North Miami Beach, FL Mortgage Rates and Refinance Rates

North Miami Beach, Florida Mortgage Rates - Refinance Rates:

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

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 32303, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $925.10
Fees in APR: $2,966
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # MLD62
at 1.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $1,094
 
 
Vankeef Financial LLC Logo
NMLS # 119517
at 0.100 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $2,487
Thank you for your inquiry, we will be in touch shortly. 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 1.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $1,799
 
 
QuickenLoans Logo
NMLS # 3030
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,700
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $1,093
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,880
Thanks for the inquiry! 
 
at 0.100 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $2,508
Thank you for your inquiry! We look forward to working with you. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,028
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,404
Thank you for your quote. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MLD157
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $299
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $865
 
 
e-Lend Logo
NMLS # 2826
State Lic # MLD62
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: None
 
 
Commonwealth Mortgage, LLC Logo
at 0.000 pts
30 day lock rate
Est payment: $939.90
Fees in APR: None
 
 
at 0.000 pts
45 day lock rate
Est payment: $978.03
Fees in APR: $794
Thank you for your inquiry! We look forward to working with you. 
 
Ownium Logo
NMLS # 121455
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: None
 
QuickenLoans Logo
NMLS # 3030
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $400
 
 
FIRST SAVINGS MORTGAGE Logo
NMLS # 689422
State Lic # MLD292
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,195
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Vankeef Financial LLC Logo
NMLS # 119517
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $55
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,627.27
Fees in APR: $880
Thanks for the inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $774
Thank you for your inquiry, we will be in touch shortly. 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: None
 
 
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: None
Thank you for your inquiry. 
 
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $895
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $656
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $910.98
Fees in APR: $2,400
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $3,972
 
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $925.10
Fees in APR: $1,077
Thanks for the inquiry! 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 2.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $4,046
 
 
QuickenLoans Logo
NMLS # 3030
at 1.100 pts
30 day lock rate
Est payment: $975.70
Fees in APR: $2,950
 
 
Vankeef Financial LLC Logo
NMLS # 119517
at 1.100 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $1,863
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
45 day lock rate
Est payment: $934.76
Fees in APR: $2,501
Thank you for your inquiry! We look forward to working with you. 
 
LincolnWay Community Bank
4.170%
1/16/2018
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,085
 
 
VyStar Credit Union Logo
4.264%
1/16/2018
4.250%
at 0.125 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $79
 
 
TD Bank, NA
4.169%
1/16/2018
4.125%
at 0.000 pts
45 day lock rate
Est payment: $969.30
Fees in APR: $1,043
 
 
Raymond James Bank, NA
4.430%
1/16/2018
4.375%
at 0.000 pts
45 day lock rate
Est payment: $998.57
Fees in APR: $1,299
 
 
First Merchants Bank
4.038%
1/15/2018
4.000%
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $905
 
 
Bank of Oak Ridge
4.307%
1/18/2018
4.250%
at 0.250 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $853
 
 
BMO Harris Bank, NA
4.259%
1/19/2018
4.125%
at 1.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $914
 
 
Santander Bank, N.A.
4.460%
1/19/2018
4.375%
at 0.000 pts
60 day lock rate
Est payment: $998.57
Fees in APR: $2,004
 
 
United Bank
4.251%
1/17/2018
4.125%
at 1.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $995
 
 
Suncoast Credit Union
4.077%
1/16/2018
4.000%
at 0.500 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $850
 
 
Grow Financial FCU
4.167%
1/16/2018
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,004
 
 

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.





North Miami Beach, FL 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 Florida. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

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

North Miami Beach, FL Super Conforming Home Loan Rates

Super conforming mortgages in North Miami Beach, FL 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.

North Miami Beach, FL Jumbo Loan Interest Rates

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

North Miami Beach, FL Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in North Miami Beach, FL. 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.

North Miami Beach, FL Adjustable Interest Rates

North Miami Beach, FL 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.

North Miami Beach, FL Interest Only Home Mortgage Rates

North Miami Beach, FL 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.

North Miami Beach, FL FHA Mortgage Mortgage Rates

Borrowers in North Miami Beach, FL must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in North Miami Beach, FL 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 North Miami Beach, FL Rates & Resources


North Miami Beach FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

1st United Bank

35408 15801 Biscayne Boulevard, North Miami Beach, FL 33162

Banco Popular North America

34967 1550 Northeast Miami Gardens Drive, North Miami Beach, FL 33169

Bank of America, National Association

3510 1119 N.E. 163rd Street, North Miami Beach, FL 33162

Bank of America, National Association

3510 18201 N.E. 19th Avenue, North Miami Beach, FL 33162

JPMorgan Chase Bank, National Association

628 1201 Northeast 163rd Street, North Miami Beach, FL 33162

JPMorgan Chase Bank, National Association

628 1790 N.E. Miami Gardens Drive, North Miami Beach, FL 33179

JPMorgan Chase Bank, National Association

628 940 Ives Dairy Road, North Miami Beach, FL 33179

Marquis Bank

58345 115 Nw 167th Street, Suite 200, North Miami Beach, FL 33169

Premier American Bank, National Association

58991 1802 North East Miami Gardens Drive, North Miami Beach, FL 33179

Regions Bank

12368 16051 West Dixie Highway, North Miami Beach, FL 33160

Regions Bank

12368 633 N.E. 167th Street, North Miami Beach, FL 33162

Wells Fargo Bank, National Association

3511 1798 Northeast Miami Gardens Drive, North Miami Beach, FL 33179

Wells Fargo Bank, National Association

3511 800 N Miami Beach Blvd, North Miami Beach, FL 33162