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Home Refinance Loan Ratesin Alabama
Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.
(Last Updated: 06/12/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Lower your monthly mortgage payment with a streamlined refinance | View Details Sponsored
|
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|
6.245% APR | 6.124% Rate 30 day rate lock | $1,945 Payment per month |
0.991 Points$3,171 Points Fee
|
$4,221 Total Fees$1,050 Lender Fees
|
30 Years Fixed | |
|
6.257% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.973 Points$3,114 Points Fee
|
$4,509 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.259% APR | 6.124% Rate 15 day rate lock | $1,945 Payment per month |
0.816 Points$2,611 Points Fee
|
$4,606 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.330% APR | 6.250% Rate 35 day rate lock | $1,971 Payment per month |
0.414 Points$1,325 Points Fee
|
$2,720 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.333% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.881 Points$2,819 Points Fee
|
$2,819 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.341% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.500 Points$1,600 Points Fee
|
$3,095 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
|
6.351% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.757 Points$2,422 Points Fee
|
$3,658 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.384% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.646 Points$2,067 Points Fee
|
$8,867 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.407% APR | 6.374% Rate 30 day rate lock | $1,997 Payment per month |
0.000 Points$0 Points Fee
|
$1,188 Total Fees$1,188 Lender Fees
|
30 Years Fixed | |
|
6.492% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.760 Points$2,432 Points Fee
|
$3,926 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
|
6.494% APR | 6.375% Rate 45 day rate lock | $1,997 Payment per month |
0.625 Points$2,000 Points Fee
|
$3,995 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.566% APR | 6.490% Rate 30 day rate lock | $2,021 Payment per month |
0.795 Points$2,544 Points Fee
|
$2,544 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.757% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.903 Points$2,890 Points Fee
|
$4,385 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Refinance to lower your rate | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Low rates, quick quote & approval | ||||||
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| Discover multiple refinance options | ||||||
PENNYMAC |
6.322% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.758 Points$2,426 Points Fee
|
$2,426 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
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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