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Home Loans and Rates
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Let us help find the home loan that's right for you
Our home loans — and low home loan rates — are designed to meet your specific home financing needs
Today's competitive mortgage rates† disclosures Dagger Intro Rate Mortgage
Rates based on a $200,000 loan in ZIP code 95464
Mortgage Rates Table
Rates based on a $200,000 loan in ZIP code 95464
Mortgage Rates Table
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
Rates based on a $250,000 loan in ZIP code 95464
Mortgage Rates Table
Rates based on a $250,000 loan in ZIP code 95464
Mortgage Rates Table
30 Year Fixed $XXXX
15 Year Fixed $XXXX
5y/6m ARM Variable $XXXX
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
Today's competitive home equity rates Disclosures†
You could enjoy a low variable introductory rate on a home equity line of credit
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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:
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