Pleasant Grove

Point Clear

Prattville

Princeton

Quinton

Ragland

Rainbow City

Rainsville

Ralph

Ramer

Ranburne

Randolph

Range

Red Bay

Red Level

Reform

Remlap

Repton

River Falls

Riverside

Roanoke

Robertsdale

Rockford

Rogersville

Russellville

Rutledge

Ryland

Safford

Saginaw

Saint Elmo

Saint Stephens

Salem

Salitpa

Samantha

Samson

Saraland

Sardis

Satsuma

Sawyerville

Sayre

Scottsboro

Seale

Section

Selma

Seminole

Semmes

Shannon

Sheffield

Shelby

Shorter

Shorterville

Silas

Siluria

Silverhill

Sipsey

Skipperville

Slocomb

Smiths

Snow Hill

Somerville

Spanish Fort

Spring Garden

Springville

Sprott

Spruce Pine

Stanton

Stapleton

Steele

Sterrett

Stevenson

Stockton

Sulligent

Sumiton

Summerdale

Sunflower

Sweet Water

Sycamore

Sylacauga

Sylvania

Talladega

Tallassee

Tanner

Theodore

Thomaston

Thomasville

Thorsby

Tibbie

Titus

Toney

Town Creek

Townley

Toxey

Trafford

Trenton

Trinity

Troy

Trussville

Tuscaloosa

Tuscumbia

Tuskegee

Tuskegee Institute

Tyler

Union Grove

Union Springs

Uniontown

Uriah

Valhermoso Springs

Valley

Valley Head

Vance

Vandiver

Verbena

Vernon

Vina

Vincent

Vinegar Bend

Vinemont

Vredenburgh

Wadley

Wagarville

Walker Springs

Walnut Grove

Ward

Warrior

Waterloo

Watson

Wattsville

Waverly

Weaver

Webb

Wedowee

Wellington

Weogufka

West Blocton

West Greene

Westover

Wetumpka

Whatley

Wilmer

Wilsonville

Wilton

Winfield

Wing

Woodland

Woodstock

Woodville

York