Pell City, AL Mortgage Rates and Refinance Rates

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

Search and Compare Pell City, AL Mortgage Rates & Refinance Rates



Pell City, Alabama Conforming Mortgage Rates and Refinance Rates

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

Jumbo Mortgage Rates and Refinance Rates in Pell City, Alabama

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

Pell City, Alabama Fixed Mortgage Rates and Fixed Refinance Rates

Pell City, 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.

Pell City, Alabama Adjustable Mortgage Rates

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



Google Map for Pell City, AL Rates & Resources


Pell City FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Aliant Bank

2773 2401 Stemley Bridge Road Suite 13a, Pell City, AL 35128

Branch Banking and Trust Company

9846 2203 1st Ave N, Pell City, AL 35125

Metro Bank

27510 1920 Martin Street South, Pell City, AL 35128

Metro Bank

27510 800 Martin Street South, Pell City, AL 35128

Metro Bank

27510 Highway 231 North & Lewis Lake Rd, Pell City, AL 35125

RBC Bank (USA)

33184 308 Martin Street, Pell City, AL 35125

Regions Bank

12368 1031 Martin Street South, Pell City, AL 35128

Union State Bank

5602 1st Avenue And 20th Street North, Pell City, AL 35125

Union State Bank

5602 2 19th St S, Pell City, AL 35125

Union State Bank

5602 First Avenue And 20th Street North, Pell City, AL 35125

Union State Bank

5602 Highway 231 North, Pell City, AL 35125