Athens, AL Mortgage Rates and Refinance Rates

Mortgages in Athens, AL: Find the best Athens, AL mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Athens, 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 Athens, AL. Another option is searching for Athens, 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 Athens, AL mortgage rates or refinance rates.

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Athens, Alabama Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Athens, AL are the most popular type of mortgages rates you can find advertised for home buyers in Athens, 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. Athens, 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 Athens, AL banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Athens, AL conforming mortgage rates and refi rates lower than Athens, AL jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Athens, AL home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Athens, Alabama

Jumbo mortgage rates in Athens, 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 Athens, AL and adjustable mortgage rates in Athens, AL. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Athens, AL make.

Athens, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Athens, 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.

Athens, Alabama Adjustable Mortgage Rates

Adjustable Athens, 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 Athens, 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 Athens, AL. Most adjustable mortgages in Athens, AL have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Athens, AL Rates & Resources


Athens FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank Independent

16604 101 South Clinton Street, Athens, AL 35611

Bank Independent

16604 22015 Highway 72 East, Athens, AL 35613

Citizens Bank & Trust

57483 1260 Us Highway 72 E, Ste H, Athens, AL 35611

Compass Bank

19048 1003 Highway 72 East, Athens, AL 35611

Compass Bank

19048 105 West Green Street, Athens, AL 35611

First National Bank of Pulaski

15572 1880 Hwy 72 East, Athens, AL 35613

RBC Bank (USA)

33184 1044 Highway 72 East, Athens, AL 35611

RBC Bank (USA)

33184 309 West Washington Street, Athens, AL 35611

Regions Bank

12368 105 West Hobbs Street, Athens, AL 35611

Regions Bank

12368 1101 Highway 72 East, Athens, AL 35613

Regions Bank

12368 201 West Green Street, Athens, AL 35611

RELIANCE BANK

34866 111 Market Street East, Athens, AL 35611

RELIANCE BANK

34866 112 North Jefferson Street, Athens, AL 35611

RELIANCE BANK

34866 22236 Us Hwy 72, Athens, AL 35613