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
 
SnapFi Logo
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,812
Thanks for the inquiry! 
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
e-Lend Logo
NMLS # 2826
State Lic # 2826
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,147
 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # BK - 0940529
(877) 730-0181
at 1.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,300
 
 
eRates Mortgage Logo
NMLS # 1071
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $875
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $896.97
Fees in APR: $2,954
Thanks for the inquiry! 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
Olympus Home Loans Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
Thanks for the inquiry! 
 
SnapFi Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
Thanks for the inquiry! 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 921611
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
e-Lend Logo
NMLS # 2826
State Lic # 2826
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
eRates Mortgage Logo
NMLS # 1071
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. 
 
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $925.10
Fees in APR: None
Thanks for the inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $266
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # BK - 0940529
(877) 730-0181
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
eRates Mortgage Logo
NMLS # 1071
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $875
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $3,932
 
 
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,702
Thanks for the inquiry! 
 
SnapFi Logo
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,540
Thanks for the inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 0925883
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,324
Thank you for your inquiry, we will be in touch shortly. 
 
LoanLock Logo
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
Better Mortgage Inc Logo
NMLS # 330511
State Lic # 0942146
(877) 699-1832
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $612
Thank you for your quote. 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $94
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,768
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $812
Thank you for your inquiry! 
 
First International Bank & Trust
4.164%
12/11/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $930
 
 
FirstBank
4.185%
12/6/2017
4.125%
at 0.250 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $937
 
 
Raymond James Bank, NA
4.305%
12/12/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Johnson Bank
3.928%
12/15/2017
3.900%
at 0.000 pts
49 day lock rate
Est payment: $943.34
Fees in APR: $678
 
 
BMO Harris Bank, NA
3.996%
12/13/2017
3.875%
at 1.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $914
 
 
Bank of the West
4.294%
12/12/2017
4.250%
at 0.125 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $793
 
 

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.


Google Map for Arizona Rates & Resources


Cities in Arizona