Charleston, WV Mortgage Rates and Refinance Rates

Charleston, West Virginia Mortgage Rates - Refinance Rates:

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

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 29401, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $3,024
Thank you for your inquiry, we will be in touch shortly. 
 
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: $1,126
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(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. 
 
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
 
Citibank, N. A. Logo
NMLS # 412915
(877) 693-8156
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $2,445
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $310
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: $2,528
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,430
Thank you for your inquiry, we will be in touch shortly. 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,540
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $293
Thank you for your inquiry! 
 
Home Point Financial Logo
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $870
 
 
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! 
 
Home Point Financial Logo
at 0.817 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,968
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,042
Thank you for your inquiry! 
 
Citizens Bank, NA
4.170%
11/17/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $1,073
 
 
The Fidelity Bank
4.066%
11/17/2017
4.000%
at 0.362 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $863
 
 
First Citizens Bank
4.056%
11/17/2017
4.000%
at 0.250 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $842
 
 
TD Bank, NA
4.043%
11/21/2017
4.000%
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $1,026
 
 

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.





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

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

Charleston, WV Super Conforming Home Loan Rates

Super conforming mortgages in Charleston, WV 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.

Charleston, WV Jumbo Loan Interest Rates

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

Charleston, WV Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Charleston, WV. 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.

Charleston, WV Adjustable Interest Rates

Charleston, WV 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.

Charleston, WV Interest Only Home Mortgage Rates

Charleston, WV 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.

Charleston, WV FHA Mortgage Mortgage Rates

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


Charleston FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Branch Banking and Trust Company

9846 110 Patrick Street Plaza, Charleston, WV 25312

Branch Banking and Trust Company

9846 1117 Charleston Town Ctr, Charleston, WV 25389

Branch Banking and Trust Company

9846 1124 Fledderjohn Road, Charleston, WV 25314

Branch Banking and Trust Company

9846 300 Summers Street, Charleston, WV 25301

Branch Banking and Trust Company

9846 3800 Maccorkle Ave Se, Charleston, WV 25304

Branch Banking and Trust Company

9846 400 Washington St E, Charleston, WV 25301

Branch Banking and Trust Company

9846 501 Tennessee Avenue, Charleston, WV 25302

Branch Banking and Trust Company

9846 534 Lee St E, Charleston, WV 25301

Branch Banking and Trust Company

9846 5701 Maccorkle Avenue, S.E., Charleston, WV 25304

City National Bank of West Virginia

17735 10 Hale Street, Charleston, WV 25301

City National Bank of West Virginia

17735 1004 Bridge Road, Charleston, WV 25314

City National Bank of West Virginia

17735 120 Kanawha Boulevard, Charleston, WV 25302

Fifth Third Bank

6672 4515 Mccorkle Avenue Southeast, Charleston, WV 25304

Fifth Third Bank

6672 700 Virginia Street East, Suite 100, Charleston, WV 25301

First Bank of Charleston, Inc.

57514 201 Pennsylvania Avenue, Charleston, WV 25362

JPMorgan Chase Bank, National Association

628 1001 Bridge Road, Charleston, WV 25314

JPMorgan Chase Bank, National Association

628 1625 Washington Street, Charleston, WV 25311

JPMorgan Chase Bank, National Association

628 200 Kanawha Mall, Charleston, WV 25304

JPMorgan Chase Bank, National Association

628 613 Virginia St. East, Charleston, WV 25301

JPMorgan Chase Bank, National Association

628 707 Virginia St. East, Charleston, WV 25301

Summit Community Bank, Inc

34102 2402 Mountaineer Boulevard, Charleston, WV 25309

Summit Community Bank, Inc

34102 620 Virginia Street East, Charleston, WV 25301

SunTrust Bank

867 1100 Fledder John Road, Charleston, WV 25313

SunTrust Bank

867 300 Capital Street, Charleston, WV 25301

SunTrust Bank

867 500 Delaware Avenue, Charleston, WV 25302

SunTrust Bank

867 5717 Maccorkle Avenue, Southeast, Charleston, WV 25304

The Huntington National Bank

6560 210 Tennessee Avenue, Charleston, WV 25302

The Huntington National Bank

6560 219 Broad Street, Charleston, WV 25301

The Huntington National Bank

6560 900 Lee St, Charleston, WV 25301

United Bank

6784 1079 Charleston Town Center, Charleston, WV 25389

United Bank

6784 4605 Pennsylvania Ave., Charleston, WV 25302

United Bank

6784 4901 Maccorkle Avenue Se, Charleston, WV 25304

United Bank

6784 500 Virginia Street, East, Charleston, WV 25322

Wesbanco Bank, Inc.

803 300 Tennessee Avenue, Charleston, WV 25362

Wesbanco Bank, Inc.

803 852 Oakwood Road, Charleston, WV 25314