Guntersville, AL Mortgage Rates and Refinance Rates

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

Search and Compare Guntersville, AL Mortgage Rates & Refinance Rates

Guntersville, Alabama Conforming Mortgage Rates and Refinance Rates

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

Jumbo Mortgage Rates and Refinance Rates in Guntersville, Alabama

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

Guntersville, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Guntersville, 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.

Guntersville, Alabama Adjustable Mortgage Rates

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

Google Map for Guntersville, AL Rates & Resources

Guntersville FDIC Insured Banks

Bank Name

FDIC Cert Number


BancorpSouth Bank

11813 1301 Gunter Avenue, Guntersville, AL 35976

Branch Banking and Trust Company

9846 1302 Gunter Avenue, Guntersville, AL 35976

Citizens Bank & Trust

57483 404 Gunter Avenue, Guntersville, AL 35976

FNB Bank

2824 1410 Gunter Avenue, Guntersville, AL 35976

Peoples Bank of Alabama

22537 14340 Highway 431 North, Guntersville, AL 35976

Regions Bank

12368 400 Gunter Avenue, Guntersville, AL 35976

The Southern Bank Company

29731 2204 Henry Street, Guntersville, AL 35976

Wells Fargo Bank, National Association

3511 600 Gunter Avenue, Guntersville, AL 35976