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VA Loan Funding Fee: What You’ll Pay and Why in 2017

When you hear all of the amazing benefits of a VA loan, it’s natural to get a bit excited. You get a lower interest rate and more lenient credit standards than with a conventional loan, there’s no mortgage insurance required, and you don’t even have to make a down payment. You’re bound to think, “What’s the catch?”

The catch is the VA funding fee. It can come as quite the surprise to qualified VA home loan borrowers. You may not even know there is such a thing until the lender tells you. And it’s not a small-change charge. The Department of Veterans Affairs uses the fee to help defray the costs of VA-guaranteed loans that default.

Here’s what you need to know about the VA funding fee.

How much is the VA mortgage funding fee?

If you’re eligible for a VA-backed home loan, you are gaining a valuable benefit in return for your service to America. But, with few exceptions, a one-time funding fee must be paid directly to the Department of Veterans Affairs for each home loan, whether it’s for a VA purchase or VA refinance.

» MORE: How much home can you afford?

The amount of the funding fee is based on your service, how much you’re putting down and if you’ve ever had a VA-backed loan before. (If you have, a new loan is called “subsequent use.”)

Here’s how the fees break down as a percentage of the loan amount:

VA funding fee

When you don’t have to pay a VA funding fee

There are generally two situations when you won’t have to pay a VA funding fee:

  • If you are entitled to or receiving compensation for a service-connected disability
  • Or, if you are “a surviving spouse of a veteran who died in service or from a service-connected disability,” the Department of Veterans Affairs says

You don’t have to pay the funding fee out of pocket

For some borrowers, the VA funding fee can be an unexpected expense or one that they are not prepared to pay. There is an option to consider: You can roll the funding fee into your total loan amount. While that gets you off the hook for paying out a sizable lump sum upfront, it also means that your monthly payment — and your total loan costs — will be higher. Here’s what that looks like:

On a 30-year, $300,000 purchase mortgage at 4%, regular military, with 0% down — and just considering principal and interest, not taxes, insurance or anything else — your monthly payment would be around $1,430. The VA funding fee for a first-time VA borrower would be $6,450 (2.15%). But that’s if you paid the funding fee out of pocket.

By rolling that $6,450 into your loan amount, it adds over $11,000 in total costs over the life of the loan — and your monthly payment would increase by $30 to around $1,460 a month.

» MORE: Use our VA loan calculator to determine your monthly payment

And it’s not the only fee you’ll see

The VA funding fee won’t be the only charge you’ll face at closing. Mortgage loans come with closing costs and can include discount points, lender fees, an appraisal, credit report, property taxes and more.

You can negotiate some of these fees, and the seller of the home might be persuaded to pay for some of them. And again, you can roll some or all of the costs into your loan amount.

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

The article VA Loan Funding Fee: What You’ll Pay and Why in 2017 originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

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Mortgage Rates Friday, April 28: Hovering Near 2017 Lows

Mortgage rates for 30-year fixed-rate loans ticked slightly lower, while 15-year fixed-rate loans and 5/1 ARMs were unchanged, according to a NerdWallet survey of mortgage interest rates published by national lenders Friday morning.

Mortgage rates have completed their third week in a row of moving within a very narrow range, less than one-eighth (0.125) of a percentage point, according to the NerdWallet Mortgage Rate Index.

Next week, the Federal Reserve will announce its latest decision regarding short-term interest rates. Analysts are expecting the central bank to stand firm, likely waiting until its June meeting to raise rates again. Barring a surprise in the U.S. employment report next Friday — or unexpected world events — mortgage rates may remain in calm waters for the short term.


MORTGAGE RATES TODAY, FRIDAY, APRIL 28:

(Change from 4/27)
30-year fixed: 4.20% APR (-0.01)
15-year fixed: 3.58% APR (NC)
5/1 ARM: 3.83% APR (NC)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
How much house can I really afford?
Find a mortgage broker
Refinance calculator

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Friday, April 28: Hovering Near 2017 Lows originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Thursday, April 27: Lower After Trump Tax Plan Preview

Mortgage rates for 30-year and 15-year fixed-rate loans, as well as 5/1 ARMs, all eased a bit lower today, according to a NerdWallet survey of mortgage rates published by national lenders Thursday morning.

The preview of the Trump tax plan on Wednesday didn’t compel the bond market to make a major move. But after a week of slowly climbing higher, mortgage rates took a step or two backward today. Without significant economic events to guide them, most lenders merely fine-tuned their rates, with the majority repricing ever-so-slightly lower.


MORTGAGE RATES TODAY, THURSDAY, APRIL 27:

(Change from 4/26)
30-year fixed: 4.21% APR (-0.01)
15-year fixed: 3.58% APR (-0.01)
5/1 ARM: 3.83% APR (-0.02)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
Cost of living calculator
Compare mortgage refinance rates
Find a real estate agent

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Thursday, April 27: Lower After Trump Tax Plan Preview originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Wednesday, April 26: Stepping Higher

Mortgage rates for 30-year and 15-year fixed, as well as 5/1 ARMs, all stepped higher today, according to a NerdWallet survey of current mortgage rates published by national lenders Wednesday morning.

Overall home loan applications completed during the week ending April 21 rose 2.7% and refinance volume gained 7% week-over-week, according to the Mortgage Bankers Association. Low rates fueled the loan activity. However, mortgage application volume was 18% lower than the same week one year ago.

A booming spring home sales season is no sure thing: Since last week’s MBA survey, mortgage rates have crept higher.

“Home prices are climbing faster than incomes, and affordable and starter homes are few and far between,” Joseph Kirchner, senior economist for Realtor.com said in a statement. “This is going to keep many would-be buyers on the sidelines.”


MORTGAGE RATES TODAY, WEDNESDAY, APRIL 26:

(Change from 4/25)
30-year fixed: 4.22% APR (+0.03)
15-year fixed: 3.59% APR (+0.03)
5/1 ARM: 3.85% APR (+0.01)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
Calculate your refinance savings
The pros and cons of home equity lines of credit
Best lenders for FHA loans

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Wednesday, April 26: Stepping Higher originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Tuesday, April 25: Mostly Higher; Little Change for a Month

Mortgage rates for 30-year home loans held firm today, while 15-year fixed and 5/1 ARM rates climbed slightly higher, according to a NerdWallet survey of mortgage interest rates published by national lenders Tuesday morning.

After falling to 2017 lows, 30-year mortgage rates have bounced well within a quarter-point range for a month, according to the NerdWallet Mortgage Rate Index. There has been little economic news to move the bond market, and another short-term interest rate hike by the Federal Reserve isn’t expected until June, at the earliest.

President Trump’s tax reform proposal might be the next catalyst to move mortgage rates. The plan is expected to be revealed as soon as tomorrow.


MORTGAGE RATES TODAY, TUESDAY, APRIL 25:

(Change from 4/24)
30-year fixed: 4.19% APR (NC)
15-year fixed: 3.56% APR (+0.03)
5/1 ARM: 3.84% APR (+0.02)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
Compare online mortgage refinance lenders
Compare mortgage refinance rates
Find a mortgage broker

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Tuesday, April 25: Mostly Higher; Little Change for a Month originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Monday, April 24: Higher After French Election

Mortgage rates for 30-year and 15-year fixed rates, as well as 5/1 ARMs, moved slightly higher today, according to a NerdWallet survey of mortgage rates published by national lenders Monday morning.

So far, the stock market likes the results from this weekend’s presidential election in France. The French political establishment was rebuffed, with political novice Emmanuel Macron — a centrist candidate — and far-right contender Marine Le Pen set to face off in the second round of the election next month.

The bond market sagged on the news, sending yields higher. As a result, mortgage rates rose a bit as well, according to the NerdWallet Mortgage Rate Index.


MORTGAGE RATES TODAY, MONDAY, APRIL 24:

(Change from 4/21)
30-year fixed: 4.19% APR (+0.04)
15-year fixed: 3.53% APR (+0.03)
5/1 ARM: 3.82% APR (+0.02)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
The pros and cons of home equity lines of credit
Best lenders for FHA loans
Calculate your monthly mortgage payment

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Monday, April 24: Higher After French Election originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Friday, April 21: Rates Stall, Cling to 2017 Lows

Mortgage rates for 30-year fixed loans were unchanged, while 15-year fixed rates ticked up a notch. Meanwhile, 5/1 ARMs moved a fraction lower today, according to a NerdWallet survey of mortgage rates published by national lenders Friday morning.

Matthew Graham, founder and editor of Mortgage News Daily, says the recent stall in mortgage rates is not yet a reversal of a downward trend.

“The past few days of weakness haven’t remotely threatened the short-term trend toward lower rates. To be clear, that doesn’t mean the trend won’t necessarily come under threat in the near future — simply that it hasn’t officially been challenged,” Graham wrote in an analysis posted this morning.


MORTGAGE RATES TODAY, FRIDAY, APRIL 21:

(Change from 4/20)
30-year fixed: 4.15% APR (NC)
15-year fixed: 3.50% APR (+0.01)
5/1 ARM: 3.80% APR (-0.01)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
Compare mortgage rates
Get a mortgage preapproval
Find a mortgage broker

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Friday, April 21: Rates Stall, Cling to 2017 Lows originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Tax Advantages To Home Ownership

Tax Advantages To Home Ownership | Realty Solutions Group

Many Americans received bad news last week: either the tax return they were hoping for wasn’t as large as they were expecting or that they actually owed more money to either the Federal or State government or both. To save money, there are tax advantages to owning your own home.

According to the Tax Policy Center’s Briefing Book -“A citizen’s guide to the fascinating (though often complex) elements of the federal Tax System” – there are several tax advantages to homeownership.

The book Briefing gives you four items and a quote to go along with each one:

1. Mortgage Interest Deduction

“Homeowners who itemize deductions may reduce their taxable income by deducting any interest paid on a home mortgage. The deduction is limited to interest paid on up to $1 million of debt incurred to purchase or substantially rehabilitate a home. Homeowners also may deduct interest paid on up to $100,000 of home equity debt, regardless of how they use the borrowed funds. Taxpayers who do not own their home have no comparable ability to deduct interest paid on debt incurred to purchase goods and services.”

2. Property Tax Deduction

“Homeowners who itemize deductions may also reduce their taxable income by deducting property taxes they pay on their homes.”

3. Imputed Rent

“Buying a home is an investment, part of the returns from which is the opportunity to live in the home rent-free. Unlike returns from other investments, the return on homeownership—what economists call “imputed rent”—is excluded from taxable income. In contrast, landlords must count as income the rent they receive, and renters may not deduct the rent they pay. A homeowner is effectively both landlord and renter, but the tax code treats homeowners the same as renters while ignoring their simultaneous role as their own landlords.”

4. Profits from Home Sales

“Taxpayers who sell assets must generally pay capital gains tax on any profits made on the sale. But homeowners may exclude from taxable income up to $250,000 ($500,000 for joint filers) of capital gains on the sale of their home if they satisfy certain criteria: they must have maintained the home as their principal residence in two out of the preceding five years, and they generally may not have claimed the capital gains exclusion for the sale of another home during the previous two years.”

Bottom Line

We are not suggesting that you purchase a house just to save on your taxes. However, if you have been on the fence as to whether 2017 is the year you should become a homeowner, this information might help with that decision.

Disclaimer: Always check with your accountant to find out what tax advantages apply to you in your area. 

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Mortgage Rates Thursday, April 20: Slightly Higher, Still at 5-Month Lows

Mortgage rates for 30- and 15-year fixed loans, as well as for 5/1 ARMs, were slightly higher today, according to a NerdWallet survey of mortgage interest rates published by national lenders Thursday morning.

Generally mortgage rates have been trending lower for more than a month. Today’s slight shift up wasn’t a result of economic news or a bond market shake up. In fact, this morning’s survey of lenders was a split decision: many held firm, while some moved their pricing higher. All in all, it was enough to nudge the average survey rate up a bit.

Fixed mortgage rates still remain near five-month lows, according to the NerdWallet Mortgage Rate Index.


MORTGAGE RATES TODAY, THURSDAY, APRIL 20:

(Change from 4/19)
30-year fixed: 4.15% APR (+0.04)
15-year fixed: 3.49% APR (+0.01)
5/1 ARM: 3.81% APR (+0.01)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
Cost of living calculator
Get a mortgage preapproval
Find a real estate agent

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Thursday, April 20: Slightly Higher, Still at 5-Month Lows originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

Mortgage Rates Wednesday, April 19: Lowest Since Mid-November

Mortgage rates today for 30- and 15-year fixed loans fell slightly, while rates for 5/1 ARMs were unchanged, according to a NerdWallet survey of current mortgage rates published by national lenders Wednesday morning.

Fixed mortgage interest rates are at their lowest point since mid-November 2016, according to the NerdWallet Mortgage Rate Index.

In its April Economic and Housing Outlook, Fannie Mae says, “Recent declines in mortgage rates may motivate some home buyers to enter the market before rates pick up.” The government-sanctioned company that helps fund the mortgage market expects the Federal Reserve to raise short-term interest rates two more times this year, most likely in June and September.

Meanwhile, mortgage applications fell 1.8% from the prior week, according to the Mortgage Bankers Association report for the week ending April 14.


MORTGAGE RATES TODAY, Wednesday, APRIL 19:

(Change from 4/18)
30-year fixed: 4.11% APR (-0.02)
15-year fixed: 3.48% APR (-0.01)
5/1 ARM: 3.80% APR (NC)

Get personalized mortgage rates

» MORE: How much home can you afford?

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet
The pros and cons of home equity lines of credit
Best lenders for FHA loans
Calculate your monthly mortgage payment

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @halmbundrick.

Get Daily Mortgage Rate Updates

Don’t miss a rate change that could cost you hundreds each year.
We’ll email you each morning with the latest mortgage news.

  • Should be Empty:

The article Mortgage Rates Wednesday, April 19: Lowest Since Mid-November originally appeared on NerdWallet.

Realty Solutions Group was built around a simple but elusive concept: provide brokers and clients with the highest level of service in the industry through cutting-edge sales, marketing programs and a culture that values innovation, relationships and a strong local focus.

In less than 5 years, Realty Solutions Group is among the top independent brokerage firms in S/E Wisconsin.

As a locally-owned, independent company, Realty Solutions Group is deeply committed to supporting the communities and clients we serve. We are constantly evolving, but remain focused on that one simple idea behind our founding.

We are a full service brokerage with discounted commissions. We offer no long term listing contracts, a Performance Guarantee, Smart Seller Program and a Communication Guarantee. Contact us today and let us provide you with the very best real estate experience.

Powered by WPeMatico

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