Arizona Mortgage Rates and Refinance Rates

Arizona Mortgage Rates - Refinance Rates:

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

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 85001, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.221
4.125
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,124
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.296
4.250
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,321
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.222
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,527
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.318
4.250
USD
Capital Bank N.A. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,120
 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.190
4.050
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.100 pts
45 day lock rate
Est payment: $1,440.91
Fees in APR: $4,687
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.356
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $5,144
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.521
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,100
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.468
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,961
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.607
4.500
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,422
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.320
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # BK-0906323
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,195
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.400
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 0943034
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $895
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.499
4.490
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 921611
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.755
4.750
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $159
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.659
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,193
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.375
4.375
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.342
4.275
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.000 pts
45 day lock rate
Est payment: $1,480.21
Fees in APR: $2,370
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.306
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,995
 
30 yr fixed Mortgage Loan from NationsChoice Mortgage
NationsChoice Mortgage
https://www.brimg.net/system/img/inst/8111_logo.gif
300000
Refinance
4.250
4.250
USD
NationsChoice Mortgage Logo
NMLS # 164626
State Lic # BK-0019241
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.398
4.375
USD
Capital Bank N.A. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $818
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.500
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # BK-0906323
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
LoanLock Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.371
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $230
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.375
4.375
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https://www.brimg.net/system/img/inst/7834_logo.gif
300000
Refinance
4.375
4.375
USD
HomePlus Mortgage Logo
NMLS # 78669
State Lic # MB-0944131
(877) 317-3710
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry. 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.455
4.375
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # 0942146
(877) 699-1832
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,820
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.246
3.875
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $7,087
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.410
4.250
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,325
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.532
4.375
USD
Ally Bank Logo
NMLS # 181005
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,190
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.157
3.990
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,659
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.100
3.900
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 1.100 pts
45 day lock rate
Est payment: $1,415.00
Fees in APR: $3,845
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.196
4.000
USD
AimLoan.com Logo
NMLS # 2890
State Lic # BK-0906323
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,665
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.158
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,708
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from First International Bank & Trust
First International Bank & Trust
300000
Refinance
4.777
4.750
USD
First International Bank & Trust
4.777%
8/13/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $930
 
 
30 yr fixed mtg refi Mortgage Loan from Johnson Bank
Johnson Bank
300000
Refinance
4.519
4.500
USD
Johnson Bank
4.519%
8/10/2018
4.500%
at 0.000 pts
49 day lock rate
Est payment: $1,520.06
Fees in APR: $678
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
5.056
5.000
USD
Bank of the West
5.056%
8/14/2018
5.000%
at 0.375 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from BMO Harris Bank, NA
BMO Harris Bank, NA
300000
Refinance
4.705
4.625
USD
BMO Harris Bank, NA
4.705%
8/15/2018
4.625%
at 0.625 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $914
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank
4.656%
8/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
8/14/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 

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.





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

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

Arizona Super Conforming Home Loan Rates

Super conforming mortgages in Arizona 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.

Arizona Jumbo Loan Interest Rates

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

Arizona Fixed Rate Mortgages

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

Arizona Adjustable Interest Rates

Arizona 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.

Arizona Interest Only Home Mortgage Rates

Arizona 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.

Arizona FHA Mortgage Mortgage Rates

Borrowers in Arizona must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Arizona 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.


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