Cedar Bluff, AL Mortgage Rates and Refinance Rates

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

Search and Compare Cedar Bluff, AL Mortgage Rates & Refinance Rates

Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
in 36101, 2, 740    Sort by:
No results found

Cedar Bluff, Alabama Conforming Mortgage Rates and Refinance Rates

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

Jumbo Mortgage Rates and Refinance Rates in Cedar Bluff, Alabama

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

Cedar Bluff, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Cedar Bluff, 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.

Cedar Bluff, Alabama Adjustable Mortgage Rates

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

Google Map for Cedar Bluff, AL Rates & Resources

Cedar Bluff FDIC Insured Banks

Bank Name

FDIC Cert Number


Generations Bank

58842 4971 Hwy 68, Cedar Bluff, AL 35959

Union State Bank

5602 Highway 68 And Pine Street, Cedar Bluff, AL 35959