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Rates on the move
Did you know that in 1981 mortgage rates hit a high of 18.45 percent? Or that the average since 1971 is 7.77 percent?
In times of fluctuating rates, AmeriSave is always here to help you find the best rate available to maximize your savings. Select a date to compare rates.
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Rates displayed are based on historical data from Freddie Mac. Listed rates are provided for general informational purposes about historical rate trends, and do not reflect historical rates of AmeriSave or rates that may be available at this time. See terms and conditions applicable to current rates. For current rates, click here.
Lock & Shop
Put a hold on rates with Lock & Shop. Once you’re preapproved for a loan, start shopping with the confidence that your rate is locked in for up to 90 days.Learn more
Enter your desired monthly payment to see how the home price you can afford changes at various rates.
*Ideal Monthly Payment" is just an estimate and does include all monthly costs, such as taxes and insurance. This material is provided for general and educational purposes only; it is not intended to provide legal, tax, or investment advice.
Cash-out refi loans
Even in times of higher interest rates, mortgage rates are generally lower than credit card rates. Paying off higher interest debt with a cash-out refinance loan can save you thousands.Learn more
You deserve options
Your mortgage should fit your needs and help you save the most you can. That's why we offer a variety of loan options.
Mortgage Loans FAQ
A 30-year loan spreads out your home mortgage over a longer period (typically with lower fixed interest rates), so you pay less each month, and potentially allows you to afford a more expensive home.
A 15-year loan will typically result in a higher monthly payment for the same loan amount but will cost you less in total mortgage interest because you pay the loan off sooner.
Learn more about conventional mortgage loans
Learn more about FHA mortgage loans
Learn more about VA loans
What’s in a rate?
Some FAQs about interest rates
Mortgage Rates FAQ
For buyers, we ask about the home price, your location, your income, whether you already own a home, and other details that inform how big a loan you need, whether you qualify for any federal programs, and what you can afford.
For those who wish to refinance, we ask about how much equity is in the home, how much is owed, what your goals are (cash out, home improvement funding, lower monthly payment, etc.) and then determine the best loan for you.
Once you’ve answered those questions, we look for a loan (and a rate) that is the best fit for you—not someone else.
But an imperfect credit score (typically one under 620) is not a deal-breaker, particularly if you qualify for one of the government backed loans (FHA, VA, USDA, etc.), which have more lenient income and credit requirements. Lenders may also counter the risk of a borrower with a low credit score by offering a higher interest rate.
Learn more about credit scores and mortgage rates
If you chat online or call a lender, are they listening and responding with helpful information? Are they friendly or do they sound rushed? Customer service is important as you move through the application process. Homebuying and refinancing a loan can be tedious and take several weeks; you want a partner you can count on from now until closing day. At AmeriSave, we combine technology and a human touch to give our customers the best of both worlds: low rates and excellent service.
Read more about choosing lenders in Tips When Comparing Mortgage Lenders and Choosing a Refinance Lender That’s Right for You.
Want to keep track of rates?
Stay on top of interest rates with text alerts from MyAmeriSave. We’ll notify you of any significant rate fluctuations so you don’t miss a beat.
Tools for success
Try our calculators to estimate a payment, what size loan you can afford, and more.
Learn more in our Knowledge Center
from the experts
Understanding How Mortgage Interest Rates Work
Learn the ins and outs of mortgage rates (whether you’re buying or refinancing) so you can better compare loan rates, offers and make smarter financial decisions.
Why It’s Important to Get Preapproved
Obtaining a preapproval is one of the first steps you should take in your house hunting process. It gives you leverage as a buyer and a borrower.
How Your Credit Affects Your Mortgage Rates
Learn how your credit score impacts your ability to buy or refinance a home and the rates you’re offered. We break it all down for you in plain language.