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Get a loan estimate
To receive your loan estimate, please call one of our lending specialists at 866.466.0979 during our normal operating hours (Mon-Fri 8 a.m. - 10 p.m. ET, Sat 8 a.m. - 6:30 p.m. ET). The loan estimate will tell you what we expect to offer you if you decide to move forward, but does not represent a loan approval.
You can also use our Closing Cost Calculator to estimate your total closing expenses for purchasing a home.
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Today's low
mortgage rates scroll to rates disclosure
Rates based on a $200,000 loan in ZIP code 95464
Rates based on a $200,000 loan in ZIP code 95464
Mortgage Rates Table
5y/6m ARM Variable X.XXX%
5y/6m ARM Variable X.XXX%
Rate
The rate of interest on a loan, expressed as a percentage.
Annual percentage yield (APR)
The annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, points and loan origination fees) to reflect the total cost of the loan.
Points
An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points. One point equals one percent of the loan amount (for example, 2 points on a $100,000 mortgage would equal $2,000).
Monthly Payment (estimated)
The estimated monthly payment includes principal, interest and any required mortgage insurance (for borrowers with less than a 20% down payment). The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment. If you have an adjustable-rate loan, your monthly payment may change once every six months (after the initial period) based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index.
Fixed-rate mortgage
A home loan with an interest rate that remains the same for the entire term of the loan.
Adjustable-rate mortgage (ARM)
Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.S. Treasury-Index (T-Bill) or the Secured Overnight Financing Rate (SOFR). Bank of America ARMs generally use SOFR as the basis for ARM interest rate adjustments.
Your monthly payment may fluctuate as the result of any interest rate changes, and a lender may charge a lower interest rate for an initial portion of the loan term. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period (the time between interest rate recalculations) and the life of the loan.
We need additional information
In order to provide you with the best possible rate estimate, we need some additional information. Please contact us in order to discuss the specifics of your mortgage needs with one of our home loan specialists.
We offer a wide range of loan options beyond the scope of this calculator, which is designed to provide results for the most popular loan scenarios. If you have flexible options, try lowering your purchase price, changing your down payment amount or entering a different ZIP code.
Preferred Rewards members may qualify for an origination fee or interest rate reduction based on your eligible tier at the time of application. Depending on your tier, you may be required to enroll in PayPlan from an eligible Bank of America deposit account at least 10 days prior to loan closing in order to receive the full program benefit.
Learn more about Preferred Rewards
Fixed-rate mortgages
Set interest rate for the life of the loan
Your monthly payments of principal and interest remain the same for the life of the loan
Learn more about fixed-rate mortgages
Adjustable-rate mortgages (ARMs)
Interest rate may change periodically during the loan term
Your monthly payment may increase or decrease based on interest rate changes
Learn more about adjustable-rate mortgages
Jumbo Loans
For borrowers needing higher loan amounts
Available as fixed-rate or adjustable-rate loans
Learn more about jumbo loans
Affordable Loan Solution® mortgage
Down payment as low as 3%
Income limits apply
Learn more about Affordable Loan Solution® mortgage
FHA & VA loans
Government loans from the Federal Housing Administration and the U.S. Department of Veterans Affairs
Low down payment options with flexible credit and income guidelines
Learn more about FHA and VA loans
Doctor Loans
Specifically designed for licensed and practicing doctors and dentists, medical residents and fellow and other eligible medical professionals
Flexible options. Student loan debt may be excluded from the total debt calculation
Learn more about Doctor Loans
Your prequalification
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Prequalify
Thinking about buying a home? Prequalify now to estimate what you can borrow.
Mortgage basics
Get information on buying your first home – and what to expect from the process.
Home‑buying tipsGet information on buying your first home – and what to expect from the process.
Home‑buying tipsWith so many different mortgages available, choosing one may seem overwhelming.
Understanding your mortgage optionsWith so many different mortgages available, choosing one may seem overwhelming.
Understanding your mortgage options- Learn more about mortgages
- Learn more about mortgages