Mortgage Rates in NJ with RSI Bank
RSI Bank has been doing business in New Jersey since 1851. The bank offers a number of financial services and bank products including home loans and mortgages. RSI bank offers several home loan programs that are available on properties located throughout the state of New Jersey.
Mortgage loans offered by RSI Bank include standard fixed rate mortgages and adjustable rate mortgages as well as FHA loans and reverse mortgages. The bank also offers biweekly payment home loans for those borrowers that want to pay off their home loan faster by making more frequent payments and save significant costs over the life of the loan.
The reverse mortgage option allows home owners that are 62 years of age and older to borrow against the equity in their home without having to pay anything until they no longer own the property. Reverse mortgages are not based on the income of the borrower or the credit of the borrower.
RSI Bank offers borrowers competitive mortgage rates in New Jersey and for those potential home loan borrowers looking for a new home in New Jersey, the bank provides pre-qualification and pre-approval services.
Along with competitive New Jersey mortgage rates and loan programs, RSI Bank also a number of services to its bank and loan customers. RSI Bank offers automatic payment deductions in which the borrower can pay their RSI loans from an account held at RSI Bank or any other bank. The bank offers online banking which allows customers to view their payment history online 24 hours a day. Additional bank services include telephone banking and the ability to apply for the home loans at the branch or online safely and securely.
Current NJ mortgage rates and NJ mortgage loans offered by RSI Bank include:
A 30 year fixed rate loan in New Jersey has a mortgage rate of 5.125% with no points and an APR of 5.145%.
The same 30 year fixed rate loan is also available with a mortgage rate of 4.875% with 1.00 point that has an APR of 4.982%.
A 15 year term loan has a mortgage rate of 4.500% with no points and an APR of 4.533%.
The bank has a 10 year loan with a mortgage rate of 4.375% and no points with 4.4225 APR.
The bank’s 5 year adjustable rate mortgage that has a 30 year term has a mortgage rate in NJ of 4.625% with no points and an APR of 4.801%
Additional mortgage rates in NJ with varying costs and point options are also available.
NJ mortgage rates and annual percentage rates ( APRs ) listed are for owner-occupied single family homes with a minimum down payment of 20%. Mortgage rates are current as of March 4, 2010. All mortgage rates are subject to change without notice and all home loans are subject to bank approval and conditions.
RSI Bank is based in Rahway, New Jersey. For current mortgage rates and loan terms, a bank loan officer can be reached at 732- 388-1800.
Mortgage Rates and Mortgage Brokers
To understand the function of a mortgage broker, a key component of understanding how they operate is to understand how the mortgage broker sets their mortgage rates.
A mortgage broker is predominantly a credit facilitator. Their job is to obtain the customer, which is the home loan borrower, process the loan request which entails verifying the borrowers employment as well as their assets and credit, submit the loan to a wholesale lender and upon loan approval, coordinate the loan closing.
Mortgage brokers may offer the lowest mortgage rates in the local market or they be the highest or just somewhere in between. Since mortgage broker is technically a facilitator of credit, the mortgage loan is funded by a wholesale mortgage lender or bank. Mortgage wholesale lenders fund the loans for the broker and provide the price at which they will fund the loans.
During the peak boom in mortgage originations, most all of the major banks in the U.S. engaged in wholesale mortgage lending or obtaining mortgage loans from brokers. Citibank, Wells Fargo, Bank of America, US Bank, National City Bank, Chase Bank and HSBC all had wholesale lending divisions which acquired home loans from brokers.
The mortgage rate and any discount points determine the price the wholesale lender will pay for the loan. The mortgage broker makes their money on any extra fees and the increase in rate or points over that paid by the wholesale lender. As an example, if the wholesale lender offers to pay the mortgage broker a mortgage rate of 5.25% and 1 point for a standard $200,000.00 mortgage loan and the broker in turn offers the customer a mortgage rate of 5.25% and 2 points, the mortgage broker makes the 1 point. 1 point represents 1% of the loan amount. The broker could offer the customer 5.75% and 1 point and make their income based on the difference between the 5.25% and 5.75%, as well.
When the amount of money the mortgage broker makes is based upon the difference between the wholesale mortgage rate and the rate to the borrower, this difference is referred to as a yield spread premium.
The mortgage rates established by the mortgage lender will be influenced by the type of loan, the size of the loan and how long the loan is locked for. Different loan types such as adjustable rate mortgages or FHA mortgages have different rates. Since most of the income derived form mortgage originating is based on a percentage of the loan amount, it is not uncommon to see minor difference sin rates base on loan size. And finally, longer loan lock costs more money since the mortgage lender has to honor that rate regardless of what happens to interest rates and mortgage rates in the market during the time of the loan lock and loan closing.
As a real life example of how this functions, the following is a rate from a wholesale mortgage lender in the U.S that funds loans for mortgage brokers and also engages in retail mortgages or loan that are direct to the consumer. The mortgage lender’s name will not be mentioned.
For a 30 year loan, this mortgage lender offers brokers a mortgage rate of 5.00% on a 30 day loan lock at a price of 101.509. This price means the mortgage broker that delivers to the lender on that 30 day lock at 5.00% will be paid 1.509% of the loan amount as a fee or yield spread premium.
That same wholesale lender offers a mortgage rate of 4.625% on 30 day lock at price of 99.253. This means the mortgage lender needs to be paid .747 points to obtain that rate. This can be accomplished if the mortgage broker closed the loan with the borrower at a rate of 4.625% and 2 points. 0.747 points would go the wholesale lender and 1.253 points would be kept by the mortgage broker. This kind of pricing is similar to bond pricing, in which 100 represents the par rate, over 100 is a premium and under 100 is a discount where each point represents 1% of the loan amount.
The longer the loan lock the higher the cost of the home loans. In this example, that same mortgage lender offers the 5.00% rate at 101.022 for a 6o day lock. Since it costs more for a longer lock, the broker makes 1.509% on the 30 day lock and only 1.022% on the 60 day lock. It is a fair assumption that shorter lock makes more money. In this case, the mortgage lender in fact offers a price of 101.696 on a 15 day lock, which is a slightly higher fee for the mortgage broker than the 30 day lock.
Here is what the rate sheet would like to the mortgage broker with the mortgage rate, lock period and price paid:
Rate 15 Day Lock 30 Day Lock 45 Day Lock 60 Day Lock
4.625 99.455 99.253 99.005 98.765
4.750 100.450 100.253 100.000 99.764
4.875 101.188 100.997 100.738 100.509
4.990 101.530 101.343 101.080 100.856
5.000 101.696 101.509 101.246 101.022
5.125 102.122 101.940 101.672 101.453
5.250 103.119 102.943 102.669 102.456
5.375 103.798 103.628 103.348 103.141
Now, to make this fun. Since this example involves a mortgage lender that offers retail services, we can compare the current mortgage rate offered on their website to any old home borrower to those rates they offer mortgage brokers. ( the wholesale rate sheet is not available to consumers and therefore this comparison is available for those in the mortgage business that have access to wholesale mortgage lender rate sheets )
On the mortgage lenders website, this bank is currently offering a 30 year fixed rate loan on a 30 day lock with a mortgage rate of 4.875% and 0.488 points. The same loan can be had at a rate of 4.750% and 1.323 points or 4.990% and 0.142 points per the website on a home loan in Illinois for $200,000.00.
It has been some months since we have reviewed the mortgage broker / retail lender pricing and I must say that the rates to the mortgage brokers look fairly aggressive. If I apply for a mortgage loan with this lender, the 4.99% rate will cost me 0.142 points and whatever other closing costs they have at closing, the mortgage broker can offer a 4.99% rate to me as well and get paid 1.343 points from the lender and make another 0.142 points if they charged the same points that the retail division of that lender charges. That is a total of 1.485 points on the home loan. If the loan amount is $200,000.00 that equates to a payment to the mortgage broker of $2,970.00. Not bad income for originating one loan. Of course, the mortgage broker will have cost for processing the borrowers loan request as well as fixed costs and marketing costs to finds the customers.
Freddie Mac Finally Stops Buying Interest Only Mortgages
Freddie Mac announced, with little fanfare, that it will stop buying and securing mortgage loans that are based on interest only payments. Freddie Mac is the second largest purchaser of home mortgages in the U.S. behind only Fannie Mae. The press release provide by Freddie Mac announced that on or about September 1, 2010, the company will cease purchasing and securitizing interest only mortgages, including Freddie Mac Initial Interest fixed-rate and adjustable-rate mortgages.
Interest only mortgages became popular near the top of the housing boom, allowing buyers to purchase a larger home based on a lower mortgage payment provided by the interest only loan feature. Interest only mortgage loans offered the borrowers the ability to make monthly payments that were only the interest portion of the debt and paid off none of the principal balance.
The interest only option would be for a specified period after which time the loan would require interest and principal payments to retire the debt in full. The interest only period frequently ran from five to ten years and then principal and interest payments would be scheduled on a fully amortizing basis for the remainder of the mortgage term.
Interest only options were available on both fixed rate mortgages and adjustable rate mortgages. These loans allowed homeowners to make purchases during the period when homes were becoming less affordable. The rational for these home loans is certainly suspect, the borrower is eventually going to be confronted with a larger more mortgage payment once the interest only period expires and for both the mortgage lender and home owner, there is no increase in equity during the interest only period unless housing prices continue to ratchet up. The end result, these types of mortgage loans ended up performing worse than conventional, fully amortizing fixed rate loans.
Fewer of these home loan have been produced in the past months since underwriting standards have become stricter. Borrowers need to qualify for the loan based on a fully amortizing payment instead of just the interest only payment and they often require a larger down payment.
These changes may not put an end to these type of home loans forever but there are certainly fewer banks that make loans that do meet the qualifications established by Fannie Mae and Freddie Mac. It is not likely that very many banks will be willing to take the risk of originating these loans without the security of Freddie Mac purchasing or securitizing the loans and leaving the possibly the bank will get stuck with a greater number of non-performing loans.
Florida Mortgage Rates at Federal Trust Bank
Federal Trust Bank is a full service financial institution that provides banking services to individual and corporate customers in Florida. The bank is headquartered in Sanford, Florida and has 11 bank branch locations serving the Central Florida area.
Federal Trust Bank provides a variety of deposit and savings products and services including checking, savings, money market accounts; certificate of deposits; individual retirement accounts as well as a large lending portfolio that includes multi-family residential and commercial real estate loans; and construction, commercial, and consumer loans.
Federal Trust Bank offers several different home loans in Florida to choose from including competitively priced adjustable rate mortgages. The bank offers adjustable rate mortgages with a variety of mortgage rates in Florida and point options.
The conventional adjustable rate mortgage offers lower initial monthly mortgage payments than standard fixed rate mortgages allowing many borrowers to purchase a larger home or allows borrowers to benefit from a lower mortgage rate if they are anticipating a move by the end of the selected fixed term of the adjustable rate mortgage.
Current terms and mortgage rates in Florida offered by Federal Trust Bank include:
A 3 year adjustable rate mortgage has a mortgage rate of 4.375% with 0 points and an APR of 3.463%.
The 3 year adjustable rate mortgage with one point has a mortgage rate of 4.125% and an APR of 3.489%.
The bank’s five year adjustable rate mortgage has a mortgage rate of 5.00% and an APR of 3.859%.
The five year adjustable rate mortgage with one point has a mortgage rate of 4.75% and a 3.852% APR.
Mortgage loans and mortgage rates in Florida offered by Federal Trust Bank are subject to bank approval and additional conditions will apply. The interest rates, annual percentage rates (APRs) and points listed are subject to change without notice. The actual APRs will vary based on the mortgage loan applicant’s final loan amount and finance charges.
For current Florida mortgage rates and to find out more about financing options available from Federal Trust Bank, a bank representative can be reached at 800-226-2829.
Wisconsin and Minnesota Mortgage Rates at The RiverBank
The RiverBank offers a wide assortment of mortgage loans and mortgage rates in Wisconsin and Minnesota. The RiverBank is a Wisconsin based bank with bank branch locations in Wisconsin and Minnesota.
The RiverBank provides a combination of competitive home loan rates and low fees along with good customer service. Part of the customer service involves local loan servicing. With local customer service, The RiverBank mortgage department is available to assist consumers with questions regarding mortgage escrows, interest reporting, loan payment options and other home loan topics for home loans in Minnesota or home loans in Wisconsin.
The RiverBank offers mortgage loans that range from simple fixed rate loans to adjustable rate loans and balloon loans. Home loans are available for borrowers buying their first home or for investment properties.
The conventional fixed rate loan offer financing up to 95% of a home purchase, provided the borrower qualifies for the limited down payment program, or 80% without the added cost of mortgage insurance.
These fixed rate programs may be available for a primary residence whether it is a purchase or a refinance or for a year-round second home. Fixed rate mortgages are also available on investment properties.
The bank offer the adjustable rate mortgages with various payment options and rate adjustments. These loans may be a good choice for a borrower that is looking for a low initial monthly payment and is willing to accept the risk and uncertainty of higher rates and payments in the future.
Current mortgage rates in Wisconsin and Minnesota offered by The RiverBank include:
30 year conventional fixed rate has a mortgage rate of 5.10% with 0 points and a 5.147% APR.
A 30 year fixed rate loan with one point has a mortgage rate of 4.95% and an APR of 5.085%.
A 20 year conventional fixed rate loan has a mortgage rate of 4.95% with 0 points and a 5.013% APR.
A 20 year fixed rate mortgage with one point has a mortgage rate of 4.75% and an APR of 4.933%.
The 15 year conventional mortgage has a mortgage rate of 4.45% with 0 points and a 4.529% APR.
The 15 year with one point has mortgage rate of 4.30% and a 4.530% APR.
A 1yr ARM with The RiverBank has a mortgage rate of 3.875% with 0 points and a 3.225% APR.
Mortgage rates are current as of the date of this publication and are subject to change without notice. All mortgage rates and mortgage loans are subject to bank approval and additional conditions will apply.
The interest rates and fees listed are available to borrowers with an excellent credit history on a single family, owner occupied property not requiring mortgage insurance. The actual mortgage rates and fees available on any particular loan will be based on the borrower’s credit history, income and assets and may be different than the rates displayed here.
To contact The RiverBank regarding current mortgage rates in Wisconsin or Minnesota mortgage rates and home loans, a bank representative can be reached at 888-294-2183. A mortgage loan application can also be filled out online at the bank website.
GMAC Mortgage Rates February 7, 2010
GMAC Mortgage Corporation is among the largest residential mortgage servicers and originators in the U.S. GMAC Mortgage originates first and second residential mortgage loans. Mortgage loans offered by GMAC Mortgage encompass a wide assortment of mortgage loan programs and options for both home purchases and refinances.
GMAC Mortgage is an indirect wholly owned subsidiary of GMAC LLC which includes several financial services companies including Ally Bank, Capmark Financial Group, GMAC Mortgage Subservicing and Ditech Funding.
With GMAC Mortgage, prospective home loan borrowers have several mortgage products to choose from depending on their personal financial situation. GMAC Mortgage traditional mortgage products include fixed rate mortgages, adjustable rate mortgages and FHA loans. All loans come with competitive rates and some of the loans offered include flexible down payment options.
Current mortgage rates and terms offered by GMAC mortgage include the following:
A 30 year fixed rate loan that has a mortgage rate of 5.125% with 0.195 points and an APR of 5.180%.
For buyers that would like a lower a mortgage rate and are willing to pay slightly higher closing costs, GMAC mortgage offers a 30 year fixed rate loan with a mortgage rate of 4.625% and 2.570 points and an APR of 4.888%.
15 year fixed rate loan has a mortgage rate of 4.375% with 0.320 points and an APR of 4.487%.
As an adjustable rate mortgage option, GMAC offers a 5/1 LIBOR ARM that has a mortgage rate of 3.875% with 0.070 points and an APR of 3.916%.
Mortgage interest rates are subject to change, and closing costs depend on the property location and the home loan options. All mortgages are subject to approval and additional conditions will apply.
The mortgage rates and terms listed are based on a home loan of $250,000.00 for a purchase transaction on a single family home valued at $325,000.00 in the state of Illinois.
The mortgage loan process with GMAC can be started easily online at their website or by calling 1.877.941.4622 and speaking with a loan representative.
Before choosing any mortgage loan product, make sure to fully understand the terms and conditions offered.
Regions Mortgage Locations Arkansas
Regions Mortgage is headquartered in Birmingham, Ala. Regions Mortgage is one of the largest residential mortgage loan originators and servicers in the U.S. Regions Mortgage is a part of Regions Financial which is the holding company for Regions Bank. Regions Mortgage has mortgage locations throughout the South, Midwest and Texas.
Regions Mortgage offers a wide variety of options for new home loan borrowers and those existing home owners that may be looking to refinance. Mortgage loan programs offered by Regions Mortgage include fixed rate home loans, adjustable rate mortgages, jumbo loans, FHA and VA loans. All of these mortgage loans also have various terms including standard 15 year and 30 year mortgages. And most all of the mortgage loans offered come with several different mortgage rate and point options to choose from.
Regions Mortgage locations in Arkansas:
Regions Mortgage
318 Hester Drive
Harrison, AR 72601
870-391-8200 - Phone
870-391-8290 - Fax
Regions Mortgage
835 Central Avenue
Hot Springs, AR 71901
501-624-8828 - Phone
501-624-8881 - Fax
Regions Mortgage
400 West Capitol, 2nd FL
Little Rock, AR 72201
501-371-6642 - Phone
501-371-7020 - Fax
Regions Mortgage
723 Garrison Avenue
Fort Smith, AR 72901
479-494-4617 - Phone
479-783-1956 - Fax
Regions Mortgage
5400 Rogers Avenue
Fort Smith, AR 72903
479-478-1200 - Phone
479-478-1270 - Fax
Regions Mortgage
800 South Shackleford
Little Rock, AR 72211
501-221-9364 - Phone
501-223-0869 - Fax
Regions Mortgage
106 South 2nd Street
Cabot, AR 72023
501-843-9344 - Phone
501-843-7051 - Fax
Regions Mortgage
201 S. Denver
Russellville, AR 72801
479-968-1234 - Phone
Regions Mortgage
696 Desoto Blvd.
Hot Springs Village, AR 71909
501-922-3706 - Phone
501-922-4420 - Fax
Regions Mortgage
5050 Northgate Road
Rogers, AR 72758
479-464-1272 - Phone
479-464-1284 - Fax
Regions Mortgage
4900 JFK Blvd
North Little Rock, AR 72116
501-753-7262 - Phone
501-758-3681 - Fax
Regions Mortgage
2400 East Highland
Jonesboro, AR 72401
870-974-5305 - Phone
870-974-5315 - Fax
Regions Mortgage
146 West South Street
Benton, AR 72015
501-315-2000 - Phone
501-303-2130 - Fax
Regions Mortgage
1465 Joyce Blvd
Fayetteville, AR 72703
479-684-5217 - Phone
479-684-5241 - Fax
Regions Mortgage
1023 Main Street and Chestnut
Conway, AR 72032
501-450-4651 - Phone
501-450-4788 - Fax
Regions Mortgage
1507 East Race Street
Searcy, AR 72143
501-230-5389 - Phone
501-268-3686 - Fax
Regions Mortgage
1141 East Main
Batesville, AR 72501
870-793-7551 - Phone
870-698-2237 - Fax
Regions Mortgage
2905 Prince Street
Conway, AR 72032
501-450-4725 - Phone
501-450-4647 - Fax
Mortgage Loans and the Mortgage Note
In making a mortgage loan, the mortgage lender requires the borrower to sign a promissory note. The mortgage note or loan note, which must be in writing, provides evidence that a valid debt exists. The note covers the terms of repayment for the home loan. The note contains a promise that the borrower will be personally liable for paying the amount of money set forth in the note and specifies the manner in which the debt is to be paid. Payment is typically in monthly installments of a stated amount, starting on a specific date. The note also states the annual rate of interest or mortgage rate to be charged on the outstanding principal balance of the home loan.
The mortgage note is a negotiable instrument. It is an unconditional promise or order to pay a specified sum of money on demand at a definite time or, in the case of home loans, at definite time intervals. The note is made “to the order of “or “to bearer”. The negotiability of an instrument allows it to function the same as currency. Promissory notes, stocks, bonds, and checks are examples of negotiable instruments. The person responsible for the notes payment may be called the payor, promisor, or obligor. The person who is to receive the money may be called a payee, promise, or oblige. In real estate, mortgage lenders will require the buyer to sign a security instrument such as a mortgage or trust deed, which are not negotiable instruments. The mortgage is the security instrument that pledges the property as collateral for the loan.
Understanding the terms, interest rate and principal is essential to understanding notes, mortgages, deeds of trust, and all real estate financing methods. Interest is the money paid for using someone else’s money the interest rate is the rate at which the interest is calculated. The principal is the amount of money on which interest is either paid or received. In the case of an interest bearing note, principal is the amount of money the lender has lent the borrower and on which the borrower will pay interest to the mortgage lender.
The note can be an interest only note on which interest is paid periodically until the note matures and the entire principal balance is paid at maturity. Construction loans or notes are usually of this type. Or the note can be a single payment loan that requires no monthly mortgage payments on either principal or interest until the note matures, and the entire principal and interest is paid at maturity. This is seen more frequently in short term notes. The note also can be an amortizing note in which periodic monthly payments are made on both principal and interest until such time as the principal is completely paid. Most mortgage loans are of this type.
The original principal is the total amount of the note or the home loan. This amount remains the same in an interest only or a one payment loan until the entire principal is paid. In a amortizing mortgage loan, periodic monthly mortgage payments are applied first toward the interest and amount of principal gradually decreases. As each successive payment is made, the interest is applied to the declining principal balance; therefore with each successive payment, the interest portion of the payment decreases and the principal portion increases. The first payment is applied mostly toward interest, and the last payment is applied mostly toward principal. The payments can be set at a fixed rate for the life of the home loan, or they can fluctuate as adjustable rate mortgages do based on a specified index, or they can change at set intervals according to a set formula.
Simple interest is usually used to calculate mortgage loan interest. This means the annual rate of interest is used to calculate payments even though payments normally are made monthly. Payments sometimes are set up to be paid quarterly or annually. A payment plan in which payments are made every two weeks or biweekly mortgages have become popular because it reduces the term of the loan and saves a significant amount of interest over the life of the loan. A current home loan can sometimes be converted into a biweekly payment plan.
Mortgage loan interest almost always is calculated in arrears, although it sometimes is calculated in advance. If interest is calculated in arrears, a monthly payment due on the first of the month includes interest for using the money during the previous month. If interest is calculated in advance, a monthly payment due on the first of the month includes interest for the month in which the payment is due. When paying off or assuming a mortgage loan, one must know if the interest is paid in advance or in arrears to determine the amount of interest owed or to be prorated at the home loan closing. Interest must be paid in arrears on all loans sold in the secondary mortgage market.
Regions Mortgage Locations Texas
Regions Mortgage is one of the larges residential mortgage loan originators and servicers in the US. Regions Mortgage has mortgage loans offices throughout the South, Midwest and Texas.
Regions Mortgage offers fixed and adjustable rate mortgages, jumbo loans, FHA and VA loans. Home loans are available for primary residences, second homes and investments properties.
Regions Mortgage is part of Regions Financial Corporation which operates as the holding company for the Regions Bank. Regions Bank provides a wide range of commercial, retail, and mortgage banking services in the US. Regions Bank operates over 1,800 branch bank locations as well as over 2,200 automated teller machines in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia.
Regions Mortgage locations in Texas:
Regions Mortgage
1000 West Southwest Loop 323
Tyler, TX 75701
903-594-7800 - Phone
903-594-7842 - Fax
Regions Mortgage
7044 F M 1060 East
Humble, TX 77346
281-852-8897 - Phone
Regions Mortgage
5005 Woodway
Houston, TX 77056
713-426-7100 - Phone
713-426-7185 - Fax
Regions Mortgage
7585 South Broadway
Tyler, TX 75703
903-581-7247 - Phone
903-581-8053 - Fax
Regions Mortgage
213 North Fredonia
Longview, TX 75601
903-237-3510 - Phone
903-237-3520 - Fax
Regions Mortgage
1111 West Mockingbird Lane, 2nd Floor
Dallas, TX 75247
214-678-3944 - Phone
214-678-3955 - Fax
Regions Mortgage
2000 Richmond Rd.
Texarkana, TX 75503
903-832-2551 - Phone
903-832-0070 - Fax
Regions Mortgage
1111 W. Mockingbird Lane, 12th Floor
Dallas, TX 75247
214-678-2580 - Phone
214-678-3992 - Fax
Regions Mortgage
100 Main Street
Fort Worth, TX 76102
817-810-2000 - Phone
817-810-2001 - Fax
Regions Mortgage
910 E. Hawkins Parkway
Longview, TX 75606
903-663-2247 - Phone
903-663-7305 - Fax
Regions Mortgage
100 East Ferguson
Tyler, TX 75702
903-595-1941 - Phone
903-535-4223 - Fax
Regions Mortgage
6910 North Eldridge Pkwy
Houston, TX 77041
713-466-7283 - Phone
713-896-7073 - Fax
Regions Mortgage
810 West Main Street
Tomball, TX 77375
281-351-1691 - Phone
281-351-8708 - Fax
Regions Mortgage
704 S. John Redditt Drive
Lufkin, TX 75904
936-634-3578 - Phone
936-634-3566 - Fax
Regions Mortgage
2051 West Main
League City, TX 77573
281-332-7575 - Phone
281-332-7848 - Fax
Regions Mortgage
4314 W Braker Lane Ste 200
Austin, TX 78759
512-372-2350 - Phone
512-372-2360 - Fax
Regions Bank Mortgage Locations in Alabama
Regions Mortgage is headquartered in Birmingham, Alabama and is part of Regions Financial Corporation which provides a wide assortment of commercial, retail, and mortgage banking services in the United States.
Regions Mortgage has locations in 16 states with over 600 loan officers. The Regions Mortgage division of Regions Financial Corporation offers an assortment of home financing options to choose from including fixed and adjustable rate mortgages, jumbo home loans, FHA and VA loans.
A Regions Mortgage loan originator can be found in each of the 16 states that Regions Mortgage operates in as well as by calling the main mortgage phone line at 1-877-536-3286.
Regions Mortgage Alabama locations with the complete address and phone numbers:
Regions Mortgage
5420 Hwy 280
Birmingham, AL 35242
205-581-7900 - Phone
205-995-5762 - Fax
Regions Mortgage
6729 M Spanish Fort Blvd.
Spanish Fort, AL 36527
251-431-8122 - Phone
251-431-8123 - Fax
Regions Mortgage
5100 US Hwy 231
Wetumpka, AL 36092
334-567-4713 - Phone
334-567-3942 - Fax
Regions Mortgage
2025 Gunter Ave
Guntersville, AL 35796
256-571-0501 - Phone
256-571-0303 - Fax
Regions Mortgage
825 Schillinger Road
Mobile, AL 36608
251-639-7271 - Phone
251-639-7277 - Fax
Regions Mortgage
3201 Ross Clark Circle
Dothan, AL 36305
800-982-8768 - Toll Free
334-677-2588 - Phone
334-793-1192 - Fax
Regions Mortgage
2050 Parkway Office Circle
Birmingham, AL 35244
205-560-5652 - Phone
205-560-6378 - Fax
Regions Mortgage
5202 Cottage Hill Road
Mobile, AL 36695
251-660-1147 - Phone
251-431-8261 - Fax
Regions Mortgage
24190 Highway 98, Suite D
Fairhope, AL 36532
251-990-7134 - Phone
251-990-7139 - Fax
Regions Mortgage
3172 Cahaba Heights Village
Birmingham, AL 35243
205-977-5902 - Phone
205-977-5907 - Fax
Regions Mortgage
1200 Broad Street
Phenix City, AL 36867
334-291-3355 - Phone
334-291-3353 - Fax
Regions Mortgage
24037 Perdido Beach Blvd.
Orange Beach, AL 36561
251-974-1948 - Phone
251-974-2086 - Fax
Regions Mortgage
2222 9th Street
Tuscaloosa, AL 35401
205-349-1511 - Phone
205-750-2817 - Fax
Regions Mortgage
930 Wilmer Ave
Anniston, AL 36202
256-236-8241 - Phone
256-236-3121 - Fax
Regions Mortgage
429 Main Street
Trussville, AL 35173
205-655-4168 - Phone
205-655-1529 - Fax
Regions Mortgage
3250 Airport Blvd, Suite F-1
Mobile, AL 36606
251-434-3330 - Phone
251-479-1088 - Fax
Regions Mortgage
98 South Greeno Road
Fairhope, AL 36533
251-990-4134 - Phone
251-990-4139 - Fax
Regions Mortgage
110 East College Street
Enterprise, AL 36330
334-347-0502 - Phone
334-347-0124 - Fax
Regions Mortgage
Hwy 31 South
Pelham, AL 35124
205-621-7961 - Phone
205-621-7963 - Fax
Regions Mortgage
2154 Moores Mill Road
Auburn, AL 36830
334-501-0293 - Phone
334-887-2298 - Fax
Regions Mortgage
421 South Hwy 43
Saraland, AL 36571
251-442-0978 - Phone
251-679-4538 - Fax
Regions Mortgage
1900 5th Avenue North
Birmingham, AL 35203
205-581-7900 - Phone
205-307-4130 - Fax
Regions Mortgage
351 Hughes Rd
Madison, AL 35758
256-772-4944 - Phone
256-772-4939 - Fax
Regions Mortgage
520 Montgomery Highway
Vestavia Hills, AL 35216
205-716-1930 - Phone
205-823-1082 - Fax
Regions Mortgage
200 Corporate Ridge North
Birmingham, AL 35242
205-716-1985 - Phone
205-716-1990 - Fax
Regions Mortgage
1592 Montgomery Highway
Birmingham, AL 35216
205-715-2658 - Phone
205-716-1114 - Fax
Regions Mortgage
321 N. Seminary Street
Florence, AL 35630
800-267-6884 - Toll Free
256-760-6200 - Phone
256-760-6233 - Fax
Regions Mortgage
30083 Woodrow Lane
Daphne, AL 36527
251-431-8114 - Phone
251-431-8115 - Fax
Regions Mortgage
204 East Avalon Aveune
Muscle Shoals, AL 35661
256-386-5406 - Phone
256-386-5402 - Fax
Regions Mortgage
100 Grand Aveune
Fort Payne, AL 35967
800-267-6884 - Toll Free
256-845-8600 - Phone
256-845-8608 - Fax
Regions Mortgage
408 Court House Square
Bay Minette, AL 36507
251-580-0132 - Phone
251-580-0142 - Fax
Regions Mortgage
330 N 19th St
Bessemer, AL 35020
205-326-7554 - Phone
205-481-1293 - Fax
Regions Mortgage
7158 Cottage Hill
Mobile, AL 36695
351-634-9470 - Phone
351-634-9543 - Fax
Regions Mortgage
3065 John Hawkins Pkwy
Hoover, AL 35244
205-444-9252 - Phone
205-988-5139 - Fax
Regions Mortgage
1805 Highway 14 East
Prattville, AL 36066
334-361-9166 - Phone
334-923-5540 - Fax
Regions Mortgage
200 Clinton Avenue West, 1st Floor
Huntsville, AL 35801
256-535-6941 - Phone
256-535-6913 - Fax
Regions Mortgage
8301 Crossland Loop
Montgomery, AL 36117
334-213-1340 - Phone
334-213-1360 - Fax
Regions Mortgage
891 Hillcrest Road
Mobile, AL 36695
251-602-8740 - Phone
251-639-1329 - Fax
Regions Mortgage
200 Broad Street
Gadsden, AL 35901
256-549-3532 - Phone
256-549-3568 - Fax
Regions Mortgage
100 West Roosevelt Ave
Foley, AL 36535
251-943-6945 - Phone
251-943-4293 - Fax
Regions Mortgage
310 Highway 78 East
Jasper, AL 35501
205-384-3123 - Phone
205-384-7134 - Fax
Regions Mortgage provides various options to choose from regarding mortgages for purchasing homes as well as existing mortgage loan refinances. Home loan programs cover fixed rate term loans as well as adjustable rate mortgages. The fixed rate mortgages offer security of having the same mortgage rate over the life of the loan while the adjustable rate mortgages allows a home loan borrower to take advantage of a lower starting interest rate. Regions Mortgage also has loan programs for first time home buyers as well as new construction loans.