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Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Purchase Rates

Know the rates, know your options. Start building your homeownership plan today.

Monthly Mortgage Calculator

Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.

Affordability Calculator

Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.

Apply Now

Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.

Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Products

Navigate all our loan product options and find the perfect loan for you.

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

Contact Us

Have questions? We’re here to help.

800.359.1996servicing@totalmortgage.com

Monday - Friday | 9 am - 5 pm

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why join Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Buy

Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Purchase Rates

Know the rates, know your options. Start building your homeownership plan today.

Monthly Mortgage Calculator

Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.

Affordability Calculator

Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.

Refinance

Apply Now

Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.

Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

Rates

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Resources

Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Products

Navigate all our loan product options and find the perfect loan for you.

Customers

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

Contact Us

Have questions? We’re here to help.

800.359.1996servicing@totalmortgage.com

Monday - Friday | 9 am - 5 pm

About

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why join Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.

Find Us

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Alabama

Alabama homepage

Assistance programs

Mortgage rates

FAQs

Local branches & bankers

Alabama Mortgage Rates FAQs

Where can Alabama residents find the best mortgage rates?

 

You can assess the current mortgage rates in Alabama in the section above. These rates are updated twice daily to ensure mortgage rates' accuracy.

How do Alabama interest rates affect mortgages in the state?

 

Alabama residents can find the most competitive mortgage rates in the state on our site. You can compare rates, monthly payouts, A.P.R., and other details for every product listed here.

How does the Alabama real estate market impact mortgage rates?

 

The Alabama real estate market impacts mortgage rates. A rise in housing demand means higher rates. Similarly, local property values and economic conditions affect the current mortgage rates in Alabama.

Mortgage rates across Alabama

Anniston Mortgage RatesAthens Mortgage RatesAuburn Mortgage RatesBessemer Mortgage RatesBirmingham Mortgage RatesCullman Mortgage RatesDaphne Mortgage RatesDecatur Mortgage RatesDothan Mortgage RatesFlorence Mortgage RatesGadsden Mortgage RatesHuntsville Mortgage RatesMadison Mortgage RatesMobile Mortgage RatesMontgomery Mortgage RatesNorthport Mortgage RatesOpelika Mortgage RatesPhenix City Mortgage RatesPrattville Mortgage RatesTuscaloosa Mortgage Rates

Interested in another location?

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.