Lowest Mortgage Rates in Charlotte: November 2011

Falling home values throughout the U.S., as well as here in Charlotte, are making right now a good time to purchase a home at an affordable price. Notwithstanding, the price of the property isn’t the only number you should consider. Charlotte mortgage rates will also have a big impact on the total price you pay for your new home.

If you’re considering buying, be sure you take the time to get the lowest possible mortgage rate first. We’ve detailed the local Charlotte financial institutions with the very best interest rates on home loans in November. Find out if there’s a great deal near you.

Current Best Mortgage Rates in Charlotte, NC

Different mortgage types are going to offer different mortgage rates, but no matter what type of loan you choose, there’s bound to be a great deal in Charlotte. Below are the lowest mortgage rates offered by local Charlotte lenders today for a variety of home loan types.

Best 15-Year Fixed Mortgage Rates in Charlotte

• Wachovia Bank, National Association: 3%
• • Orig. Fees: 1%
  • Points: 0.88


• Banco de la Gente: 3.25%
• • Orig. Fees: 1%
  • Points: 0


• Rock Financial: 3.25%
• • No Orig. Fees
  • Points: 1.75

Lowest 30-Year Fixed Mortgage Rates in Charlotte

• Banco de la Gente: 3.88%
• • Orig. Fees: 1%
  • Points: 0


• Rock Financial: 3.99%
• • No Orig. Fees
  • Points: 2


• Quicken Loans Inc: 3.99%
• • No Orig. Fees
  • Points: 2

Top 3/1 ARM Charlotte Mortgage Rates

• Wachovia Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.75
  • Caps: 2% per Adjustment Period


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


• Wachovia Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates in Charlotte for a 5/1 ARM

• Wachovia Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.75
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 0.75
  • Caps:


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

Be sure you confirm these rates with the lender before you apply. Mortgage rates are accurate as of 11/01/11, but could change at any time. Further, you may be subject to additional requirements or credit approval in order to obtain the lowest advertised Charlotte mortgage rate.