Home Mortgage Loan Ratesin Alabama

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Alabama and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 07/15/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.247% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.682 Points$2,182 Points Fee
$4,177 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.645 Points$2,064 Points Fee
$2,064 Total Fees$0 Lender Fees
 30 Years Fixed
6.357% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.822 Points$2,630 Points Fee
$3,866 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.366% APR 6.250% Rate 35 day rate lock $1,971 Payment per month
0.797 Points$2,550 Points Fee
$3,945 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.916 Points$2,931 Points Fee
$4,326 Total Fees$1,395 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.320% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.740 Points$2,368 Points Fee
$2,368 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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