Interest Rates

We offer competitive rates for our loan programs. If you don't see a rate you're looking for, you can use our Rate Tracker service to request that we notify you when rates reach a certain level.

Rates are subject to changing market conditions.

Rates last updated on Feb 22 2012, 10:14AM Get rates delivered to your inbox
30 Year Fixed
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.625% 1.00% 0.000 View Fees 3.802% $684.08 Apply Now
4.000% 0.00 0.000 View Fees 4.069% $716.12 Apply Now
20 Year Fixed
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.500% 1.00% 0.000 View Fees 3.746% $869.94 Apply Now
3.875% 0.00 0.000 View Fees 3.970% $899.12 Apply Now
15 Year Fixed
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
2.875% 1.00% 0.000 View Fees 3.187% $1,026.88 Apply Now
3.375% 0.00 0.000 View Fees 3.496% $1,063.14 Apply Now
10 Year Fixed Rate Mortgage
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
2.750% 1.00% 0.000 View Fees 3.204% $1,431.17 Apply Now
3.375% 0.00 0.000 View Fees 3.550% $1,474.52 Apply Now
30 Year Fixed Jumbo
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
4.500% 1.00% 0.000 View Fees 4.616% $2,533.43 Apply Now
5.125% 0.00 0.000 View Fees 5.147% $2,722.43 Apply Now
USDA-RD Loan
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.500% 1.00% 0.000 View Fees 3.724% $449.04 Apply Now
3.750% 0.00 0.000 View Fees 3.852% $463.12 Apply Now
30 Year FHA Fixed
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.500% 1.00% 0.000 View Fees 3.935% $449.04 Apply Now
3.750% 0.00 0.000 View Fees 4.069% $463.12 Apply Now
30 Year VA Fixed
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.500% 1.00% 0.000 View Fees 3.724% $449.04 Apply Now
3.750% 0.00 0.000 View Fees 3.852% $463.12 Apply Now
5/1 Year ARM
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
2.500% 1.00% 0.000 View Fees 3.405% $592.68 Apply Now
3.500% % 0.000 View Fees 3.648% $673.57 Apply Now
7/1 Year ARM
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.000% 1.00% 0.000 View Fees 3.708% $632.41 Apply Now
3.625% 0.00 0.000 View Fees 3.891% $684.08 Apply Now
10/1 Year ARM
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
3.500% 1.00% 0.000 View Fees 4.060% $673.57 Apply Now
3.875% 0.00 0.000 View Fees 4.181% $705.36 Apply Now
FNMA Homepath
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment  
4.625% 1.00% 0.000 View Fees 4.813% $771.21 Apply Now
5.250% 0.00 0.000 View Fees 5.324% $828.31 Apply Now

**Rates are subject to change and may vary with credit worthiness, product guidelines, and the verification process. Rates based on $150,000 loan amount with a 740 minimum credit score for purchase or rate-term refi. Jumbo Rates based on loan amount of $500,000 minimum loan amount. Some rate adjustments and restrictions may apply depending on product. Call for up to date pricing. Equal Housing Lender. We offer Lock and Shop with FREE Float Down! NMLS #: 185820


Contact Information:
Spicer and Hammond Mortgage LLC
1604 Gunter Ave
Guntersville, Alabama 35976
Phone: 256-582-2236
Fax: 256-582-2238

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