Chase Bank Mortgage Rates Under 5.00%

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chase-bank-mortgage-ratesChase Bank is advertising some of the best mortgage rates available today. We were quoted current mortgage rates for a single family home mortgage in the state of California, with a price of $400,000, a 20 percent down payment and with having an excellent credit history.

The mortgage loan rates quoted were a mixture of fixed mortgage rates and adjustable mortgage rates.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.119
4.000
USD
Bank of America
4.119%
4/24/2019
4.000%
at 0.988 pts
60 day lock rate
Est payment: $1,432.25
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.219
4.125
USD
Apple Federal Credit Union
4.219%
4/24/2019
4.125%
at 1.000 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.539
4.500
USD
Fulton Bank, NA
4.539%
4/23/2019
4.500%
at 0.125 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.328
4.250
USD
Virginia Credit Union
4.328%
4/23/2019
4.250%
at 0.375 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.278
4.250
USD
TD Bank, NA
4.278%
4/19/2019
4.250%
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/23/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/23/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.432
4.375
USD
State Department Federal Credit Union
4.432%
4/22/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.316
4.250
USD
Northwest Federal Credit Union
4.316%
4/24/2019
4.250%
at 0.750 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
4/18/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
Raymond James Bank, NA
4.537%
4/23/2019
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.






Where are mortgage rates currently headed? Use our mortgage rate tables to find current mortgage rates in your zip code:

Current Mortgage Rates Here

The mortgage loans were all under 5.00 percent except for a 30-year fixed with 1.25 discount points. Points or discount points allow you to pay a fee up front to buy down the mortgage rates. Often when refinancing a mortgage the points are rolled into the mortgage home loan if you have enough equity.

The mortgage rate we received for a fixed rate 30-year mortgage is 5.125 percent, with 1.25 points. You can get an interest rate under 5.00 percent if you are willing to buy more discount points. The 30-year fixed rate mortgage is only 4.875 percent with 2.375 discount points.

The mortgage interest rate for a fixed rate 15-year mortgage is 4.50 percent with 1.375 discount points. The bank mortgage rate is 4.25 percent with 2.625 discount points. On a $320,000 mortgage loan with 2.625 points the upfront cost would be $8,400 so buying down the mortgage rate only pays if you plan to be in the home a long time.

The adjustable mortgage rates were also some of the best mortgage interest rates around. Today's mortgage rate on a one-year ARM at Chase Bank is 4.00 percent with 1.125 points. For a 5/1 ARM the home loan rate is also 4.00 percent with 1.125 points, the 5/1 mortgage rate can be brought down to 3.625 percent with 2.00 discount points. The 7/1 adjustable mortgage rate is 4.50 percent with 1.125 discount points and 4.00 percent with 2.25 discount points.
 
Author: Brian McKay
August 25th, 2009