Barnesville, Maryland Refinance Rates Today for October 2026
Brian McKay
Brian McKay
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Current refinance rates for Barnesville, Maryland borrowers from lenders serving Maryland today start at 6.125% for a 30 year fixed and 6.125% for a 15 year fixed, compared with Maryland averages of 7.262% and 6.79%. Barnesville, Maryland mortgage refinance rates from lenders serving Maryland range from 4.54% to 9.75%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates for Barnesville, Maryland borrowers from lenders serving Maryland include State Employees Credit UnionState Employees Credit UnionA5.0 ★Texas Ratio: 6.00%Rate verified Oct 29, 2026 at 6.875%, Univest BankUnivest BankA5.0 ★Texas Ratio: 6.10%Rate verified Oct 31, 2026 at 7.25%, Cedar Point Federal Credit UnionCedar Point Federal Credit UnionA+5.0 ★Texas Ratio: 2.72%Rate verified Oct 28, 2026 at 6.125%, Securityplus Federal Credit UnionSecurityplus Federal Credit UnionA5.0 ★Texas Ratio: 9.19%Rate verified Oct 28, 2026 at 6.50%, and Destinations Credit UnionDestinations Credit UnionA+5.0 ★Texas Ratio: 1.41%Rate verified Oct 29, 2026 at 6.625%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Barnesville homeowners can compare 156 refinance rates from 32 lenders serving the Maryland area, with refinance rates as low as 6.125% from Cedar Point Federal Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Maryland homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Barnesville, Maryland & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Barnesville, MD lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Barnesville 30 Year Fixed Refinance Rates
Refinance rates current as of October 29, 2026
Refinance rates current as of October 29, 2026
P&I payment: $1,364.35; Interest rate and APR for refinance transactions; Rates subject to change without notice
Conventional Loans; Rates information accurate as of August 20, 2026
VA Loans; Rate information is accurate as of October 9, 2026
Mortgage; Conventional Mortgage Rates
Payment Example ($150,000 Loan Amount): $960.47; APR is the lowest rate available for qualified members
- Oct 26, 20266.79%▼ from 7.59%
- Oct 19, 20267.59%first recorded
Home refinance; based on $187,500 loan amount and property value of at least $250,000; APR is for a borrower with a 750 credit score; 30-year term = 360 months; effective 10/28/2026; 30-day lock
- Oct 28, 20266.82%▼ from 6.88%
- Oct 23, 20266.88%▼ from 7.01%
- Oct 15, 20267.01%▼ from 7.05%
- Oct 8, 20267.05%▲ from 6.84%
Mortgage; rates based on 780 FICO, purchase or no cash-out refinance; APR assumes $400,000 loan, 20% down
- Oct 31, 20266.95%▼ from 7.20%
- Oct 20, 20267.20%▼ from 7.33%
- Oct 7, 20267.33%▲ from 6.70%
- Sep 7, 20266.70%first recorded
As Low As; Fixed Rates; 1 Point Option
- Oct 5, 20266.96%▲ from 6.84%
- Sep 22, 20266.84%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.46%
- Sep 14, 20266.46%first recorded
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As of 10/30/2026; VA Mortgage
Purchase Rates
Purchase Rates
Home refinance; based on $187,500 loan amount and property value of at least $250,000; APR is for a borrower with a 750 credit score; 30-year term = 360 months; effective 10/28/2026; 30-day lock
- Oct 28, 20267.07%▼ from 7.10%
- Oct 23, 20267.10%▲ from 6.92%
- Oct 15, 20266.92%▼ from 7.28%
- Oct 8, 20267.28%▲ from 7.18%
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20267.09%▼ from 7.22%
- Oct 22, 20267.22%first recorded
As Low As; Fixed Rates; 0 Points Option
- Oct 5, 20267.12%▲ from 6.99%
- Sep 22, 20266.99%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.61%
- Sep 14, 20266.61%first recorded
No additional details available.
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
LTV: up to 95%; Conforming Mortgage Rates for up to $832,750; Limited to the State of Maryland; Effective as of 10/06/2026
- Oct 21, 20267.19%▲ from 6.67%
- Sep 27, 20266.67%first recorded
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
No additional details available.
- Oct 30, 20267.20%▼ from 7.36%
- Oct 19, 20267.36%first recorded
Rates effective as of 10/28/2026; based on a 45 day lock
- Oct 28, 20267.21%▼ from 7.46%
- Oct 2, 20267.46%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 16, 20267.08%first recorded
Down Payment: 20%; Monthly payments per $1,000 borrowed: 360 months of $6.65; Loan payment is interest only during construction period; Add .50% for JUMBO loans over $832,750.00
- Oct 22, 20267.23%▲ from 7.10%
- Oct 7, 20267.10%▲ from 6.72%
- Sep 15, 20266.72%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20267.29%▼ from 7.79%
- Oct 20, 20267.79%first recorded
As of 10/30/2026; Loan limits vary by county.
Loan to Value: Up to 80%; Construction to Permanent Loan; interest only payments during first 12 months of construction; Rates as of October 29, 2026
- Oct 29, 20267.35%▼ from 7.47%
- Oct 23, 20267.47%▼ from 7.60%
- Oct 13, 20267.60%first recorded
Rates effective as of 10/28/2026; based on a 45 day lock
Rates as of October 29, 2026; Rates apply to loans up to the current FHFA conforming loan limit
- Oct 28, 20267.37%▲ from 7.23%
- Oct 12, 20267.23%first recorded
As Low As; Mortgage Rates Effective Date: Thursday, October 29th, 2026
Purchase transactions only; P&I payment: $1,364.35
Loan Amount: $400,000; Rates as low as, based on 80% LTV, primary residence purchase; Alternate option: 7.125% rate / 7.244% APR at 1.000 points
- Oct 23, 20267.40%▼ from 7.77%
- Oct 9, 20267.77%▲ from 7.65%
- Oct 5, 20267.65%▼ from 7.90%
- Oct 2, 20267.90%▲ from 7.65%
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 26, 20267.41%▲ from 7.28%
- Oct 19, 20267.28%first recorded
No additional details available.
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
- Oct 31, 20267.45%▼ from 7.83%
- Oct 7, 20267.83%first recorded
Effective 10/28/2026
- Oct 28, 20267.45%▼ from 7.58%
- Oct 15, 20267.58%first recorded
As of 10/30/2026; All mortgage rates listed with zero points unless otherwise noted
Effective 10/28/2026
Effective 10/28/2026
Conforming Loans; HomeReady product, subject to income and underwriting eligibility (Fannie Mae); Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 26, 20267.53%▲ from 7.41%
- Oct 19, 20267.41%first recorded
No additional details available.
Rates as of: October 25, 2026; Base Rate 7.500%; APR as low as 7.597%
- Oct 19, 20267.60%▲ from 7.09%
- Oct 1, 20267.09%first recorded
Rates effective as of 10/28/2026; based on a 45 day lock
Effective 10/28/2026
Purchase transactions only; FHA & VA; P&I payment: $1,364.35
No additional details available.
Purchase Rates
Barnesville 15 Year Fixed Refinance Rates
Refinance rates current as of October 29, 2026
P&I payment: $1,769.82; Interest rate and APR for refinance transactions; Rates subject to change without notice
As Low As; (15-Year Fixed); rate label shown without APR label
- Oct 26, 20266.13%▼ from 6.50%
- Oct 9, 20266.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Mortgage; Conventional Mortgage Rates
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Payment Example ($150,000 Loan Amount): $1275.94; APR is the lowest rate available for qualified members
- Oct 26, 20266.39%▼ from 6.52%
- Oct 19, 20266.52%▲ from 5.88%
- Sep 14, 20265.88%first recorded
Mortgage; rates based on 780 FICO, purchase or no cash-out refinance; APR assumes $400,000 loan, 20% down
- Oct 31, 20266.42%▼ from 6.53%
- Oct 20, 20266.53%▼ from 6.67%
- Oct 7, 20266.67%▲ from 5.92%
- Sep 7, 20265.92%first recorded
As Low As; Fixed Rates; 1 Point Option
- Oct 26, 20266.47%▲ from 6.34%
- Oct 5, 20266.34%▲ from 6.22%
- Sep 22, 20266.22%▲ from 5.96%
- Sep 18, 20265.96%▲ from 5.84%
As Low As; Fixed Rates; 0 Points Option
- Oct 26, 20266.56%▲ from 6.43%
- Oct 5, 20266.43%▲ from 6.31%
- Sep 22, 20266.31%▲ from 6.06%
- Sep 18, 20266.06%▲ from 5.93%
Home refinance; based on $187,500 loan amount and property value of at least $250,000; APR is for a borrower with a 750 credit score; 15-year term = 180 months; effective 10/28/2026; 30-day lock
- Oct 28, 20266.60%▼ from 6.67%
- Oct 23, 20266.67%▼ from 6.79%
- Oct 15, 20266.79%▼ from 6.79%
- Oct 8, 20266.79%▲ from 6.73%
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Purchase Rates
- Oct 29, 20266.71%▼ from 7.13%
- Oct 26, 20267.13%first recorded
As of 10/30/2026; All mortgage rates listed with zero points unless otherwise noted
Down Payment: 20%; Monthly payments per $1,000 borrowed: 180 months of $8.64; Loan payment is interest only during construction period; Add .50% for JUMBO loans over $832,750.00
- Oct 22, 20266.73%▲ from 6.61%
- Oct 7, 20266.61%▲ from 6.22%
- Sep 15, 20266.22%first recorded
LTV: up to 95%; Conforming Mortgage Rates for up to $832,750; Limited to the State of Maryland; Effective as of 10/06/2026
- Oct 21, 20266.79%▲ from 6.40%
- Sep 27, 20266.40%first recorded
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 30, 20266.80%▼ from 6.93%
- Oct 26, 20266.93%▲ from 6.68%
- Oct 19, 20266.68%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Monthly Payment per $10,000: $88.49; Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; Max Lifetime Cap: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 7, 20267.07%▼ from 7.69%
- Sep 15, 20267.69%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 20, 20267.07%first recorded
Down Payment: 30%; Max. Term: 15 Yrs.; Payment per $1,000.00: $8.85
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20266.87%▼ from 7.08%
- Oct 22, 20267.08%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
As Low As; Mortgage Rates Effective Date: Thursday, October 29th, 2026
Purchase transactions only; P&I payment: $1,769.82
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
Rates effective as of 10/28/2026; based on a 45 day lock
No additional details available.
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Effective 10/28/2026
Rates as of: October 25, 2026; Base Rate 7.000%; APR as low as 7.153%
- Oct 19, 20267.15%▲ from 6.78%
- Oct 1, 20266.78%first recorded
Down Payment: 20%; Max. Term: 15 Yrs.; Payment per $1,000.00: $9.13
Down Payment: 10%; Max. Term: 15 Yrs.; Payment per $1,000.00: $9.41
Loan amount $850,000, 25% down; Monthly payment per $10,000: $96.29; Minimum down: 20%; Initial rate fixed, adjustment, first adjusted rate and lifetime cap: n/a
- Oct 26, 20268.32%▼ from 8.57%
- Oct 7, 20268.57%▲ from 7.69%
- Sep 15, 20267.69%first recorded
No additional details available.
Barnesville 5/1 ARM Refinance Rates
Refinance rates current as of October 29, 2026
As Low As; Adjustable Rate Mortgage 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates
Effective Date: 10/22/2026; Rate adjusts after the fixed period; Monthly Payment Per $1000 Borrowed: $5.68
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
As Low As; Construction ARMs (Adjustable Rate Mortgages); Rates are subject to change daily. Please contact Credit Union for additional program options.
As Low As; Adjustable Rate; 1 Point Option
As Low As; Adjustable Rates; 0 Points Option
As Low As; Program: 5/1; Some restrictions apply. Call for details.
As Low As; Mortgage Rates Effective Date: Thursday, October 29th, 2026
Loan to Value: Up to 80%; Rates as of October 29, 2026
- Oct 29, 20266.55%▼ from 6.68%
- Oct 9, 20266.68%▼ from 6.81%
- Oct 5, 20266.81%▲ from 6.68%
- Sep 29, 20266.68%▲ from 6.55%
Rates as of October 29, 2026; Rates apply to loans up to the current FHFA conforming loan limit
- Oct 15, 20266.65%▲ from 6.06%
- Oct 2, 20266.06%▲ from 5.81%
- Sep 14, 20265.81%first recorded
Adjustable Rate (ARM); Effective 10/28/2026
Mortgage Rates effective Oct 19, 2026; Primary/Secondary Homes (includes Construction/Permanent); Maximum Loan-To-Value 90% (Construction-Permanent 80%); 1/2 Point on Construction/Permanent Loans; ARM rate may increase after consummation
- Oct 20, 20266.90%▲ from 6.72%
- Oct 14, 20266.72%first recorded
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Rates effective as of 10/28/2026; based on a 45 day lock
- Oct 28, 20266.99%▼ from 7.17%
- Oct 8, 20267.17%▲ from 7.05%
- Oct 2, 20267.05%▲ from 6.99%
- Sep 25, 20266.99%▲ from 6.88%
Rates as of: October 25, 2026; Base Rate 6.000%; APR as low as 6.998%; Adjustable after initial 5-year fixed period
Loan amount $850,000, 25% down; Monthly payment per $10,000: $71.64; Minimum down: 10%; Initial rate fixed: 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
- Oct 26, 20267.36%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Minimum down 5%; Initial rate fixed 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate 6.875%; Max lifetime cap 12.750%
- Oct 26, 20267.38%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: 5 Yrs.; Adjustment after initial period: 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
Maximum Loan-To-Value for Buildable Lot Loans = 75%
- Oct 20, 20267.46%▼ from 7.47%
- Oct 14, 20267.47%first recorded
Purchase Rates
- Oct 29, 20268.41%▼ from 8.41%
- Oct 26, 20268.41%first recorded
Barnesville 30-Year Jumbo Refinance Rates
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.51%▼ from 6.64%
- Oct 19, 20266.64%▲ from 6.26%
- Sep 22, 20266.26%first recorded
Jumbo; Adjustable Rate (ARM); Effective 10/28/2026
- Oct 23, 20266.59%▲ from 6.58%
- Oct 15, 20266.58%▲ from 6.47%
- Oct 2, 20266.47%▲ from 6.42%
- Sep 25, 20266.42%first recorded
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.76%▼ from 7.01%
- Oct 19, 20267.01%▲ from 6.76%
- Sep 22, 20266.76%first recorded
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.89%▼ from 7.14%
- Oct 19, 20267.14%▲ from 6.89%
- Sep 22, 20266.89%first recorded
Jumbo loans are available for loan amounts from $832,751 to $1,500,000
LTV: up to 80%
LTV: up to 95%
LTV: up to 95%
LTV: up to 95%
Jumbo Mortgage Rates; LTV: up to 95%; Payment Per $1,000: $6.90 (not a rate); Effective as of 10/06/2026
LTV: up to 95%
LTV: up to 95%; Fixed; Jumbo; APR based on a loan balance of $832,751.00 for jumbo loans
Jumbo; Effective 10/28/2026
- Oct 15, 20267.58%▼ from 7.71%
- Oct 2, 20267.71%first recorded
Jumbo loans are available for loan amounts from $832,751 to $1,500,000
No additional details available.
Interest Rates As Low As; Exclusive mortgage benefit for Servicemembers, Reservists and Veterans who have already exhausted their VA loan benefit; no down payment required; 720 FICO, down payment of 0%; rates as of Oct 30, 2026 ET
- Oct 31, 20268.10%▼ from 8.22%
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
As Low As; Rates as of Oct 30, 2026 ET; Advertised rate assumes single-family primary residence, 720 FICO, 0% down
- Oct 31, 20268.22%▼ from 8.35%
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Purchase Rates
Barnesville 15-Year Jumbo Refinance Rates
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
LTV: up to 95%
Type: Fixed; LTV: up to 95%
Jumbo; Effective 10/28/2026
- Oct 28, 20267.14%▼ from 7.27%
- Oct 15, 20267.27%first recorded
Jumbo loans are available for loan amounts from $832,751 to $1,500,000
Barnesville 5/1 Jumbo ARM Refinance Rates
Jumbo; Adjustable Rate (ARM); Effective 10/28/2026
- Oct 23, 20266.65%▼ from 6.65%
- Oct 15, 20266.65%▲ from 6.56%
- Oct 2, 20266.56%▲ from 6.51%
- Sep 25, 20266.51%first recorded
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Purchase Rates
Barnesville FHA Loan Rates
Refinance rates current as of October 29, 2026
Home refinance; based on $187,500 loan amount and property value of at least $250,000; APR is for a borrower with a 750 credit score; 30-year term = 360 months; effective 10/28/2026; 30-day lock
- Oct 28, 20266.82%▼ from 6.88%
- Oct 23, 20266.88%▼ from 7.01%
- Oct 15, 20267.01%▼ from 7.05%
- Oct 8, 20267.05%▲ from 6.84%
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
Purchase Rates
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As of 10/30/2026; Loan limits vary by county.
No additional details available.
Rates effective as of 10/28/2026; based on a 45 day lock
Effective 10/28/2026
Purchase transactions only; FHA & VA; P&I payment: $1,364.35
No additional details available.
Barnesville VA Loan Rates
Variable; TD Mortgage Prime Rate 4.85% -0.31%; Posted Rate: TD Mortgage Prime Rate (struck through)
- Oct 31, 20264.56%▲ from 4.31%
- Oct 26, 20264.31%first recorded
VA Loans; Rate information is accurate as of October 9, 2026
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As of 10/30/2026; VA Mortgage
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
No additional details available.
30 Year VA financing available in MD and VA only
Rates effective as of 10/28/2026; based on a 45 day lock
- Oct 28, 20267.21%▼ from 7.46%
- Oct 2, 20267.46%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 16, 20267.08%first recorded
No additional details available.
Effective 10/28/2026
- Oct 28, 20267.45%▼ from 7.58%
- Oct 15, 20267.58%first recorded
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National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Barnesville, Maryland quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Barnesville, MD Refinance Rate Trends
Compare local Barnesville, MD refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Maryland refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
Maryland 30-year fixed rates fell 0.063 points over the past 7 days to 7.262%.
Maryland 15-year fixed rates rose 0.006 points over the past 7 days to 6.790%.
What Barnesville, MD Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Maryland Refinance Rate Forecast, Next 12 Months
Where are Maryland refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Barnesville, MD Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $584,240 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (MD avg) | 7.262% | $3,990 | 20.7% | |
| 6-Month Forecast | 7.262% (6.91, 7.56%) | $3,990 | +$0/mo | 20.7% |
| 12-Month Forecast | 7.512% (7.16, 7.81%) | $4,090 | +$100/mo | 21.2% |
Income column = annual mortgage payment as % of Barnesville, MD median household income ($231,250). Above 30% is generally considered cost-burdened.
Barnesville, Maryland Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Barnesville, Maryland rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Barnesville, Maryland Refinance
The rate is only part of the decision. Use these calculators to turn current Barnesville, Maryland home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Barnesville, Maryland home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Barnesville, Maryland rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Barnesville, Maryland
Homeowners in Barnesville, Maryland can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Maryland lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Barnesville, Maryland average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Barnesville, Maryland usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Maryland quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Barnesville, Maryland is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Barnesville, Maryland refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Barnesville, Maryland directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Barnesville, Maryland. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Barnesville, Maryland home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Maryland banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Barnesville, Maryland mortgage rates page. For example, State Employees Credit Union is listing a Refinance 30 Year Fixed at 6.875% for either purpose. Some lenders price refinances separately and list them by name, such as State Employees Credit Union’s Refinance 15 Year Fixed at 6.50%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Barnesville, Maryland homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Maryland typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Maryland refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Barnesville, Maryland
What are refinance rates in Barnesville, Maryland today?
What are home loan refinance rates in Barnesville, MD today?
Are refinance rates higher than purchase mortgage rates in Barnesville, Maryland?
When does refinancing make sense in Barnesville, Maryland?
How soon can I refinance a mortgage in Barnesville, Maryland?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Barnesville, Maryland?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Barnesville, Maryland?
How do I get refinance quotes in Barnesville, Maryland?
What are the best refinance rates in Barnesville, Maryland?
- State Employees Credit Union: 6.875% (Refinance 30 Year Fixed)
- Univest Bank: 7.25% (Mortgage Refinance - 30 Year Fixed)
- Cedar Point Federal Credit Union: 6.125% (Conventional Loan - 30 Year Fixed Rate)
- Securityplus Federal Credit Union: 6.50% (Conventional Mortgage 30-Year Fixed)
- Destinations Credit Union: 6.625% (Home Loan - 30-Year Fixed)
Barnesville, Maryland Rates & Resources
