Albertville, AL Mortgage Rates and Refinance Rates

Mortgages in Albertville, AL: Find the best Albertville, AL mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Albertville, AL, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Albertville, AL. Another option is searching for Albertville, AL refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Albertville, AL mortgage rates or refinance rates.

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Albertville, Alabama Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Albertville, AL are the most popular type of mortgages rates you can find advertised for home buyers in Albertville, AL. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Albertville, AL mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Albertville, AL banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Albertville, AL conforming mortgage rates and refi rates lower than Albertville, AL jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Albertville, AL home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Albertville, Alabama

Jumbo mortgage rates in Albertville, AL are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Albertville, AL and adjustable mortgage rates in Albertville, AL. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Albertville, AL make.

Albertville, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Albertville, AL fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Albertville, Alabama Adjustable Mortgage Rates

Adjustable Albertville, AL mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Albertville, AL are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Albertville, AL. Most adjustable mortgages in Albertville, AL have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Albertville, AL Rates & Resources


Albertville FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

BancorpSouth Bank

11813 10675 U.S. Hwy 431 N., Albertville, AL 35950

BancorpSouth Bank

11813 7100 U.S. Hwy 431, Albertville, AL 35950

Branch Banking and Trust Company

9846 629 East Main Street, Albertville, AL 35950

Citizens Bank & Trust

57483 324 North Broad Street, Albertville, AL 35950

Compass Bank

19048 300 West Main Street, Albertville, AL 35950

Peoples Bank of Alabama

22537 7473 U.S. Highway 431, Albertville, AL 35950

Regions Bank

12368 116 Sand Mountain Drive, Albertville, AL 35950

Regions Bank

12368 8031 Us Highway 431, Albertville, AL 35950

The Southern Bank Company

29731 625 East Main Street, Albertville, AL 35950

Vantage Bank of Alabama

58375 407 North Broad Street, Albertville, AL 35950

Wells Fargo Bank, National Association

3511 203 West Main Street, Albertville, AL 35950