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- Mortgages Our home loans — and low home loan rates — are designed to meet your specific home financing needs Tab {index} out of 3. Press Enter to activate tab
- Refinancing Refinance your mortgage with our low refinance rates — and potentially lower your monthly mortgage payment Tab {index} out of 3. Press Enter to activate tab
- Home Equity Leverage the equity in your home and consolidate debt or pay for major expenses with a home equity line of credit Tab {index} out of 3. Press Enter to activate tab
Our home loans — and low home loan rates — are designed to meet your specific home financing needs
Get Started
Learn more
or
Get Started Learn more about mortgages
or
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Today's competitive mortgage rates† disclosures Dagger Intro Rate Mortgage
Rates based on a $200,000 loan inZIPcode95464
Mortgage Rates Table
Ratepopup
APRpopup
Pointspopup
Monthly paymentpopup
30-year fixedpopup
Rate X.XXX%
APR X.XXX%
Points X.XXX
Monthly Payment $XXXX
15-year fixedpopup
Rate X.XXX%
APR X.XXX%
Points X.XXX
Monthly Payment $XXXX
5y/6m ARMpopup variable
Rate X.XXX%
APR X.XXX%
Monthly Payment $XXXX
About ARM rates
Rates based on a $200,000 loan inZIPcode95464
Mortgage Rates Table
30-year fixedpopup
15-year fixedpopup
5y/6m ARMpopup variable
Ratepopup
30 Year Fixed X.XXX%
15 Year Fixed X.XXX%
5y/6m ARM Variable X.XXX%
APRpopup
30 Year Fixed X.XXX%
15 Year Fixed X.XXX%
5y/6m ARM Variable X.XXX%
Pointspopup
30 Year Fixed X.XXX
15 Year Fixed X.XXX
5y/6m ARM Variable X.XXX
Monthly paymentpopup
30 Year Fixed $XXXX
15 Year Fixed $XXXX
5y/6m ARM Variable $XXXX
About ARM rates
Rate
The rate of interest on a loan, expressed as a percentage.
Annual Percentage Rate (APR)
The annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, points and loan origination fees) to reflect the total cost of the loan.
Points
An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points. One point equals one percent of the loan amount (for example, 2 points on a $100,000 mortgage would equal $2,000).
Monthly Payment (estimated)
The estimated monthly payment includes principal, interest and any required mortgage insurance (for borrowers with less than a 20% down payment). The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment. If you have an adjustable-rate loan, your monthly payment may change once every six months (after the initial period) based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index, published daily by the New York Fed. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.
Fixed-rate mortgage
A home loan with an interest rate that remains the same for the entire term of the loan.
Adjustable-rate mortgage (ARM)
Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.S. Treasury-Index (T-Bill) or the Secured Overnight Financing Rate (SOFR) published daily by the New York Fed. Bank of America ARMs generally use SOFR as the basis for ARM interest rate adjustments. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.
Your monthly payment may fluctuate as the result of any interest rate changes, and a lender may charge a lower interest rate for an initial portion of the loan term. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period (the time between interest rate recalculations) and the life of the loan.
We need additional information
In order to provide you with the best possible rate estimate, we need some additional information. Please contact us in order to discuss the specifics of your mortgage needs with one of our home loan specialists.
We offer a wide range of loan options beyond the scope of this calculator, which is designed to provide results for the most popular loan scenarios. If you have flexible options, try lowering your purchase price, changing your down payment amount or entering a different ZIP code.
866.466.0979
Schedule an appointment
866.466.0979
Schedule an appointment
Refinance your mortgage with our low refinance rates — and potentially lower your monthly mortgage payment
Get started
Learn more
or
Get started Learn more about refinance
or
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Today's competitive refinance rates†
Rates based on a $250,000 loan inZIPcode95464
Mortgage Rates Table
30-year fixedpopup
Rate X.XXX%
APR X.XXX%
Points X.XXX
Monthly Payment $XXXX
15-year fixedpopup
Rate X.XXX%
APR X.XXX%
Points X.XXX
Monthly Payment $XXXX
About ARM rates
5y/6m ARMpopup variable
Rate X.XXX%
APR X.XXX%
Points X.XXX
Monthly Payment $XXXX
About ARM rates
Rates based on a $250,000 loan inZIPcode95464
Mortgage Rates Table
30-year fixedpopup
15-year fixedpopup
5y/6m ARMpopup variable
Ratepopup
30 Year Fixed X.XXX%
15 Year Fixed X.XXX%
5y/6m ARM Variable X.XXX%
APRpopup
30 Year Fixed X.XXX%
15 Year Fixed X.XXX%
5y/6m ARM Variable X.XXX%
Pointspopup
30 Year Fixed X.XXX
15 Year Fixed X.XXX
5y/6m ARM Variable X.XXX
Monthly paymentpopup
30 Year Fixed $XXXX
15 Year Fixed $XXXX
About ARM rates
5y/6m ARM Variable $XXXX
About ARM rates
Rate
The rate of interest on a loan, expressed as a percentage.
Annual percentage yield (APR)
The annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, points and loan origination fees) to reflect the total cost of the loan.
Points
An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points. One point equals one percent of the loan amount (for example, 2 points on a $100,000 mortgage would equal $2,000).
Monthly Payment (estimated)
The estimated monthly payment includes principal, interest and any required mortgage insurance (for borrowers with less than a 20% down payment). The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment. If you have an adjustable-rate loan, your monthly payment may change once every six months (after the initial period) based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index, published daily by the New York Fed. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.
Fixed-rate mortgage
A home loan with an interest rate that remains the same for the entire term of the loan.
Adjustable-rate mortgage (ARM)
Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.S. Treasury-Index (T-Bill) or the Secured Overnight Financing Rate (SOFR) published daily by the New York Fed. Bank of America ARMs generally use SOFR as the basis for ARM interest rate adjustments. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.
Your monthly payment may fluctuate as the result of any interest rate changes, and a lender may charge a lower interest rate for an initial portion of the loan term. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period (the time between interest rate recalculations) and the life of the loan.
This estimate requires some additional assistance
The details of this estimate requires some additional assistance from one of our loan specialists. Please contact us in order to discuss the specifics of your loan.
We offer a wide range of loan options beyond the scope of this calculator, which is designed to provide results for the most popular loan scenarios.
866.502.9005
Schedule an appointment
866.502.9005
Schedule an appointment
Leverage the equity in your home and consolidate debt adatext or pay for major expenses with a home equity line of credit
Apply now
Learn more
or
Apply now Learn more about home equity
or
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Talk to a lending specialist at 866.466.0979 or schedule an appointment
Today's competitive home equity rates Disclosures†
You could enjoy a low variable introductory rate on a home equity line of credit
Now:
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Special Introductory variable APRVariable APR Disclosures† for 6 months
Later:
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Variable APRVariable APR Disclosures† after the introductory period
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Variable APRVariable APR Disclosures†
This rate includes discounts of {{ percentage rates.product.defaultDiscountRate }} for automatic payment and {{ percentage rates.product.udeDiscountRate }} for a $60,000 initial withdrawalVariable APR Disclosures†.
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† Home equity assumptions (discount information plus disclosures and additional assumptions) based on a $100,000 line of credit
We're unable to display rates at this time. We apologize for any inconvenience. Our experienced lending specialists are ready to help you with your financing needs:
866.290.4674
Schedule an appointment
866.290.4674
Schedule an appointment
Your home equity line of credit made easy
Start online
Submit your secure application online — there’s no fee and no obligation, and it only takes about 15 minutes. Start your application now.
Work with a specialist
Our experienced specialists will help you every step of the way – and if you decide that predictable monthly payments for a fixed term is best for you, they’ll help you with a Fixed-Rate Loan Option. adatext
Complete the process
Save time and securely upload documents online. If approved, you can enjoy the convenience of closing at a financial centerfinancial center of your choice. After that, you can easily access your new home equity line of credit as
you need it.
Manage your account and make payments using our top-rated Mobile Banking app adatext and Online Banking.
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