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Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

1 Year Adjustable Rate Mortgages (1/1 ARMs)

Here's a small random sample of loan rates drawn from the survey of objective information we collect every day. Our database contains current data on thousands of loans from lenders coast to coast -- including jumbo loans.

Unlike other 'surveys,' and other Web sites, these mortgage rates are not advertisements. HSH contacts lenders across the country every week -- the same objective survey we've conducted for over 30 years. Our data is so reliable that it's used by Fortune 500 companies, government agencies, the media, and other clients.

These are representative of loans which may be offered in your area, but we don't claim that these are the "best" available. There are many factors which make the "best" loan dependent upon your individual circumstance.

Ready to order your comprehensive list of local lenders?We can email the latest mortgage report to you for just $10 (plus $1 s/h). It includes the application fee, APR, rate-lock info, index, margin, and caps on 3 or more loans per lender. Or you can order it as part of our Homebuyer's Mortgage Kit, which is just $20 (plus $3 s/h).
List of Areas List of Areas

To order a report for your area by Phone, just call 1-800-873-2837 (Mon-Fri, 9am-5pm Eastern time); Visa and MasterCard accepted.

All information is Copyright © 2016, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

LenderStatePhoneLending Area %Adjustment
period
Term% down
Rate %
Points
Maximum Loan
$1,000
Index
BOGOTA SAVINGS BANK NJ 201-862-1179 NORTHERN & CENTRAL NJ 1 30 20 1.75 0 417 1YT
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 1 30 20 3 0 650 LIBOR
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 1 30 20 3 0 650 LIBOR
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 1 30 20 2.75 0 417 LIBOR
HUNTINGTON MORTGAGE COMPANY OH 216-447-4424 NORTHERN OHIO 1 30 20 2.75 0 417 LIBOR
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 1 30 25 1.875 0 750 1YT
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 1 30 5 1.875 0 417 1YT
NBT BANK NY 607-337-2265 ALL NEW YORK 1 30 5 2.875 0 417 LIBOR
RIDGEWOOD SAVINGS BANK NY 718-240-4800 BROOKLYN,QUEENS,LONG ISLAND 1 30 20 2.625 0 2000 1YT
RIDGEWOOD SAVINGS BANK NY 718-240-4800 BROOKLYN,QUEENS,LONG ISLAND 1 30 10 2.625 0 417 1YT
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 1 30 20 2.25 0 417 1YT
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 1 30 20 2.25 0 1000 1YT
WALDEN SAVINGS BANK NY 845-457-7700 ORANGE,SULLIVAN,ULSTER 1 30 20 2.875 0 1000 1YT

 

Be sure to see our other loan samples:
15-Year FRMs30-Year FRMs5/1-Year Hybrid ARMs

Notes:

  • All interest rates and terms are subject to change without notice.
  • These lenders offer many different loan programs. If you want one that isn't listed, contact the lender directly.
  • The conforming loan limit for a one-family home is $417,000; two- to four-family homes have higher loan amounts.
  • Lenders which offer conforming loans almost always offer jumbo loans as well.

Column heading key

Lender: The institution. If a credit union, you'll need to contact them for membership information and details.

State: The state in which the lender is located.

Phone: The lender's contact number.

Lending Area: The area which the listed office serves.

Adjustment Period: How often the interest rate adjusts (in years).

Term:The total term of the mortgage.

Down Payment: The required down payment for the listed loan.

Interest Rate: The interest rate being charged for the listed loan.

Points: A fee, expressed as a percentage of the loan amount.
One point is equal to a 1% fee; a 1% fee on $100,000 would be a $1000 fee.

Maximum Loan: The maximum dollar amount available at the listed rates and terms.

Index Used: The name of the index used to govern rate changes.

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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