Gardendale, AL Mortgage Rates and Refinance Rates

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

Search and Compare Gardendale, AL Mortgage Rates & Refinance Rates

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Gardendale, Alabama Conforming Mortgage Rates and Refinance Rates

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

Jumbo Mortgage Rates and Refinance Rates in Gardendale, Alabama

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

Gardendale, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Gardendale, 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.

Gardendale, Alabama Adjustable Mortgage Rates

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

Google Map for Gardendale, AL Rates & Resources

Gardendale FDIC Insured Banks

Bank Name

FDIC Cert Number


Aliant Bank

2773 210 Fieldtown Road Suite 142, Gardendale, AL 35071

Branch Banking and Trust Company

9846 1325 Decatur Highway, Gardendale, AL 35071

Peoples Bank of Alabama

22537 336 Fieldstown Road, Gardendale, AL 35071

Pinnacle Bank

29548 101 Fire Station Road, Gardendale, AL 35071

Regions Bank

12368 1001 Decatur Highway North, Gardendale, AL 35071

Regions Bank

12368 895 Odum Road, Gardendale, AL 35071

SouthPoint Bank

58088 1101 Main Street, Gardendale, AL 35071

Synovus Bank

873 951 Odum Road, Gardendale, AL 35071

Wells Fargo Bank, National Association

3511 665 Fieldstown Road, Gardendale, AL 35071