Skip to main content

Home Loans and Rates

Let us help find the home loan that's right for you

Your prequalification

If you're an existing customer please log in to Online Banking, if not please log in as a guest.

Our home loans — and low home loan rates — are designed to meet your specific home financing needs

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 in ZIP code 95464

$60,000 - $2.5 million

5% or more of purchase price

Mortgage Rates Table

30-year fixed popup

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

15-year fixed popup

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

5y/6m ARM popup variable

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

Mortgage rates valid as of date/time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). Select the About ARM rates link for important information, including estimated payments and rate adjustments

Rates based on a $200,000 loan in ZIP code 95464

$60,000 - $2.5 million

5% or more of purchase price

Mortgage Rates Table

 

30-year fixed popup

15-year fixed popup

5y/6m ARM popup variable

30 Year Fixed X.XXX%

15 Year Fixed X.XXX%

5y/6m ARM Variable X.XXX%

30 Year Fixed X.XXX%

15 Year Fixed X.XXX%

5y/6m ARM Variable X.XXX%

30 Year Fixed X.XXX

15 Year Fixed X.XXX

5y/6m ARM Variable X.XXX

30 Year Fixed $XXXX

15 Year Fixed $XXXX

5y/6m ARM Variable $XXXX

Mortgage rates valid as of date/time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). Select the About ARM rates link for important information, including estimated payments and rate adjustments

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.

Refinance your mortgage with our low refinance rates — and potentially lower your monthly mortgage payment

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 in ZIP code 95464

Estimate your home value

Balance left on your mortgage

Mortgage Rates Table

30-year fixed popup

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

15-year fixed popup

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

5y/6m ARM popup variable

Rate X.XXX%

APR X.XXX%

Points X.XXX

Monthly Payment $XXXX

Refinance rates valid as of and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM). Select the About ARM rates link for important information, including estimated payments and rate adjustments.

Rates based on a $250,000 loan in ZIP code 95464

Estimate your home value

Balance left on your mortgage

Mortgage Rates Table

 

30-year fixed popup

15-year fixed popup

5y/6m ARM popup variable

30 Year Fixed X.XXX%

15 Year Fixed X.XXX%

5y/6m ARM Variable X.XXX%

30 Year Fixed X.XXX%

15 Year Fixed X.XXX%

5y/6m ARM Variable X.XXX%

30 Year Fixed X.XXX

15 Year Fixed X.XXX

5y/6m ARM Variable X.XXX

30 Year Fixed $XXXX

15 Year Fixed $XXXX

5y/6m ARM Variable $XXXX

Refinance rates valid as of and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM). Select the About ARM rates link for important information, including estimated payments and rate adjustments.

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.

Leverage the equity in your home and consolidate debt adatext or pay for major expenses with a home equity line of credit

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:

{{ percentage rates.product.promoOffer.introRateAmount }}

Special Introductory variable APRVariable APR Disclosures for 6 months

Later:

{{ percentage rates.product.currentAPR }}

Variable APRVariable APR Disclosures after the introductory period

(based on rates as of {{ date rates.product.effectiveDate }} and can change)

{{ percentage rates.product.currentAPR }}

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.

(based on rates as of {{ date rates.product.effectiveDate }} and can change)

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:

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.

Talk to
Talk to your lending specialist
your lending specialist:
from your lending specialist:

Connect with us

Lending Specialist

NMLS ID:

Meet with us

 

Mon-Fri 8 a.m.-10 p.m. ET
Sat 8 a.m.-6:30 p.m. ET
Schedule an appointment

Find another lending specialist
Enter a ZIP or city

Schedule an appointment

Mon-Fri 8 a.m.-10 p.m. ET
Sat 8 a.m.-6:30 p.m. ET

Find a location

Mon-Fri 8 a.m.-10 p.m. ET
Sat 8 a.m.-6:30 p.m. ET

Call us

Mon-Fri 8 a.m.-10 p.m. ET
Sat 8 a.m.-6:30 p.m. ET

Get a call back layer