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Mortgage Interest Rates in Birmingham, Huntsville & Mobile

Weber Mortgage provides home buyers with the most suitable mortgage interest rates. We have served clients in Birmingham, Huntsville, and Mobile, Alabama since 1999 and have earned quite a respected place among our clients. Our experts offer superior rates and services for VA, FHA, conventional, non-qualifying, and other types of home loans. From the first contact to the final closing, your biggest investment is our priority. We make your home loan process clear and straightforward.

Mortgage Interest Rate is Personal to You

Your Mortgage Interest Rate is Personal to You

When researching mortgage rates, it’s important to remember your mortgage interest rate is personalized just for you. The rates lenders offer are based on market conditions, your personal finances, how much you want to borrow, and much more.

Your rates may be higher – or lower – than the rates you see online. That’s why you should speak to one of our licensed loan advisors when you are interested in buying a home, refinancing a home, or getting cash from your home equity. We’ll work together to find the right loan at the mortgage rate that’s right for you!

Factors that Influence Your Mortgage Rate

Factors that Influence Your Mortgage Rate

Lenders consider many factors before they calculate an interest rate. These factors can affect the interest rate you might get to buy or refinance a home or get cash from your home equity.

  • Current interest rates
    The Fed Funds Rate (that is, the interest rate at which depository institutions lend money to each other overnight) is set by the Federal Reserve Board.
  • Your credit score
    People with higher credit scores generally get better interest rates than people with lower credit scores.
  • Paying for points
    Points are a way to “buy” a lower interest rate. One point is equal to 1% of the loan amount.
  • The term of the mortgage
    The number of years you have to pay back a mortgage is known as the loan’s “term.” The loan term can affect interest rates.
  • Type of loan
    There are many types of loans you might get to buy a home, refinance a home, or get cash from your home equity. These loans include FHA loans, Conventional loans, VA loans, & USDA loans.
  • Fixed-rate or adjustable rate
    When loans have a fixed rate, the amount of money you pay in interest stays the same. When loans have an adjustable rate, the amount of money you pay in interest can change over time.
  • How much money you want to borrow
    The size of your loan can affect the mortgage rate.
  • Your down payment
    When you are buying a house, the amount of your down payment can influence your mortgage rate.
  • Loan-to-value ratio
    When refinancing, your LTV can affect your mortgage rate too.

Why Choose Weber Mortgage?

At Weber Mortgage, we want to help you achieve your dream home. We are a family-owned company and we know how important it is for you to find what works for you and your family's best interest. Contact us online or call us at 205-751-8583 to take the first step in making your dream home come true.

Our services are available in Shannon, Ryland, Saraland, Princeton, Quinton, and other places throughout the state of Alabama.