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Refinance Rate Trends

Linwood, Maryland Refinance Rates - September 2026

Current mortgage refinance rates in Linwood, Maryland include Cedar Point Federal Credit UnionCedar Point Federal Credit UnionA+5.0 ★Texas Ratio: 1.20% at 6.12%, Municipal Employees Credit Union of BaltMunicipal Employees Credit Union of BaltA5.0 ★Texas Ratio: 6.01% at 6.25%, Wells FargoWells FargoA5.0 ★Texas Ratio: 6.32% at 6.25%, Securityplus Federal Credit UnionSecurityplus Federal Credit UnionA5.0 ★Texas Ratio: 10.47% at 6.25%, and FedFinancial Federal Credit UnionFedFinancial Federal Credit UnionA+5.0 ★Texas Ratio: 5.42% at 6.08%. Refinance rates as of September 16, 2026 according to verified data from MonitorBankRates.

Linwood homeowners can compare 117 refinance rates from 29 lenders serving the Maryland area, with refinance rates as low as 6.08% from FedFinancial 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: September 16, 2026

Compare Refinance Rates for Sep. 16, 2026

Compare Refinance Rates Today in Linwood, 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 Linwood, MD lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.091 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.

Linwood 30 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
30 Year Fixed Rate
6.12%
6.33%
Rate6.12%
APR6.33%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
30-year fixed rate
30 years
6.25%
6.46%
Rate6.25%
APR6.46%
Points1.000
UpdatedSep 14, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed-Rate VA
6.25%
6.49%
Rate6.25%
APR6.49%
Points3,240.000
UpdatedSep 14, 2026
Details

Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.

Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
30-Year Fixed
6.25%
6.51%
Rate6.25%
APR6.51%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Federal VA 30 Year Fixed Rate
30 Year Fixed
6.50%
6.52%
Rate6.50%
APR6.52%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
FHA 30-Year Fixed Rate
30-Year
6.08%
6.52%
Rate6.08%
APR6.52%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
30-year fixed
6.53%
6.59%
Rate6.53%
APR6.59%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Mortgage Rates - 30 Year Fixed
30 Year Fixed
6.50%
6.59%
Rate6.50%
APR6.59%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Mortgage Rates (as of 9/15/2026) - 30 Year Fixed
30 Year Fixed
6.50%
6.61%
Rate6.50%
APR6.61%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
30-year fixed rate
30 years
6.50%
6.61%
Rate6.50%
APR6.61%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed
6.62%
6.63%
Rate6.62%
APR6.63%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
30 Year Fixed Rate
30 Year
6.62%
6.70%
Rate6.62%
APR6.70%
Points0.000
UpdatedSep 7, 2026
Details

The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
About Mortgages - FHA 30 Year Fixed
6.38%
6.71%
Rate6.38%
APR6.71%
Points1.250
UpdatedSep 14, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
FHA 30 Year Fixed
30 Year Fixed
6.38%
6.71%
Rate6.38%
APR6.71%
Points0.000
UpdatedSep 14, 2026
Details

As of September 11, 2026

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Fixed-Rate Construction/Perm Loans - 30 Year Fixed Rate
30 Year Fixed Rate
6.50%
6.72%
Rate6.50%
APR6.72%
Points0.750
UpdatedSep 15, 2026
Details

% Down: 20%

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Consumer Mortgage Loans - 30 Year Fixed
6.62%
6.79%
Rate6.62%
APR6.79%
Points1.000
UpdatedSep 15, 2026
Details

No additional details available.

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
30-Year Fixed Conventional Mortgage
30 years
6.38%
6.82%
Rate6.38%
APR6.82%
Points0.000
UpdatedSep 14, 2026
Details

Up to $2,500 towards mortgage closing costs; Financing available with as little as 3% down payment; Expected monthly principal and interest payment for a 30-year fixed conventional mortgage of $388,000 at an interest rate of 6.375% with zero points (which is an equivalent APR of 6.818%) and a principal and interest payment of $2,420.59. Total principal and interest payment is $871,412.40 with an APR as low as 6.818% for a 30-year fixed conventional mortgage.

Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
30-Year Fixed
30-Year Fixed
6.38%
6.82%
Rate6.38%
APR6.82%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed Mortgage
30 Year Fixed
6.62%
6.83%
Rate6.62%
APR6.83%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; Payment: 1,536.75 *

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Conventional 30-Year Fixed Rate
30-Year
6.59%
6.87%
Rate6.59%
APR6.87%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed Rate
6.88%
6.88%
Rate6.88%
APR6.88%
Points2,800.000
UpdatedSep 14, 2026
Details

Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed Rate Mortgage
30 Year Fixed
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 14, 2026
Details

Rates may include points. See All Mortgage Rates for details.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
30 Year Fixed
30 Year Fixed
6.75%
6.90%
Rate6.75%
APR6.90%
Points0.000
UpdatedSep 14, 2026
Details

As of September 11, 2026

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
About Mortgages - 30 Year Fixed
6.75%
6.90%
Rate6.75%
APR6.90%
Points1.125
UpdatedSep 14, 2026
Details

No additional details available.

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
30 Yr. Fixed Rate
30 Yr.
6.88%
6.91%
Rate6.88%
APR6.91%
Points0.000
UpdatedSep 15, 2026
Details

Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a

Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Conventional 30 Yr Fixed
30 Year Fixed
6.88%
6.99%
Rate6.88%
APR6.99%
Points1.000
UpdatedSep 14, 2026
Details

As Low As; Rate: 6.875%; APR: 6.993%; Points: 1.000

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed Mortgage
30 Year Fixed
7.00%
7.00%
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 14, 2026
Details

Rates as low as

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed
7.00%
7.03%
Rate7.00%
APR7.03%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed
360 Months
6.88%
7.04%
Rate6.88%
APR7.04%
Points0.625
UpdatedSep 14, 2026
Details

Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
VA 30 Year Fixed
6.75%
7.08%
Rate6.75%
APR7.08%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Mortgage Rates - 30 Year Fixed
30 Year
7.00%
7.13%
Rate7.00%
APR7.13%
Points0.125
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product.

Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Conventional 30 Yr Fixed
30 Year Fixed
7.12%
7.14%
Rate7.12%
APR7.14%
Points0.000
UpdatedSep 14, 2026
Details

As Low As; Rate: 7.125%; APR: 7.145%; Points: 0.000

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
VA 30 Year Fixed
30 Year
6.75%
7.18%
Rate6.75%
APR7.18%
Points0.125
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.

Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
30 Year Fixed
7.12%
7.22%
Rate7.12%
APR7.22%
Points0.000
UpdatedSep 14, 2026
Details

Loan to Value: Up to 80%

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Mortgage Rates - 30 Year fixed
7.13%
7.23%
Rate7.13%
APR7.23%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Mortgage Rates - 30 Year Fixed (Conforming)
30 Year Fixed
7.25%
7.25%
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
USDA 30 Year Fixed
30 Year
6.75%
7.28%
Rate6.75%
APR7.28%
Points0.000
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $301,800 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
30-Year Fixed Rate
30 years
7.25%
7.34%
Rate7.25%
APR7.34%
Points0.375
UpdatedSep 15, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates are for conforming purchase loans, are effective as of 09/11/2026 3:50 PM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Mortgage Rates - FHA 30 Year Fixed
30 Year
6.62%
7.47%
Rate6.62%
APR7.47%
Points0.375
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700. Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Mortgage Rates - FHA 30 Year Fixed
6.75%
7.55%
Rate6.75%
APR7.55%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
30 Yr. Fixed Rate
30 Yr.
9.25%
9.38%
Rate9.25%
APR9.38%
Points0.000
UpdatedSep 15, 2026
Details

Minimum Down: 20%

Linwood 15 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
15-year fixed rate
15 years
5.50%
5.84%
Rate5.50%
APR5.84%
Points1.000
UpdatedSep 14, 2026
Details

No additional details available.

Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
Home Loans (15-Year Fixed)
15-Year Fixed
5.88%
5.88%
Rate5.88%
APR5.88%
Points0.000
UpdatedSep 14, 2026
Details

As low as

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
15 Year Fixed Rate
15 Year
5.88%
5.92%
Rate5.88%
APR5.92%
Points0.000
UpdatedSep 7, 2026
Details

The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
15-year fixed rate
15 years
5.75%
5.93%
Rate5.75%
APR5.93%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Consumer Mortgage Loans - 15 Year Fixed
5.75%
6.00%
Rate5.75%
APR6.00%
Points1.000
UpdatedSep 15, 2026
Details

No additional details available.

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Mortgage Rates - 15 Year Fixed
15 Year Fixed
5.88%
6.02%
Rate5.88%
APR6.02%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Mortgage Rates (as of 9/15/2026) - 15 Year Fixed
15 Year Fixed
5.88%
6.04%
Rate5.88%
APR6.04%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed Rate Mortgage
15 Year Fixed
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 14, 2026
Details

Get peace of mind with predictable monthly payments. Both traditional and short-term options available.

Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
15-Year Fixed
15-Year Fixed
5.88%
6.14%
Rate5.88%
APR6.14%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
15-Year Fixed
6.00%
6.16%
Rate6.00%
APR6.16%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Fixed-Rate Construction/Perm Loans - 15 Year Fixed Rate
15 Year Fixed Rate
5.88%
6.22%
Rate5.88%
APR6.22%
Points0.750
UpdatedSep 15, 2026
Details

% Down: 20%

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
15 Year Fixed
6.25%
6.27%
Rate6.25%
APR6.27%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed
15 Year Fixed
6.00%
6.28%
Rate6.00%
APR6.28%
Points0.750
UpdatedSep 14, 2026
Details

Payment: 2,025.26*

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
15 Year Fixed
6.25%
6.30%
Rate6.25%
APR6.30%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
15 Yr. Fixed Rate
15 Yr.
6.25%
6.31%
Rate6.25%
APR6.31%
Points0.000
UpdatedSep 15, 2026
Details

Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
15-Year Fixed Rate
6.12%
6.38%
Rate6.12%
APR6.38%
Points2,800.000
UpdatedSep 14, 2026
Details

Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed
180 Months
6.12%
6.43%
Rate6.12%
APR6.43%
Points0.875
UpdatedSep 14, 2026
Details

Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
About Mortgages - 15 Year Fixed
6.25%
6.48%
Rate6.25%
APR6.48%
Points1.000
UpdatedSep 14, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15-Year Fixed Rate
15 years
6.25%
6.49%
Rate6.25%
APR6.49%
Points1.000
UpdatedSep 15, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates are for conforming refinance loans, are effective as of 09/11/2026 3:50 PM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Mortgage Rates - 15 Year Fixed (Conforming)
15 Year Fixed
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Conventional 15-Year Fixed Rate
15-Year
6.07%
6.52%
Rate6.07%
APR6.52%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Mortgage Rates - 15 Year Fixed
15 Year
6.50%
6.74%
Rate6.50%
APR6.74%
Points0.375
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Mortgage Rates - 15 Year Fixed
6.63%
6.79%
Rate6.63%
APR6.79%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
15 Yr. Fixed Rate
15 Yr.
7.50%
7.69%
Rate7.50%
APR7.69%
Points0.000
UpdatedSep 15, 2026
Details

Minimum Down: 20%

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
15 Year Fixed Rate
15 Year
8.50%
8.54%
Rate8.50%
APR8.54%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Linwood 5/1 ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
ARM (Adjustable Rate Mortgage) - 5/1 ARM
5/1
4.75%
4.75%
Rate4.75%
APR4.75%
Points0.000
UpdatedSep 14, 2026
Details

As low as

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Adjustable-Rate Mortgages - 5/5 Loan
5.25%
5.32%
Rate5.25%
APR5.32%
Points0.000
UpdatedSep 12, 2026
Details

No additional details available.

APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
5/5 Adjustable Rate Mortgage
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 14, 2026
Details

Introductory rate; Rate Cap: 2% per adjustment period, 5% lifetime maximum; Index: 5 Yr CMT; Margin: 2.875%; Floor Rate: 2.875%; Available for primary and secondary residences in MD, DE, VA, WV, PA, and DC. Available for new business only. Appraisal required and an application fee applies. LTV limit of 80%, with CLTV limit of 90%. Lock-in period of 50 days. Interest only not allowed. Minimum financing amount $100,000.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Adjustable-Rate Mortgage (ARM)
5/1 Year ARM
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 14, 2026
Details

Enjoy a low initial rate that adjusts with the market. Various terms and options available.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5/1 ARM
5/1 ARM
5.81%
5.81%
Rate5.81%
APR5.81%
Points0.000
UpdatedSep 14, 2026
Details

Rates as of September 11, 2026. Terms and conditions apply. Visit our Lending Rates Page for details.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Mortgage Loans - 5/1 ARM
5.75%
5.81%
Rate5.75%
APR5.81%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
View more details about ourAdjustable Rate Mortgage - 5/1 ARM
5/1
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
5/1 ARM (adjustable rate)
5/1 ARM
4.75%
6.09%
Rate4.75%
APR6.09%
Points1.000
UpdatedSep 14, 2026
Details

No additional details available.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
5/1 ARM (adjustable rate)
5/1 ARM
5.00%
6.10%
Rate5.00%
APR6.10%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
5/1 ARM (Conforme)
5/1 ARM
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 14, 2026
Details

As Low As

Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Mortgage Rates - 5/1 ARM (Conforming)
5/1 ARM
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
5/1 Adjustable Rate Loan
5/1 Adjustable Rate
5.25%
6.28%
Rate5.25%
APR6.28%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
5/1 Yr. ARM
30 years
5.00%
6.29%
Rate5.00%
APR6.29%
Points0.000
UpdatedSep 15, 2026
Details

**

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Mortgage Rates - 5/1 ARM
5/1 ARM
5.38%
6.35%
Rate5.38%
APR6.35%
Points0.000
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 seven years respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate.

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Construction ARMs (Adjustable Rate Mortgages) - 5/1
5/1
6.38%
6.38%
Rate6.38%
APR6.38%
Points0.000
UpdatedSep 14, 2026
Details

As low as

Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5/1 Conforming ARM
6.38%
6.43%
Rate6.38%
APR6.43%
Points0.000
UpdatedSep 14, 2026
Details

Loan to Value: Up to 80%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Year ARM Mortgage
5/1 Year ARM
5.38%
6.54%
Rate5.38%
APR6.54%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; Payment: 1,343.93 *

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Year ARM
360 Months
5.50%
6.59%
Rate5.50%
APR6.59%
Points1.000
UpdatedSep 14, 2026
Details

Initial Interest Rate: 5.500%. Fully Indexed Rate: 6.985%. Maximum Interest Rate: 10.500%. Months to First Rate Adjustment: 60 Months. Interest Only Term: 0 Months. Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5/5 Adjustable Rate Loan
6.85%
6.88%
Rate6.85%
APR6.88%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
5/1 Yr. ARM
20 Yrs.
6.75%
7.28%
Rate6.75%
APR7.28%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
5/6m SOFR ARM
30 Yr.
7.07%
7.38%
Rate7.07%
APR7.38%
Points0.000
UpdatedSep 15, 2026
Details

Minimum Down: 5%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.625%; Max Lifetime Cap: 12.375%

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
About Mortgages - 5/1 ARM
5.38%
7.80%
Rate5.38%
APR7.80%
Points1.125
UpdatedSep 14, 2026
Details

No additional details available.

Linwood 30-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Jumbo 7/1 ARM
7/1 ARM
5.62%
6.24%
Rate5.62%
APR6.24%
Points0.000
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo 30 Year Fixed Mortgage
Jumbo 30 Year Fixed
6.25%
6.39%
Rate6.25%
APR6.39%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; **Rate as low as 6.250%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo Loan
Jumbo 30 Year Fixed
6.62%
6.62%
Rate6.62%
APR6.62%
Points0.000
UpdatedSep 14, 2026
Details

Finance higher-priced homes without a large down payment or multiple mortgages.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Adjustable Rates - 5 Year ARM Jumbo
6.38%
6.64%
Rate6.38%
APR6.64%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Rates - Fixed - 10 Year Jumbo
10 Year
6.62%
6.69%
Rate6.62%
APR6.69%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Adjustable Rates - 3 Year ARM Jumbo
6.12%
6.71%
Rate6.12%
APR6.71%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo 30 Year Fixed
360 Months
6.62%
6.77%
Rate6.62%
APR6.77%
Points1.000
UpdatedSep 14, 2026
Details

Payment is based on a $726,300 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Adjustable Rates - 7 Year ARM Jumbo
6.78%
6.88%
Rate6.78%
APR6.88%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Adjustable Rates - 1 Year ARM Jumbo
6.00%
6.90%
Rate6.00%
APR6.90%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Jumbo 30 Year Fixed
30 Year
7.12%
7.19%
Rate7.12%
APR7.19%
Points-0.125
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Rates - Fixed - 30 Year Jumbo
30 Year
7.25%
7.28%
Rate7.25%
APR7.28%
Points0.125
UpdatedSep 14, 2026
Details

Rates (as low as)

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Jumbo Purchase Loan
5.38%
7.93%
Rate5.38%
APR7.93%
Points0.000
UpdatedSep 14, 2026
Details

As of September 9, 2026

Linwood 15-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Rates - Fixed - 15 Year Jumbo
15 Year
6.62%
6.67%
Rate6.62%
APR6.67%
Points0.125
UpdatedSep 14, 2026
Details

Rates (as low as)

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Jumbo 15 Year Fixed
15 Year
6.62%
6.78%
Rate6.62%
APR6.78%
Points0.375
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.

Linwood 5/1 Jumbo ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Jumbo 5/1 ARM
5/1 ARM
5.38%
6.30%
Rate5.38%
APR6.30%
Points0.000
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.

Linwood FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
FHA 30-Year Fixed Rate
30-Year
6.08%
6.52%
Rate6.08%
APR6.52%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
About Mortgages - FHA 30 Year Fixed
6.38%
6.71%
Rate6.38%
APR6.71%
Points1.250
UpdatedSep 14, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
FHA 30 Year Fixed
30 Year Fixed
6.38%
6.71%
Rate6.38%
APR6.71%
Points0.000
UpdatedSep 14, 2026
Details

As of September 11, 2026

Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
FHA Mortgage - 15 Year
15 Year
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 14, 2026
Details

Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.

Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
FHA Mortgage - 30 Year
30 Year
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 14, 2026
Details

Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Mortgage Rates - FHA 30 Year Fixed
30 Year
6.62%
7.47%
Rate6.62%
APR7.47%
Points0.375
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700. Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Mortgage Rates - FHA 30 Year Fixed
6.75%
7.55%
Rate6.75%
APR7.55%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Linwood VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed-Rate VA
6.25%
6.49%
Rate6.25%
APR6.49%
Points3,240.000
UpdatedSep 14, 2026
Details

Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Federal VA 30 Year Fixed Rate
30 Year Fixed
6.50%
6.52%
Rate6.50%
APR6.52%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
First Mortgage Rates - Fixed - 30 Year VA
30 Year
6.62%
6.78%
Rate6.62%
APR6.78%
Points0.000
UpdatedSep 14, 2026
Details

Rates (as low as)

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
VA 30 Year Fixed
6.75%
7.08%
Rate6.75%
APR7.08%
Points0.000
UpdatedSep 16, 2026
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
VA 30 Year Fixed
30 Year
6.75%
7.18%
Rate6.75%
APR7.18%
Points0.125
UpdatedSep 16, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.

Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
VA Mortgage - 15 Year
15 Year
7.25%
7.25%
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 14, 2026
Details

Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.

Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
VA Mortgage - 30 Year
30 Year
7.25%
7.25%
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 14, 2026
Details

Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.

The refinance rates displayed are verified and sourced directly from the official websites of the listed financial institutions. The rate shown is the lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Your final approved rate will depend on your credit history, credit score, loan amount, loan-to-value ratio, and whether you take cash out.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

National Refinance Rate Averages

Daily averages of posted rates across every lender we track, as of September 12, 2026. Use these as the benchmark for the Linwood, Maryland quotes above; lenders that price refinances separately currently run about 0.091 points higher.

30-Year Fixed
6.856%
+0.154 vs. last week
15-Year Fixed
6.424%
+0.145 vs. last week
30-Year Jumbo
6.965%
Daily average
5/1 ARM
6.465%
Daily average
FHA 30-Year
7.204%
Daily average
VA 30-Year
7.886%
Daily average
Source: MonitorBankRates daily rate averages, all lenders tracked. Most lenders apply the same posted rate to purchase and refinance loans. Compare refinance rates in every state

Linwood, MD Refinance Rate Trends

Compare local Linwood, 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 0.091 points at lenders that price refinances separately.

View Full Maryland Mortgage Rate Trends →
30-Year Fixed MD Avg
6.692%
▲ 0.067 vs 7 days ago

Maryland 30-year fixed rates rose 0.067 points over the past 7 days to 6.692%.

15-Year Fixed MD Avg
6.224%
▲ 0.061 vs 7 days ago

Maryland 15-year fixed rates rose 0.061 points over the past 7 days to 6.224%.

As of Sep 16, 2026 • Averages reflect posted first-mortgage rates used for both purchase and refinance loans
Powered by MonitorBankRates

What Linwood, 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.

Refinance Premium
+0.091 pts
vs. same lender's purchase rate, nationally (15 lender pairs)
Sources: MonitorBankRates lender rate feed (refinance premium)

Maryland Refinance Rate Forecast, Next 12 Months

Where are Maryland refinance rates headed through September 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.

Current MD Avg
6.692%
30-Year Fixed
6-Month Forecast
6.692%
Range: 6.34% – 6.99%
12-Month Forecast
6.942%
Range: 6.59% – 7.24%
12-Mo Payment Chg.
+$40/mo
vs. today on median home

What Forecast Rates Mean for Linwood, MD Homeowners Refinancing

Monthly principal & interest on a 30-year refinance of the loan of $242,720 (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) 6.692% $1,565 18.1%
6-Month Forecast 6.692% (6.34–6.99%) $1,565 +$0/mo 18.1%
12-Month Forecast 6.942% (6.59–7.24%) $1,605 +$40/mo 18.6%

Income column = annual mortgage payment as % of Linwood, MD median household income ($103,678). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

Linwood, 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 Linwood, Maryland rate on the right to test it instantly.

New Monthly P&I
$0
now $0
Monthly Savings
$0
Break-Even
0 mo

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.

Current Linwood, Maryland Refinance Rates

Lowest verified rate per loan type · click to test it as your new rate
Lowest verified rate per loan type available in Linwood, Maryland. ARM rates apply for the initial fixed period only.

Run the Numbers on Your Linwood, Maryland Refinance

The rate is only part of the decision. Use these calculators to turn current Linwood, Maryland refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.

Types of Refinance Loans Available in Linwood, Maryland

Homeowners in Linwood, 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 Linwood, 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 Linwood, 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 Linwood, 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 Linwood, 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 Linwood, 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 Linwood, 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.

How a Mortgage Refinance Works in Linwood, Maryland

A refinance pays off your current mortgage with a new loan on the same Linwood, 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.

How Linwood, Maryland Refinance Rates Compare to 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 Linwood, Maryland mortgage rates page. For example, Cedar Point Federal Credit Union is listing a 30 Year Fixed Rate at 6.12% for either purpose. Across lenders that post both, refinance pricing currently runs about 0.091 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 in Linwood, Maryland

Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Linwood, 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 and No-Closing-Cost Loans in Linwood, Maryland

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 Linwood, Maryland Homeowners Should 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 Linwood, Maryland

Are refinance rates higher than purchase mortgage rates in Maryland?

Usually only slightly. Among lenders that post separate purchase and refinance pricing nationally, refinance rates currently run about 0.091 percentage points above the same lender's purchase rate. Most banks and credit unions in Maryland quote one rate for both purchase and refinance loans. Cash-out refinances and investment property refinances are typically priced higher than rate-and-term refinances.

When does refinancing make sense in Linwood, Maryland?

Refinancing makes sense when the monthly savings from a lower rate recover the closing costs before you expect to sell or pay off the loan. That point is called the break-even. If closing costs are $4,000 and the new loan saves $150 a month, break-even is about 27 months. Refinancing can also make sense to drop mortgage insurance, move from an adjustable rate to a fixed rate, or shorten the term.

How soon can I refinance a mortgage in Maryland?

Conventional rate-and-term refinances generally have no waiting period, though many lenders require six months of payment history. Cash-out refinances usually require you to have owned the home for at least six to twelve months. FHA Streamline refinances require 210 days since the first payment and six on-time payments, and VA IRRRL refinances require 210 days and six payments as well.

What is a rate-and-term refinance?

A rate-and-term refinance replaces your current mortgage with a new loan for roughly the same balance, changing only the interest rate, the term, or both. It is the most common type of refinance in Maryland and typically carries the lowest rate of any refinance product.

What is a cash-out refinance?

A cash-out refinance replaces your mortgage with a larger loan and pays you the difference in cash at closing. Most lenders cap the new loan at 80 percent of the home's value for conventional loans (90 percent for VA). Because the loan balance rises, cash-out rates run higher than rate-and-term refinance rates. A home equity loan or HELOC can be a cheaper way to borrow a smaller amount without giving up a low existing first mortgage rate.

Does refinancing reset my 30-year term?

Only if you choose a new 30-year loan. Many Maryland lenders offer 10-, 15-, 20-, and 25-year refinance terms, and some offer custom terms that match your remaining years. Refinancing into a shorter term at a lower rate can cut total interest substantially even when the monthly payment stays about the same.

What are typical refinance closing costs in Maryland?

Refinance closing costs generally run two to five percent of the loan amount and include origination fees, appraisal, title search and lender's title insurance, recording fees, and prepaid interest. Some lenders offer no-closing-cost refinances that fold the fees into a slightly higher rate, which can be worthwhile if you expect to move or refinance again within a few years.

What is the difference between interest rate and APR on a refinance?

The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus lender fees and points, so it is the better number for comparing two refinance offers with different fee structures.

Should I lock my refinance rate?

If the quoted rate meets your break-even target and you are ready to close, locking protects you if rates rise during processing. Most refinance rate locks run 30 to 60 days. Ask whether the lender offers a float-down option in case rates fall after you lock.

How do I find the best refinance lender in Linwood, Maryland?

Compare rates and APRs from local banks, credit unions, and online lenders using the tables on this page, then request loan estimates from at least three. Credit unions in Maryland often post the lowest refinance rates for members, and lenders that already service your loan sometimes waive fees to keep it.

What are the best refinance rates in Linwood, Maryland?

  • Cedar Point Federal Credit Union: 6.12% (30 Year Fixed Rate)
  • Municipal Employees Credit Union of Balt: 6.25% (30-year fixed rate)
  • Wells Fargo: 6.25% (30-Year Fixed-Rate VA)
  • Securityplus Federal Credit Union: 6.25% (30-Year Fixed)
  • FedFinancial Federal Credit Union: 6.08% (FHA 30-Year Fixed Rate)
Mortgage Rates reflect actual verified offers from lenders actively lending to Maryland borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 16, 2026

Linwood, Maryland Rates & Resources