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
 
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
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $656
Thank you for your inquiry, we will be in touch shortly. 
 
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: $2,615
 
 
eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,531
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
(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. 
 
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
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
 
 
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
 
 
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 0943034
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Ownium Logo
NMLS # 121455
State Lic # 0927167
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Valley Mortgage Financial Logo
NMLS # 160925
State Lic # BK 0907077
(877) 342-3078
at 0.375 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $885
 
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! 
 
Agora Lending Logo
NMLS # 1121650
State Lic # 0930150
(877) 752-0571
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,972
Thank you for your inquiry! 
 
Pinnacle Peak Lending, Inc Logo
NMLS # 155732
State Lic # AZ MB 0910138
(877) 900-4998
at 0.500 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,979
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.100 pts
45 day lock rate
Est payment: $917.74
Fees in APR: $2,718
Thank you for your inquiry! We look forward to working with you. 
 
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $870
 
 
Watermark Home Loans Logo
NMLS # 1838
State Lic # 0925124
(877) 526-4069
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $72
Watermark Home Loans is a BBB A+ rated Direct Lender. 
 
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! 
 
Pinnacle Peak Lending, Inc Logo
NMLS # 155732
State Lic # AZ MB 0910138
(877) 900-4998
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,329
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.000 pts
45 day lock rate
Est payment: $931.91
Fees in APR: $1,136
Thank you for your inquiry! We look forward to working with you. 
 
Valley Mortgage Financial Logo
NMLS # 160925
State Lic # BK 0907077
(877) 342-3078
at 0.000 pts
30 day lock rate
Est payment: $926.23
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! 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
Agora Lending Logo
NMLS # 1121650
State Lic # 0930150
(877) 752-0571
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $40
Thank you for your inquiry! 
 
Valley Mortgage Financial Logo
NMLS # 160925
State Lic # BK 0907077
(877) 342-3078
at 2.000 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $885
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 1.100 pts
45 day lock rate
Est payment: $914.92
Fees in APR: $1,066
Thank you for your inquiry! We look forward to working with you. 
 
Raymond James Bank, NA
4.305%
10/10/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
First Citizens Bank
4.256%
10/9/2017
4.125%
at 1.130 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $842
 
 
Bank of the West
4.169%
10/10/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $793
 
 
Johnson Bank
3.828%
10/13/2017
3.800%
at 0.000 pts
49 day lock rate
Est payment: $931.91
Fees in APR: $678
 
 
First International Bank & Trust
4.039%
10/16/2017
4.000%
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $930
 
 
IAB Financial Bank
4.285%
10/11/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $828
 
 
LincolnWay Community Bank
3.920%
10/10/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 

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