Today’s Wells Mortgage Rates
Today’s Wells Mortgage rates remained relatively stable after the bond market gyrated rather measurably over the past week. Wells Mortgage rates are some of the lowest mortgage rates among the top bank mortgage lenders. Wells Mortgage offers competitive mortgages rates for both buying a home and refinancing an existing home loan.
With the economy failing to move measurably higher and overall inflation expectations remaining low, bank mortgage rates are expected to stay within a tight range for the near future. Unfortunately, low mortgage rates from Wells Mortgages and other bank mortgage lenders have failed to help the battered housing market after the tax credit offered by Congress expired.
The vast majority of mortgage loans originated this year by Wells Mortgage and other major bank mortgage lenders are generated toward loans that can be sold and that meet the underwriting criteria of government supported agencies of Fannie Mae, Freddie Mac and the Federal Housing Administration.
Today’s Wells mortgage rates for home loans involved on a purchase transaction that meet the criteria of FNMA, FHLMC and FHA include the following mortgage rates and terms:
30 year fixed Wells Mortgage rate is 4.375% with 1.0 point and a 4.530% APR.
The 15 year Wells Mortgage rates is 3.750% with 1.0 point and a 4.017% APR.
A 30 year fixed rate FHA home loan from Wells Mortgage is 4.375% with 1.0 point and a 4.721% APR.
The 5 year adjustable rate mortgage from Wells Mortgage has a start rate of 2.75% with 1.0 point and a 3.138% APR.
When it comes to home loans for a refinance from Wells Mortgage, the mortgage rate is slightly higher. Wells mortgage rates for refinance transactions include the following mortgage rates and terms:
Wells Mortgage rates for a 30 year fixed rate refinance is at 4.50% with 1.0 point and a 4.656% APR.
The 15 year mortgage refinance rate is 3.875% with 1.0 point and a 4.143% APR.
A 30 year FHA refinance from Wells mortgage ahs a mortgage rate of 4.50% with 1.0 point and a 4.848% APR.
The 5 year adjustable rate mortgage for a mortgage refinance is 3.00% with 1.0 point and a 3.225% APR.
Wells Mortgage interest rates will vary according to the credit score, property location, down payment, loan amount and other factors. These mortgage rates are for customers with excellent credit scores with a 20% down payment on a single family owner occupied property.
The interest rates, annual percentage rates (APRs), discount points and costs shown are subject to change without notice. The APR for individual loan requests will vary based on the final loan amount and finance charges.
For more information on Well Mortgage loan products and Wells Mortgage rates for home buying or refinance transactions, a bank loan representative can be reached at 877-937-9357.
The Wells Mortgage rates listed are for mortgage loans in California however a quick check of today’s Wells Mortgage rates indicates that the Illinois mortgage rates, Florida mortgage rates, Massachusetts mortgage rates, New York mortgage rates, Texas mortgage rates, Pennsylvania mortgage rates, West Virginia mortgage rates, Ohio mortgage rates, Michigan mortgage rates, Georgia mortgage rates, North Carolina mortgage rates, Wisconsin mortgage rates and New Jersey mortgage rates from Wells Mortgage were same for the mortgage loan products listed.
NC Bank Mortgage Lenders
When you start to look for a next home or refinance and existing loan in North Carolina a key step is to compare North Carolina mortgage lenders and North Carolina mortgage rates.
No matter what the home loan situation, the right mortgage solution starts with local mortgage lenders and North Carolina has an abundance of large bank mortgage lenders.
The NC mortgage lenders listed not only provide conventional, fixed, or adjustable rate (ARM) mortgages but most also offer FHA Insured mortgage loans and VA loans in North Carolina.
Use the contact list of the top bank mortgage lenders in North Carolina to learn about the types of mortgages available to before applying for a new loan or even before the start of house hunting. The home loan chosen will directly affect how much house a borrower can afford and the amount of their monthly payments.
While most of the news coming from the housing sector has been negative, mortgage rates in NC have continued to drift lower making home loans much more affordable and refinancing existing loans a viable financial option to save money.
The top ten bank mortgage lenders based in NC listed by total assets include:
Bank of America, the second largest bank in the nation is the largest bank mortgage lender in North Carolina. Bank of America has a lot of bank branches, over 5,900 retail banking offices across the U.S. Bank of America mortgage department can be reached at 888-233-4124.
Branch Banking and Trust Company or BB&T Bank is the 10th largest bank in the nation and the second largest NC based bank mortgage lender. BB&T Bank has 1,800 banking centers in the Carolinas, Virginia, West Virginia, Kentucky, Georgia, Tennessee, Maryland, Florida, Alabama, Indiana, Texas and Washington, D.C. BB&T Bank can be reached at 800-226-5228.
RBC Bank also calls NC home and is the among the top 50 largest bank mortgage lenders in the US and the third largest in NC. RBC Bank has over 420 bank branches serving North Carolina, South Carolina, Virginia, Georgia, Florida and Alabama. An RBC Bank loan officer can be reached at 800-789-1108.
First-Citizens Bank & Trust Company is the fourth largest bank in NC. First-Citizens Bank & Trust has 370 bank branches in North Carolina, Virginia, West Virginia, Tennessee, Maryland, California and Washington. The main customer service number for the bank is 888-323-4732.
First Bank, based in Troy, NC is the fifth largest bank mortgage lender in The Tar Heel State. First Bank operates in NC, SC and Virginia. The bank has over 90 bank branches. First Bank can be reached at 866-792-4357.
Yadkin Valley Bank and Trust Company is the sixth largest NC bank mortgage lender. Yadkin Valley Bank and Trust Company encompasses five community banks, Piedmont Bank, High Country Bank, American Community Bank and Cardinal State Bank and has 42 branch branches in NC. Yadkin Valley Bank can be reached at 336-526-6382.
Communityone Bank is based in Asheboro, NC and is the seventh largest bank. FNB United Corp. is the bank holding company for Communityone Bank and the bank’s subsidiary, Dover Mortgage Company. Communityone Bank operates 45 bank offices throughout central, southern and western North Carolina.
The number 8 bank lender is NewBridge Bank. NewBridge Bank has 40 bank branch locations in the Piedmont Triad of North Carolina, the Wilmington, NC area and the area surrounding Harrisonburg, VA. NewBridge Bank is available at 800-991-4243.
Capital Bank headquartered in Raleigh is the ninth bank mortgage lender. Capital Bank has 32 bank branch offices in ten counties throughout North Carolina. The bank customer service number is 800-308-3971.
Southern Community Bank and Trust is the tenth biggest bank mortgage lender in NC. Southern Community Bank and Trust is headquartered in Winston-Salem, North Carolina. Southern Community Bank and Trust is a community bank with 22 bank offices throughout North Carolina. Southern Community Bank and Trust can be reached at 888-768-2666.