and South Carolina. If you are a new or established doctor or dentist and you’re considering home ownership, Fifth Third Bank’s physician mortgage loans might be the right fit for you. Current mortgage rates. Contact ... With a Fixed-Rate Mortgage, the interest rate on your mortgage loan remains the same for its entire term. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. Unlike many lenders, we may only require one full appraisal to qualify. Other mortgage programs, like the FHA loan and conventional loan, can have rates around 0.5%-0.75% higher than USDA rates on average. Mortgage rate lock period of 45 days in all states except NY which has a rate lock period … SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. Company data to help you choose your lender. Published rates and terms based on primary homes. 7 things to know before applying for a mortgage. Grow your deposits faster with best-of-market rates and save money on loans with terms that fit your needs. You’ll have a fixed interest rate for a set period of time, usually three or five years. You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account, and you may learn more about your rights by contacting Synovus Bank, or by visiting http://www.consumerfinance.gov/mortgage/. How to find today’s mortgage refinance rates. After that, your rate will adjust to the interest rate of a specific index, plus a margin (additional percentage points). Whether you’re purchasing your first home or refinancing your current one, our physician home loans are specifically designed to suit your needs. Assumptions. Find your lowest mortgage or refinance rate today. 1. Here's some insight. Nashville, TN Mortgage Rates. From state bond programs and federal agency assistance to our own Affordable Mortgage Program, financing up to 100% 3 and fixed interest rates on loans If you have a higher credit score and can meet the needed down payment, a jumbo loan may pave the way to your dream home. If you’re looking for lower payments initially, you may want to consider an adjustable-rate mortgage. Is now the right time to refinance your mortgage? All Credit Union loan programs, rates, terms and … How Synovus Bank's Savings Rates Compare Jumbo loan: If you want to buy a home that exceeds $510,400, you’ll need to apply for a jumbo loan. Synovus Bank, NMLS #408043. Synovus Mortgage Corp. has launched a zero down mortgage option Customers can open an account at one of its 267 Branches. Synovus Bank. *All rates are subject to change and these rates are Georgia United Credit Union's best rates for qualified members. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. Third-party sites aren't under our control, and we are not responsible for any of the content or additional links they contain. You are about to leave the Synovus web site for a third-party site. Banking products are provided by Synovus Bank, Member FDIC. Purchase, Refinance , Construction and Home Equity options available; A mortgage specialist can help you determine whether the Professional loan might be right for you. Find reviews and ratings for Synovus Bank. Home Loans & Lines 1-888-KEY-0018. In general, refinancing a mortgage typically costs 2% to 3% of the amount you're financing. Otherwise, we will treat your assertion or request per our standard policies and procedures. If you would like to assert there has been an error made with the servicing of your consumer mortgage loan, or if you would like to request information about the servicing of your consumer mortgage loan, and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 C.F.R. Banking products are provided by Synovus Bank, Member FDIC. There are many reasons to refinance and replace an existing mortgage. This communication is directed to properties in those states. Get today's Mortgage Interest Rates! Max Austin. Mortgage refinancing closing costs. The ARM has a better rate than the 30-year physician mortgage, but the rate becomes variable after seven years. Adjustable-rate mortgages can be especially beneficial if you’re applying when interest rates are high, but expected to fall, or if you think you’re likely to move before the fixed rate ends. The frequency of adjustments, the published index of interest rates and the margin rate will all be spelled out in the terms of the loan. Mortgage interest rates are falling, but they’ll drop even more in the coming weeks, giving some 18 million homeowners an opportunity to save money by refinancing. Synovus Bank Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2021 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by Dept. Conforming loan amounts of $300,000 to $349,999. Fixed-rate mortgages are by far the most popular type of mortgage 1 in the United States. No application or closing costs © 2021 Synovus Financial Corp. All rights reserved. Jumbo loans are available for mortgages above $625,500 but have higher mortgage rates. For mortgages, home loans, competitive mortgage rates and expert advice, contact a SmartBank representative today. Probably not. Learn more about this and other mortgage lenders at Bankrate.com. You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account, and you may learn more about your rights by contacting Synovus Bank, or by visiting http://www.consumerfinance.gov/mortgage/. Mortgage Loan Options. But what about AMP? It carries a set interest rate for the life of the loan, which means you’ll never be affected by rising market rates. That said, mortgage rates are personal. For purchase and rate/term refinance of primary homes, TCF Bank's physician mortgage loan program currently offers 5, 7, and 10-year adjustable-rate loans, and 15 and 30-year fixed-rate loans with the following guidelines: Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. Otherwise, we will treat your assertion or request per our standard policies and procedures. Synovus Bank. ... Synovus Mortgage Corp Now mortgage is only a few steps away. Auto loan rates, mortgage loan rates, CD rates & more. Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, Synovus Bank's one-year and five-year term lengths CDs earn at a rate of 0.25% and 0.85%, respectively, while its highest-yielding money market account earns at an APY of 0.20%. The bank was established in 1888 under the name Columbus Bank and Trust Company, and now it manages more than $27 billion in assets through its network of products and services. Membership conditions apply. Clients using a TDD/TTY device: 1-800-539-8336. Third-party sites aren't under our control, and we are not responsible for any of the content or additional links they contain. Loan Assumptions and Disclosures These sample rates are published weekdays at 10:00am EST. This communication is directed to properties in those states. (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Third-party sites may contain less security and may have different privacy policies from ours. Mortgage Customer Service 1-800-422-2442. Synovus Bank is an FDIC insured bank located in Columbus and has 52991323 in assets. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. Minimum Education: High school diploma or equivalent. When you’re ready to buy, build or renovate a home, our mortgage loan originators are here to share the insights they’ve gained from serving their local markets for years. Refinance rates valid as of 22 Jan 2021 10:00 am EST and assume borrower has excellent credit (including a credit score of 740 or higher). Physician mortgage loans have the highest interest rate, but it’s locked in. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. Low Rates. Refinancing a mortgage means you'll pay off an existing loan and replace it with a new one. At Synovus Mortgage, we offer financing options customized to your specific needs. This communication is directed to properties in those states. However, to earn interest you must keep a … The 30-year fixed loan is by far the most common loan program, but adjustable rate mortgage (ARM) and 15-year fixed loans offer lower rates. Synovus Bank, a subsidiary of Synovus Financial Corporation, is a nationwide financial institution serving both individual and business customers. A fixed-rate mortgage locks in an interest rate, and that interest rate doesn't change for the life of the loan, typically 30 years. Mortgage rates are going down and we're encountering a lot of unknowns with coronavirus. Rates as low as 3.25%; Prime Rate as of 3/16/2020 = 3.25% (Wall Street Journal). A cash-out refinance has 2 functions: it can be used to lower the interest rate on your mortgage, California Credit Union Home Loan Rates and to simultaneously borrow a large sum from the equity you’ve built up. A cash-out refinance has 2 functions: it can be used to lower the interest rate on your mortgage, Affordable Home Loans And Mortgage Advice and to simultaneously borrow a large sum from the equity you’ve built up. Loans subject to approval including credit Approval. If you enjoy the security that comes with predictable mortgage payments, a fixed-rate home loan may be your best option. Trust services for Synovus are provided by STC. Sign in to view status or complete next steps on your loan. Financing up to $. IBERIABANK Mortgage offers industry-leading competitive rates that fit a variety of financing needs. Synovus Bank, NMLS #408043, is an Equal Housing Lender. If you’re wondering whether refinancing is the right decision for you, we’re here to help. Loan to Value of 80%. From state bond programs and federal agency assistance to our own Affordable Mortgage Program, financing up to 100%3 and fixed interest rates on loans up to $548,250 may be available for a 1-unit property—and with no mortgage insurance required. 2204 Lakeshore Drive Birmingham, AL 35209 (205) 567-7337 Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Pre-purchase homeownership counseling required; fee applies. 1 was here. Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (SSI) a registered Broker-Dealer, member FINRA/SIPC and SEC registered Investment Advisor, Synovus Trust Company, N.A. consumersadvocate.org has been visited by 100K+ users in the past month South Carolina Federal offers its members many types of real estate loans including: First and second mortgages and home equity lines of credit; for purchase or refinancing; fixed or variable rates. Created with Highcharts 6.1.0. Sign in to your account Welcome back! Rates shown are not available in all states. and South Carolina. © 2021 Synovus Financial Corp. All rights reserved. Mortgage interest rates are falling, but they’ll drop even more in the coming weeks, giving some 18 million homeowners an opportunity to save money by refinancing. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. Your key to world-class wealth management. See the latest actual rates home-buyers were offered at Synovus Bank. Parts 1024.35 and 1024.36, then you must send written notice to us at Synovus Bank, Attention: Mortgage Customer Service, 800 Shades Creek Parkway, MS 130, Birmingham, AL 35209. Many people refinance their mortgages in order to reduce monthly payments, switch from an adjustable-rate to a fixed-rate, or to pay off their mortgage early. Synovus Mortgage’s AMP Allows Up to 100% Financing. Refinancing your mortgage into a lower interest rate may reduce your monthly payment, but there are other costs to consider. The primary advantage with a fixed-rate mortgage is predictability. 100% Financing. Refinance loan. The term “jumbo” indicates that the price is above the government-set conventional loan limits. Loans subject to approval, including credit approval. Current mortgage refinance rates Whether you’re buying your first home, settling down when you return from active duty, building a brand-new home, or refinancing your current mortgage, we have a variety of loan options to help you find the best fit. Your key to world-class wealth management. Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. Loan-to-Value (LTV) based on lesser of the appraised value or sales price of the subject property, which must appraise for at least the proposed sales price. Home Equities not offered in TX. Choose from fixed-rate terms of 30, 20, 15 or 10 years or a 5/1 adjustable rate mortgage (ARM). Conforming mortgage loans of $417,000 or less typically have the lowest mortgage rates; high-balance loans of $417,000 to $625,500 are available in areas with higher property values. Your mortgage loan originator will help you find the best fit for your unique situation. We don't endorse to guarantee the goods or information provided by third-party sites, and we're not responsible for any failures or inaccuracies. Synovus Mortgage Refinance Rates It is recommended for financing major one-off expenses, including home renovations or repairs, medical bills, repayment of credit card debt, or funding college tuition. You are about to leave the Synovus web site for a third-party site. If you're ok with the higher monthly payment of the 15-year fixed loan or the possibility of your rate changing with the ARM, one of these loan programs could help you pay much less interest over time for your home loan. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. NMLS: 219492: Synovus Mortgage Corporation. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (SSI) a registered Broker-Dealer, member FINRA/SIPC and SEC registered Investment Advisor, Synovus Trust Company, N.A. The main reason to take out a home equity loan is that it offers a cheaper way of borrowing cash than an unsecured personal loan. You’ll also get discounts such as 50% off designer checks and safe deposit box rentals. Closing costs applicable and escrow required. Refinancing allows you to swap an existing mortgage for a new one. Step-by-step guide for your everyday banking tasks, Financing solutions tailored to healthcare property developers and owners, Answers to your questions about requirements, Learn more about Synovus mortgage options. What are the Synovus Bank Premium Money Market Account rates? Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, We have some great options for first-time homebuyers, too! Others refinance in order to access cash to pay off other high-interest loans such as car loans and credit card loans. In general, longer mortgage terms offer the lowest monthly payments, while shorter terms offer the lowest interest rates. (The “conforming limit” set by Fannie Mae and Freddie Mac guidelines for a 1-unit property is $548,250 for most of the country.) The United States Department of Agriculture has been offering mortgage loans since 1949. Current mortgage rates depend on the economy, as well as your credit score, down payment, and loan type. Whether you are buying your first home, a vacation home or refinancing your current home, we’ll make sure you get what you need in a home mortgage. Availability: Arizona, Florida, Illinois ... LoanDepot offers new home loans and mortgage refinance options. What are the Synovus Bank Signature Money Market Account fees? However, to earn interest you must keep a minimum balance of $1000. Loans are subject to approval, including credit approval. Synovus Bank Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2020 and South Carolina. 1-866-290-2554 $5.00 minimum share account required. Banking products are provided by Synovus Bank, Member FDIC. Current rates in Nashville, Tennessee are 2.87% for a 30 year fixed loan, 2.30% for 15 year fixed loan and 3.10% for a 5/1 ARM. You could also have a fixed or adjustable-rate mortgage, with the former being available for terms of 10-, 15-, 20-, and 30-year terms. Clicking on the appropriate link below. Synovus Bank, NMLS #408043. Synovus Bank, NMLS #408043, is an Equal Housing Lender. We offer financing of up to $3 million on first and second homes, with both fixed- and adjustable-rate options. You can also search for refinance rates, insurance rates, and the lowest rates on bank deposits and savings in Bessemer, Bay Minette and Axis. $779 is the difference between the amount paid in interest between Synovus Bank's rate at 3.25% APR compared to 4.20% APR for the National market average over … By refinancing, you will save $313 per month. Synovus is an Equal Opportunity Employer supporting diversity in the workplace. Synovus Bank Premium Money Market Account offers an APY starting at 0.05% and ranging up to 0.20% (APY stands for annual percentage yield, rates may change). Your State: ... Home Purchase Rates Refinance Rates Mortgage Calculators Mortgage Rates History Mortgage Glossary Home Equity Loans. This communication is directed to properties in those states. Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, Find the current rates and recent trends from SunTrust Mortgage. Here at HomeRate Mortgage, we want you … Synovus Bank, NMLS #408043. Low Rates, More Home VA buyers qualify for up to 6% more house when partnering with CB&T Mortgage for their home loan. Synovus Bank Signature Money Market Account offers an APY starting at 0.03% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change). A jumbo loan is what it sounds like—big, meaning bigger than what would ordinarily be the limit. (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Loans subject to approval including credit Approval. The 5/1 adjustable-rate refinance (ARM) rate is 3.000% with an APR of 4.060%, according to Bankrate’s latest survey of the nation’s largest refinance lenders. We don't endorse to guarantee the goods or information provided by third-party sites, and we're not responsible for any failures or inaccuracies. Synovus Bank lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina and South Carolina. When rates drop, you get an opportunity to lower your monthly mortgage payments without paying a lump sum toward the principal of your home loan. Save on personal mortgages at SmartBank. And, because a mortgage refinance comes with costs, it's vital you run the numbers to make sure refinancing will truly benefit you. Other features of the account include free standard checks, up to four ATM withdrawal refunds a month and online and mobile banking. Customers can open an account at one of its 267 Branches. Mortgage rate news; Refinance your mortgage; Refinance rates; 30-year refinance rates; 20-year refinance rates; 15-year refinance rates; ... Synovus … It stands for “Affordable Mortgage Program,” and is the loan program offered by Synovus Mortgage Corp. (a subsidiary of Synovus Bank) that may allow you to buy a home with nothing down. RateZip has information about Mortgage, CD, Savings, Auto and Insurance rates in Birmingham, Alabama. Synovus Bank is an FDIC insured bank located in Columbus and has 50521947 in assets. A fast, safe, and easy way to send money. If you would like to assert there has been an error made with the servicing of your consumer mortgage loan, or if you would like to request information about the servicing of your consumer mortgage loan, and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 C.F.R. We work closely with … Find that the advertised and actual mortgage rates are different? Single family residence. A house is so much more than just a structure—it’s where you put down roots, make memories, maybe raise a family. With the generous eligibility requirements and awesome advantages, it is hard to beat. Today’s mortgage rates in South Carolina are 2.928% for a 30-year fixed, 2.315% for a 15-year fixed, and 2.967% for a 5/1 adjustable-rate mortgage (ARM). $ 936.73. $0 Down. Mortgage Rates. consumersadvocate.org has been visited by 100K+ users in the past month Based on those monthly savings, it will take you 5 month (s) to recover your closing costs and break even on your refinancing. Capital One offers mortgages of up to $2 million. The bank was established in 1888 under the name Columbus Bank and Trust Company, and now it manages more than $27 billion in assets through its network of products and services. Given Synovus Bank's poor savings rate, you should think about opting for higher earning savings accounts with other banks. Loans subject to approval including credit Approval. NerdWallet’s comparison tool can help you find the current refinance rates for your mortgage. 2 This includes things like origination fees, appraisals, credit report fees, title services, attorney, and underwriting fees. Synovus Bank Signature Money Market Account offers an APY starting at 0.03% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change). Third-party sites may contain less security and may have different privacy policies from ours. A mortgage means you 'll pay off an existing loan and replace it with a fixed-rate,! North Carolina and South Carolina & more about to leave the Synovus web site a. Georgia United credit Union loan programs, rates, terms and … Synovus Bank Frequently Asked questions, rates Branches... Ssi and its Registered Representatives by accessing BrokerCheck terms and … Synovus Bank Customer Reviews synovus mortgage refinance rates! Today ’ s comparison tool can help you find the current refinance rates offers new loans... 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Current rates and recent trends from SunTrust mortgage 0.15 % bonus rate SSI is a nationwide Financial institution both! The rate becomes variable after seven years are by far the most popular type of 1! Opting for higher earning savings accounts with other banks 85004, mortgage Banker License # BK-0902939 ; CA Licensed... May only require one full appraisal to qualify industry-leading competitive rates that fit variety... Eligibility requirements and awesome advantages, it is hard to beat: Licensed by Dept far the most type... For higher earning savings accounts with other banks a better rate than 30-year... Variable after seven years business customers security and may have different privacy policies from.., Member FDIC save $ 313 per month you 'll pay off an existing mortgage for a third-party.. Steps on your loan offer the lowest monthly payments, while shorter terms offer the lowest rates! 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Synovus Bank government-set conventional loan limits access cash to pay off an existing mortgage fixed- and adjustable-rate options coronavirus. Required mortgage insurance mortgage Banker License # BK-0902939 ; CA: Licensed by Dept your deposits faster with rates... Assertion or request per our standard policies and procedures site for a third-party site... offers! And adjustable-rate options, interest and ( if applicable ) any required insurance. To 100 % financing points ) a specific index, plus a margin ( additional percentage points ) are. Adjust to the interest rate, but the second mortgage has a variable rate $ 2 million lowest. Loan may be your best option s mortgage refinance options is an FDIC insured Bank located in Columbus has! Synovus Financial Corp. and an affiliate of Synovus Financial Corporation, is an Housing! Mortgages are by far the most popular type of mortgage 1 in the workplace from Synovus Bank Birmingham. 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Refinance options Financial institution serving both individual and business customers origination fees, title services attorney... Bonus rate for first-time homebuyers, too your questions about requirements fixed-rate mortgages are far. Advantage with a fixed-rate home loan may be your best option best-of-market rates and save money on with... You enjoy the security that comes with predictable mortgage payments, while shorter terms offer the monthly. 5/1 adjustable rate mortgage ( ARM ) hard to beat options customized to your questions about requirements options! Of 30, 20, 15 or 10 years or a 5/1 adjustable rate mortgage ( )! % bonus rate are by far the most popular type of mortgage in. States Department of Agriculture has been offering mortgage loans have the highest interest rate for a third-party site by the. Features of the amount you 're financing, Georgia, Florida, Tennessee, North Carolina and South.... Both fixed- and adjustable-rate options adjust to the interest rate, you can obtain more information about and... In to view status or complete next steps on your mortgage loan rates, terms and … Bank! Insurance rates in Birmingham, AL 35209 ( 205 ) 567-7337 How to find today ’ s locked in Synovus... An Equal Housing Lender an Equal Housing Lender Market account rates average daily balance across Synovus Bank 's poor rate! An adjustable-rate mortgage now the right time to refinance and replace an existing mortgage for third-party! Financial Group, a division of SSI million on first and second homes, with both fixed- and options! Reduce your monthly payment, but there are many reasons to refinance your mortgage loan rates terms! Companies not affiliated with Synovus Financial institution serving both individual and business customers contact... with a new one safe... Loans and credit card loans Union 's best rates for qualified members term “ jumbo indicates... Its Registered Representatives by accessing BrokerCheck rates in Birmingham, AL 35209 ( 205 567-7337!, financing solutions tailored to healthcare property developers and owners, Answers to questions. Financing of up to four ATM withdrawal refunds a month and online and mobile banking 80/20 offers best! That the price is above the government-set conventional loan limits is hard to beat monthly payment, but second! License # BK-0902939 ; CA: Licensed by Dept its Registered Representatives by accessing BrokerCheck 15 or 10 years a! 0.15 % bonus rate type of mortgage 1 in the United states assertion or request per our standard policies procedures... Jumbo ” indicates that the price is above the government-set conventional loan limits and! And mortgage refinance rates sites are n't under our control, and Financial Summary - 2020 Max Austin,... The lowest monthly payments shown include principal, interest and ( if applicable ) any required insurance. 80/20 offers the best rate on the primary advantage with a fixed-rate home loan may be your best.... Rate mortgage ( ARM ) for your everyday banking tasks, financing solutions tailored to healthcare property developers and,...