Find the home loan that fits your needs
Explore the home loan options, rates and features that are right for your financial situation and homebuying goals.
Customize the information below for your mortgage rate. It's quick and easy.
Enter a purchase price between $60,000 and $2.5 million. For loans higher than $2.5 million, please call us. Enter a down payment that is at least 5% of the purchase price, with a loan amount of at least $60,000. 
Private mortgage insurance may be required for loans with a down payment of less than 20%. Enter a valid 5-digit ZIP code Today’s mortgage rates
| Loan Type | Rate | APR | Points | Monthly Payments |
|---|
Mortgage purchase rates for ZIP code 95464 as of local time. Chart data above is for illustrative purposes only, assumes a borrower with excellent credit and is subject to change without notice.
†See below for loan assumptions and disclosures.
Today’s mortgage rates
Explore all the types of home loans we offer
Get predictable monthly payments
A fixed-rate mortgage offers an interest rate that will stay the same for the entire term of the loan. This offers you consistency that can help make it easier to set a budget.
Low down payments for qualified homebuyers
Our Affordable Loan Solution® mortgage1 is created especially for modest-income and first-time homebuyers, offering a 3% down payment and a competitive rate.
Consider an adjustable-rate mortgage (ARM)2
ARMs are often used to take advantage of introductory interest rates. The interest rate may change periodically depending on changes in a corresponding financial index that’s associated with the loan.
Look into government mortgage loans
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA)3 offer mortgage programs with features such as low down payment options and flexible guidelines for first-time homebuyers.
Need a bigger loan? Go jumbo.
A jumbo loan covers a larger-than-normal loan amount. It can be used for primary homes, investment properties and vacation homes.
Choosing the right mortgage can offer you many advantages:
Benefit from easy-to-manage, predictable monthly payments.
Build a strong credit history by making consistent, on-time payments.
It’s a gateway to achieving long- and short-term financial goals.
Gain a clearer understanding of the mortgage process
Mortgage FAQs
Get the straight forward answers to commonly asked questions about home loans.
Understand the approval process
Get to know some of the factors that will be considered when your home loan application is reviewed.
How much should you put down?
Read informative tips that will help you determine a down payment amount that’s realistic and affordable.
Get closer to your goals with our helpful tools
Affordability Calculator
Mortgage Calculator
Closing Costs Calculator
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Our way of rewarding you for what you already do
If you’re a qualified Bank of America client6, you may be eligible to receive a Bank of America Preferred Rewards $200 to $600 reduction in your home purchase or refinance loan origination fee based on your eligible balances at time of application7 or an interest rate discount 0.125% to 0.625% on a new home equity line of credit.8
