Compare today's rates in your state for a 30-year fixed and a 15-year fixed and a 5/1 Adjustable Rate Mortgage (ARM), where the interest rate can vary after the first five years.
Select a mortgage type to calculate a monthly payment.
|30-year fixed||4.250%||4.468%||0.921||Select 30-year fixed|
|15-year fixed||3.375%||3.746%||0.966||Select 15-year fixed|
|5/1 ARM (Variable)||2.875%||3.068%||0.932||Select 5/1 ARM (Variable)|
The rates displayed here are on: 12-08-13 9:35 AM ET. This is for illustrative purposes only and is based upon information you provided. Accuracy is not guaranteed and products may not be available for your situation. Results assume borrower has excellent credit. Loan assumptions and disclosures.
Loan assumptions and disclosuresclose
Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available.
APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan).Your monthly payment is not based on APR, but instead on the interest rate on your Note.
Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
|Rates and APRs also assume:|
|Property type/use:||Single family residence/owner occupied|
|Rate lock period:||Purchase: 45 days. Refinance: 60 days. (Actual NY pricing based on different Rate Lock Period. Call for more information and to obtain a rate quote and rate lock specific to your situation. This is not an offer of a rate lock.)|
|Discount point(s):||As displayed|
|Lien Position:||First lien|
|Property location:||North Carolina|
|Loan Term:||As displayed|
See what your credit score represents and how to find it.
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Learn why the annual percentage rate (APR) and the interest rate differ.
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