Bay City, WI Mortgage Rates and Refinance Rates

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

Search and Compare Bay City, WI Mortgage Rates & Refinance Rates

Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
30 yr fixed refi in 57305, All points, Credit score: 740+     Sort by:
No results found

Bay City, Wisconsin Conforming Mortgage Rates and Refinance Rates

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

Jumbo Mortgage Rates and Refinance Rates in Bay City, Wisconsin

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

Bay City, Wisconsin Fixed Mortgage Rates and Fixed Refinance Rates

Bay City, WI 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.

Bay City, Wisconsin Adjustable Mortgage Rates

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

Google Map for Bay City, WI Rates & Resources

Bay City FDIC Insured Banks

There are no FDIC insured banks in Bay City