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Are you wondering "Should I pay points to lower my mortgage rate?"

Are you wondering "Should I pay points to lower my mortgage rate?"

Today's Alabama Mortgage Rates in the HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200,000 Refinance loan.
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Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Alabama Mortgages

If you're buying a home or refinancing one in Alabama, use the resources available on HSH.com to identify the right mortgage--and the right Alabama mortgage rates--for your financial needs.

The education, banking, and technology sectors have attracted major employers and jobs to Alabama in recent years. Home affordability, especially in metropolitan areas like Birmingham, Huntsville, and Mobile, can fluctuate based on housing availability, employer hiring trends, and prevailing AL mortgage rates.

As in other parts of the country, national market movements and local economic conditions impact current AL mortgage rates. Contacting a trusted mortgage broker or lender for a quote can help you determine whether a refinance or a new home loan makes sense under today's market conditions.

Alabama Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2022 Conforming loan limits for Alabama

Select County
County Name One Family Two Family Three Family Four Family
Autauga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Baldwin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Barbour County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bibb County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Blount County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bullock County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Butler County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Calhoun County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chambers County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cherokee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chilton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Choctaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clarke County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clay County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cleburne County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Coffee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Colbert County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Conecuh County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Coosa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Covington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Crenshaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cullman County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dale County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dallas County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dekalb County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Elmore County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Escambia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Etowah County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Fayette County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Geneva County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Greene County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hale County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Henry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Houston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jackson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jefferson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lamar County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lauderdale County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lawrence County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Limestone County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lowndes County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Macon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Madison County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Marengo County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Marion County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Marshall County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mobile County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Monroe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montgomery County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Morgan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Perry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pickens County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pike County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Randolph County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Russell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Shelby County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Clair County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sumter County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Talladega County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tallapoosa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tuscaloosa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Walker County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Washington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wilcox County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Winston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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