Top Charlottesville Mortgage Rates This November

Have falling home values enticed you into buying a new house? Current prices may be low, but don’t forget to research Charlottesville mortgage rates, too. The rate you pay to finance your home will have a significant effect on the total cost of your house.

Current Best Mortgage Rates in Charlottesville, VA

Depending on the kind of home loan you go with, the interest rates offered will vary. However, whether you end up with a adjustable or fixed rat, there is a lender with an affordable interest rate in Charlottesville for you. Below are the local lenders currently providing the best mortgage rates this month:

Best Fixed Mortgage Rates in Charlottesville

15-Year Fixed

• Wells Fargo Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0


• Bank of America, National Association: 3.25%
• • No Orig. Fees
  • Points: 1.13


• Capital One, National Association: 3.25%
• • No Orig. Fees
  • Points: 0

30-Year Fixed

• Gateway Bank & Trust Company: 4%
• • No Orig. Fees
  • Points: 0


• United Bank: 4.13%
• • No Orig. Fees
  • Points: 0


• Branch Banking & Trust Company: 4.13%
• • No Orig. Fees
  • Points: 0

Lowest Charlottesville ARM Rates

3/1 ARM

• Wells Fargo Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Branch Banking & Trust Company: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Gateway Bank & Trust Company: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

5/1 ARM

• Wells Fargo Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 1.13
  • Caps: 2% per Adjustment Period


• SunTrust Bank: 2.63%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Please note that these mortgage rates are accurate as of November 2011, but may change at any time. Additionally, borrowers may be subject to additional requirements or credit approval in order to receive the lowest advertised rate. Please contact individual lenders to verify rates before applying for a loan.