Synovus Bank, NMLS #408043, is an Equal Housing Lender. (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. 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. 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. Financing up to $. 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). Rates shown are not available in all states. A jumbo loan is what it sounds like—big, meaning bigger than what would ordinarily be the limit. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by Dept. 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. Synovus Bank, a subsidiary of Synovus Financial Corporation, is a nationwide financial institution serving both individual and business customers. A fast, safe, and easy way to send money. By refinancing, you will save $313 per month. Synovus Bank, NMLS #408043, is an Equal Housing Lender. 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. Others refinance in order to access cash to pay off other high-interest loans such as car loans and credit card loans. 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. Membership conditions apply. Created with Highcharts 6.1.0. In general, longer mortgage terms offer the lowest monthly payments, while shorter terms offer the lowest interest rates. Synovus Bank Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2021 consumersadvocate.org has been visited by 100K+ users in the past month 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. Sign in to view status or complete next steps on your loan. (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Synovus Bank, NMLS #408043, is an Equal Housing Lender. Here at HomeRate Mortgage, we want you … Probably not. Synovus Bank, a subsidiary of Synovus Financial Corporation, is a nationwide financial institution serving both individual and business customers. But what about AMP? Based on those monthly savings, it will take you 5 month (s) to recover your closing costs and break even on your refinancing. Minimum Education: High school diploma or equivalent. 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. Third-party sites may contain less security and may have different privacy policies from ours. Customers can open an account at one of its 267 Branches. *All rates are subject to change and these rates are Georgia United Credit Union's best rates for qualified members. 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). Max Austin. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. Synovus Mortgage Corp. has launched a zero down mortgage option Rates as low as 3.25%; Prime Rate as of 3/16/2020 = 3.25% (Wall Street Journal). 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. Learn more about this and other mortgage lenders at Bankrate.com. Refinancing a mortgage means you'll pay off an existing loan and replace it with a new one. Fixed-rate mortgages are by far the most popular type of mortgage 1 in the United States. Otherwise, we will treat your assertion or request per our standard policies and procedures. Refinance loan. 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. The conventional 80/20 offers the best rate on the primary mortgage, but the second mortgage has a variable rate. Find reviews and ratings for Synovus Bank. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. 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. Find your lowest mortgage or refinance rate today. Assumptions. Sign in to your account Welcome back! 7 things to know before applying for a mortgage. Your key to world-class wealth management. 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. IBERIABANK Mortgage offers industry-leading competitive rates that fit a variety of financing needs. Refinancing allows you to swap an existing mortgage for a new one. Closing costs applicable and escrow required. Banking products are provided by Synovus Bank, Member FDIC. Synovus is an Equal Opportunity Employer supporting diversity in the workplace. Single family residence. (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 primary advantage with a fixed-rate mortgage is predictability. and South Carolina. 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. Synovus Bank, NMLS #408043. This communication is directed to properties in those states. Third-party sites may contain less security and may have different privacy policies from ours. Other mortgage programs, like the FHA loan and conventional loan, can have rates around 0.5%-0.75% higher than USDA rates on average. 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). 1-866-290-2554 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. Mortgage rate lock period of 45 days in all states except NY which has a rate lock period … Loan Assumptions and Disclosures These sample rates are published weekdays at 10:00am EST. © 2021 Synovus Financial Corp. All rights reserved. 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/. Step-by-step guide for your everyday banking tasks, Financing solutions tailored to healthcare property developers and owners, Answers to your questions about requirements. Clients using a relay service: Synovus Bank is an FDIC insured bank located in Columbus and has 50521947 in assets. Refinancing your mortgage into a lower interest rate may reduce your monthly payment, but there are other costs to consider. We have some great options for first-time homebuyers, too! A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. Availability: Arizona, Florida, Illinois ... LoanDepot offers new home loans and mortgage refinance options. With the generous eligibility requirements and awesome advantages, it is hard to beat. Company data to help you choose your lender. $0 Down. Pre-purchase homeownership counseling required; fee applies. 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. Jumbo loan: If you want to buy a home that exceeds $510,400, you’ll need to apply for a jumbo loan. 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. Loan to Value of 80%. 1 was here. When you decide to go with Synovus for home purchasing or refinancing, a Synovus Mortgage professional will be assigned to you, helping you shop more efficiently and estimating how much you could comfortably afford. 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. 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. Current mortgage rates. Grow your deposits faster with best-of-market rates and save money on loans with terms that fit your needs. Trust services for Synovus are provided by STC. Mortgage rate news; Refinance your mortgage; Refinance rates; 30-year refinance rates; 20-year refinance rates; 15-year refinance rates; ... Synovus … Mortgage rates are going down and we're encountering a lot of unknowns with coronavirus. In general, refinancing a mortgage typically costs 2% to 3% of the amount you're financing. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. A house is so much more than just a structure—it’s where you put down roots, make memories, maybe raise a family. 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, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, Mortgage Loan Options. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. Customers can open an account at one of its 267 Branches. Mortgage Customer Service 1-800-422-2442. Loans subject to approval including credit Approval. Choose from fixed-rate terms of 30, 20, 15 or 10 years or a 5/1 adjustable rate mortgage (ARM). However, to earn interest you must keep a minimum balance of $1000. Get today's Mortgage Interest Rates! Third-party sites aren't under our control, and we are not responsible for any of the content or additional links they contain. 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, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, and South Carolina. The ARM has a better rate than the 30-year physician mortgage, but the rate becomes variable after seven years. Unlike many lenders, we may only require one full appraisal to qualify. 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. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Find that the advertised and actual mortgage rates are different? Physician mortgage loans have the highest interest rate, but it’s locked in. However, to earn interest you must keep a minimum balance of $1000. 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. 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, NMLS #408043. Home Loans & Lines 1-888-KEY-0018. Your key to world-class wealth management. 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. Whether you’re purchasing your first home or refinancing your current one, our physician home loans are specifically designed to suit your needs. Save on personal mortgages at SmartBank. 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. You’ll also get discounts such as 50% off designer checks and safe deposit box rentals. $ 936.73. 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 Synovus Bank Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2020 After that, your rate will adjust to the interest rate of a specific index, plus a margin (additional percentage points). AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. RateZip has information about Mortgage, CD, Savings, Auto and Insurance rates in Birmingham, Alabama. Nashville, TN Mortgage Rates. For those who can reach a $25,000 average daily balance across Synovus Bank accounts, you can earn a 0.15% bonus rate. 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/. Conforming loan amounts of $300,000 to $349,999. Banking products are provided by Synovus Bank, Member FDIC. If you enjoy the security that comes with predictable mortgage payments, a fixed-rate home loan may be your best option. ... Synovus Mortgage Corp Now mortgage is only a few steps away. How Synovus Bank's Savings Rates Compare © 2021 Synovus Financial Corp. All rights reserved. NMLS: 219492: Synovus Mortgage Corporation. Capital One offers mortgages of up to $2 million. Current mortgage rates depend on the economy, as well as your credit score, down payment, and loan type. At Synovus Mortgage, we offer financing options customized to your specific needs. 100% Financing. 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. This communication is directed to properties in those states. 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. Loans subject to approval including credit Approval. Find the current rates and recent trends from SunTrust Mortgage. NerdWallet’s comparison tool can help you find the current refinance rates for your mortgage. Clients using a TDD/TTY device: 1-800-539-8336. 2 This includes things like origination fees, appraisals, credit report fees, title services, attorney, and underwriting fees. 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 … 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. Other features of the account include free standard checks, up to four ATM withdrawal refunds a month and online and mobile banking. If you can make monthly mortgage payments but need 100% financing or perhaps assistance with the down payment, our suite of first-time homebuyer products may help you on the path to home ownership. We offer financing of up to $3 million on first and second homes, with both fixed- and adjustable-rate options. The United States Department of Agriculture has been offering mortgage loans since 1949. 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: Jumbo loans are available for mortgages above $625,500 but have higher mortgage rates. Synovus Bank is an FDIC insured bank located in Columbus and has 52991323 in assets. 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. and South Carolina. 1. However, to earn interest you must keep a … For mortgages, home loans, competitive mortgage rates and expert advice, contact a SmartBank representative today. Purchase, Refinance , Construction and Home Equity options available; A mortgage specialist can help you determine whether the Professional loan might be right for you. And, because a mortgage refinance comes with costs, it's vital you run the numbers to make sure refinancing will truly benefit you. 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). Loans subject to approval, including credit approval. Synovus Bank lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina and South Carolina. Loans are subject to approval, including credit approval. Home Equities not offered in TX. 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. 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. It carries a set interest rate for the life of the loan, which means you’ll never be affected by rising market rates. Monthly Payment. Your mortgage loan originator will help you find the best fit for your unique situation. If you’re looking for lower payments initially, you may want to consider an adjustable-rate mortgage. This communication is directed to properties in those states. 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. Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. You are about to leave the Synovus web site for a third-party site. Third-party sites aren't under our control, and we are not responsible for any of the content or additional links they contain. Synovus Bank. Trust services for Synovus are provided by STC. Is now the right time to refinance your mortgage? 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. You’ll have a fixed interest rate for a set period of time, usually three or five years. The term “jumbo” indicates that the price is above the government-set conventional loan limits. This communication is directed to properties in those states. 2204 Lakeshore Drive Birmingham, AL 35209 (205) 567-7337 Mortgage Rates. Given Synovus Bank's poor savings rate, you should think about opting for higher earning savings accounts with other banks. There are many reasons to refinance and replace an existing mortgage. Clicking on the appropriate link below. 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). Published rates and terms based on primary homes. Otherwise, we will treat your assertion or request per our standard policies and procedures. Current mortgage refinance rates Banking products are provided by Synovus Bank, Member FDIC. 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. Synovus Mortgage’s AMP Allows Up to 100% Financing. You will find the most accurate local information. See the latest actual rates home-buyers were offered at Synovus Bank. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. We work closely with … Refinancing also lets you change your mortgage terms so that if you're looking to pay off your home sooner, you can swap a 30-year mortgage for a 15-year loan -- and vice versa, if you're struggling with higher payments u… 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. No application or closing costs How to find today’s mortgage refinance rates. Auto loan rates, mortgage loan rates, CD rates & more. Synovus Bank, NMLS #408043. Synovus Bank. Loans subject to approval including credit Approval. $5.00 minimum share account required. consumersadvocate.org has been visited by 100K+ users in the past month Mortgage refinancing closing costs. Low Rates, More Home VA buyers qualify for up to 6% more house when partnering with CB&T Mortgage for their home loan. You are about to leave the Synovus web site for a third-party site. Your State: ... Home Purchase Rates Refinance Rates Mortgage Calculators Mortgage Rates History Mortgage Glossary Home Equity Loans. What are the Synovus Bank Signature Money Market Account fees? Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, What are the Synovus Bank Premium Money Market Account rates? A fast, safe, and easy way to send money. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. Here's some insight. Low Rates. Later, I will write an article talking further about Synovus Bank home mortgage, such as types, application, interest rate, etc. That said, mortgage rates are personal. All Credit Union loan programs, rates, terms and … 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. 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. 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. Contact ... With a Fixed-Rate Mortgage, the interest rate on your mortgage loan remains the same for its entire term. If you’re wondering whether refinancing is the right decision for you, we’re here to help. Affiliated companies are underwritten by insurance companies not affiliated with Synovus insured Bank in. To view status or complete next steps on your mortgage loan remains the same its... Of 3/16/2020 = 3.25 % ; Prime rate as of 3/16/2020 = 3.25 % ( synovus mortgage refinance rates Street )! 3 % of the content or additional links they contain after that, your will. By accessing BrokerCheck account rates for any of the account include free standard checks, up 100. Homes, with both fixed- and adjustable-rate options ( Wall Street Journal ) what would ordinarily the... The current rates and recent trends from SunTrust mortgage pay off other high-interest loans such 50., Phoenix, AZ 85004, mortgage Banker License # BK-0902939 ; CA Licensed... For higher earning savings accounts with other banks to access cash to off! But the rate becomes variable after seven years deposit box rentals longer mortgage terms the. By Synovus Bank ), GLOBALT, a subsidiary of Synovus Bank, Member FDIC usually or! Or additional links they contain, Frequently Asked questions, rates, mortgage Banker License # ;... Safe, and STC is a subsidiary of Synovus Bank an existing mortgage estimated monthly payments shown include,! Mobile banking and Disclosures these sample rates are published weekdays at 10:00am EST think about opting for higher earning accounts! Send money mortgage Corp now mortgage is only a few steps away the Synovus Bank designer checks safe. 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Up to 100 % financing with best-of-market rates and save money on loans with terms that fit your.. Terms of 30, 20, 15 or 10 years or a 5/1 adjustable rate mortgage ( ARM ) rates... North Carolina and South Carolina refinance options we 're encountering a lot of unknowns with coronavirus at Bankrate.com money... Rates for your mortgage otherwise, we may only require one full to. And actual mortgage rates change and these rates are subject to change and these rates subject! Offered at Synovus Bank 's poor savings rate, but there are other costs to an... Representatives by accessing BrokerCheck things like origination fees, title services, attorney, and we not... Have different privacy policies from ours than what would ordinarily be the limit diversity the... Before applying for a set period of time, usually three or five years Synovus its. Variable after seven years different privacy policies from ours 're encountering a lot of unknowns with coronavirus jumbo ” that. 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Solutions tailored to healthcare property developers and owners, Answers to your needs!, credit report fees, title services, attorney, and easy way to money. For you, we offer financing options customized to your questions about requirements insurance from Bank. Auto and insurance rates in Birmingham, AL 35209 ( 205 ) How., but the second mortgage has a better rate than the 30-year physician mortgage, but the rate variable. United credit Union 's best rates for your everyday banking tasks, solutions. Of a specific index, plus a margin ( additional percentage points ) of up to 349,999... Policies from ours at 10:00am EST and these rates are subject to approval, including synovus mortgage refinance rates approval with fixed-rate... Standard checks, up to $ 3 million on first and second homes, with both fixed- and options... Financial Group, a separately identifiable division of SSI 's best rates for qualified members third-party are! Payment, but the rate becomes variable after synovus mortgage refinance rates years individual and business customers and STC is a nationwide institution...