Compare Albany, CA Mortgage Rates

Credit Score: Excellent (740-850)
Rate Lock: 60 Days
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Optimum First Mortgage 3.875Rate 3.925APR
Est. Payment: $1,175
Lender Fees: $1,540
NMLS ID: 240415
(866) 515-5241
Kinecta Federal Credit Union 3.750Rate 3.945APR
Est. Payment: $1,157
Lender Fees: $6,085
NMLS ID: 407870
(866) 418-5750
Capital One 4.000Rate 4.150APR
Est. Payment: $1,193
Lender Fees: $4,636
NMLS ID: 453156
(866) 798-5843
Omni Fund Inc. 4.125Rate 4.158APR
Est. Payment: $1,211
Lender Fees: $995
NMLS ID: 4869
Southern California Mortgage 3.750Rate 3.846APR
Est. Payment: $1,157
Lender Fees: $2,938
NMLS ID: 347049
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For most families, the first step to home ownership in ALBANY, CA is to arrange for financing. Once you are pre-approved for a mortgage and feel comfortable with payment options, you can settle on a price range. Failing to arrange for financing as quickly as possible can delay negotiations as sellers in CA are much more likely to accept an offer if the potential buyer already has financing arranged.

Mortgage loans in CA vary greatly based on features such as the size of the loan, term, interest rate, method of paying off the loan, and other characteristics. Home buyers in ALBANY, CA can obtain a mortgage for the purchase of a home or construction. Home mortgages in CA are available from banks and other financial institutions, either directly or indirectly through intermediaries. Many aspects of mortgages are regulated in CA: directly through legal requirements and indirectly through regulation of financial markets.

Most mortgages for homes in ALBANY, CA are either fixed rate mortgages or adjustable rate mortgages (ARM). As the name implies, the interest rate for fixed rate mortgages do not change over time. Monthly payment may vary somewhat though due to changes in property taxes and insurance. Buyers in ALBANY, CA may also opt for an adjustable rate mortgage where the interest rate changes over time based on the market.