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Home Mortgage Loan Ratesin Alabama
Planning on purchasing a new home? If you are a veteran, active duty personnel, or a reservist, VA Loans allow you to buy a home without having to make a down payment and no monthly mortgage insurance premium to pay. 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: 08/27/2025)
Veterans: Get Qualified for $0 Down|
Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
|
5.685% APR | 5.500% Rate 30 day rate lock | $1,817 Payment per month |
0.809 Points$2,589 Points Fee
|
$6,589 Total Fees$4,000 Lender Fees
|
30 Years FixedVA Loan | |
|
5.722% APR | 5.490% Rate 30 day rate lock | $1,815 Payment per month |
0.710 Points$2,272 Points Fee
|
$8,272 Total Fees$6,000 Lender Fees
|
30 Years FixedVA Loan | |
|
5.813% APR | 5.624% Rate 30 day rate lock | $1,842 Payment per month |
0.829 Points$2,653 Points Fee
|
$6,653 Total Fees$4,000 Lender Fees
|
30 Years FixedVA Loan | |
|
5.846% APR | 5.625% Rate 45 day rate lock | $1,843 Payment per month |
0.875 Points$2,800 Points Fee
|
$7,795 Total Fees$4,995 Lender Fees
|
30 Years FixedVA Loan | |
|
5.941% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.844 Points$2,701 Points Fee
|
$6,701 Total Fees$4,000 Lender Fees
|
30 Years FixedVA Loan | |
|
6.324% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.654 Points$2,093 Points Fee
|
$6,793 Total Fees$4,700 Lender Fees
|
30 Years FixedVA Loan | |
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| Numbers you can trust | ||||||
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| As low as 0% down options & down payment assistance | ||||||
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| $0 down payment for Veterans homebuying with a VA Loan | ||||||
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| 0% down payment USDA Loan options | ||||||
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| PenFed membership is open to everyone, including you. | ||||||
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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