Adjustable-Rate Mortgage (ARM) Refinance at Bank of America

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data-tablet="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-module-refi-adjustable-med-crushed-CSX6e3020a4.jpg" data-desktop="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-module-refi-adjustable-large-crushed-CSXbefd71e6.jpg" alt="" role="presentation" class="engagement-image"/><div class="row engagement-area"><div class="column small-12 medium-7 large-8 engagement-home-loans"><div class="headlines"><h2 data-font="cnx-light">Refinancing to an adjustable-rate mortgage could mean your interest rate changes periodically</h2></div></div><div class="column medium-5 large-4 show-for-medium-up cta-contact contact-us-home-loans"><div class="inner-padding background-grey"><a class="spa-btn spa-btn--primary spa-btn--medium prequalify-now apply-or-prequalify" href="/apply-now-services/home-loans/initialize/v1/init?requesttype=DME&loanPurpose=refinance&subCampCode=" id="prequalify-now-medium">Get started</a><div class="line-break-container"><div> </div><div data-font="cnx-regular">or call us</div><div> </div></div><div class="default mlo-override cta"><div class="dropdown-image"><a style="background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-module-callus_icon-CSX4f42b5e5.svg)" class="call-us sc-phone-number cnx-bold" id="phone_number_engagement" href="javascript:void(0);">866.502.9005</a></div><div class="cta-hours">Mon-Fri 8 a.m. - 10 p.m. ET<br>Sat 8 a.m. - 6:30 p.m. ET</div></div><div class="contact-us-content"><p class="override-toggle cnx-regular"></p><div class="cnx-regular override-data"><div class="name">Talk to <span class="firstName"></span> <span class="lastName"></span></div><div class="nml">NMLS ID: <span class="nmlSID"></span></div></div></div></div><div id="_dropdown" style="display:block" class="dropdown inner-side-padding"><ul class="default mlo-override"><li class="dropdown-image" style="background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-contact-us-module-appointment_icon_gray-CSX53959d36.svg)"><p data-font="cnx-regular"><a href="/secure-mycommunications/public/appointments/?marketingCode=SHLM_ECBBA_A5000" id="schedule_an_appointment_engagment" rel="noopener noreferrer" target="_blank">Schedule an appointment</a></p></li></ul></div></div></div></section><nav id="navigationMasterContainer" class="navigation-home-loans"><section class="row"><ul id="listHomeLoans" class="nav-list-home-loans"></ul></section></nav></div></div><div id="large-tab-nav" data-component="module" data-module="home-loans-tab-nav-module" data-version="1.0.6" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/tab-nav-module" data-options='{"scope":"","showMobile":"","notSticky":""}' data-init="tabNavModule" data-module-parameters="{}" class="tab-nav-module-class-v-1-0-6 tab-nav-module spa-module-init"><style>.tab-nav-module .icon.chat{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-chat-CSXd86a8e67.svg)}.tab-nav-module .icon.call{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-call-CSX1ae7c116.svg);margin-top:10px}.tab-nav-module .icon.online-banking{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-schedule-CSX6ee55764.svg)}.tab-nav-module .icon.headset{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-callback-CSX6029b586.svg)}.tab-nav-module .icon.get-an-estimate{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-core_icon_paper_rgb_red-CSX46635388.svg);background-size:30px 25px}</style><div class="spa-sticky is-en tab-nav-module tabs cta-contact" data-sticky-level="2"><div class="inner-sticky-actual"><div class="row collapse cnx-regular"><div class="small-12 column relative"><nav class="show-for-medium-up left-side" data-magellan-expedition="true"><ul class="nl-tabs-nav-module"><li><a id="overviewTabNav" tabindex="0" data-magellan-arrival="#overview" href="#overview">Overview</a></li><li><a id="rateTabNav" tabindex="0" data-magellan-arrival="#rates" href="#rates">Rates</a></li><li><a id="learningTabNav" tabindex="0" data-magellan-arrival="#learning" href="#learning">Learning</a></li></ul></nav><div class="right-side cta inline-item float-right"><div class="prequalify-button inline-item"><div class="note"></div><a id="prequalifyTabNav" tabindex="-1" class="spa-btn spa-btn--primary spa-btn--small apply-or-prequalify" href="/apply-now-services/home-loans/initialize/v1/init?requesttype=DME&loanPurpose=refinance&subCampCode=">Get started</a><div class="icon call inline-item"><a class="sc-phone-number call-us" tabindex="-1" href="javascript:void(1);" id="callUsTabNav">866.502.9005</a></div></div><div class="dropdown-control inline-item" tabindex="-1"><a id="dropdownToggleTabNav" class="show-for-medium-up" tabindex="-1" href="javascript:void(0)">Other ways to contact us</a> <a id="dropdownToggleTabNavSmall" class="show-for-small-only" tabindex="-1" href="javascript:void(0)">More</a><div class="divot"></div></div><div class="dropdown-actual"><ul class="mlo-override"><li><div class="name"><span class="firstName"></span> <span class="lastName"></span></div><div class="nml">NMLS ID: <span class="nmlSID"></span></div></li></ul><ul class="default" tabindex="-1"><li class="icon online-banking"><a id="scheduleAnAppointmentTabNav" class="tab-nav-schedule-meeting-link" target="_blank" rel="noopener noreferrer" tabindex="-1" aria-hidden="true" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=SHLM_ECBBA_A5000">Schedule an appointment</a></li><li class="icon call hidden call-mlo"><a id="callUsTabNav2" class="" tabindex="-1" aria-hidden="true" href="tel:866.502.9005">866.502.9005</a></li></ul></div></div></div></div></div></div></div></div></div></section><section class="small-centered"><div class="row small-collapse"><div class="column"><div id="spinnerModule" data-component="module" data-module="home-loans-spinner-module" data-version="1.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/spinner-module" data-options="{}" data-init="spinnerModule" data-module-parameters="{}" class="spinner-module-class-v-1-0-1 spinner-module spa-module-init"><div><section class="loader"><div class="loading-blocker"></div></section><section class="row"><div class="column small-centered small-4"><p class="default">Please wait a moment while we retrieve our low rates</p><p class="rates-update hide"></p></div></section></div></div><div id="lazyLoadModule" data-component="module" data-module="home-loans-lazy-load-module" data-version="1.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/lazy-load-module" data-options="{}" data-init="lazyLoadModuleJS" data-module-parameters='{"immediate":true}' class="lazy-load-module-class-v-1-0-1 lazy-load-module spa-module-init"><span class="fire-lazy-load"></span></div><div id="overview" data-component="module" data-module="home-loans-one-column-content-module" data-version="2.0.5" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/one-column-content-module" data-options="{}" data-init="oneColumnContentModule" data-module-parameters='{"scope":"products-mortgage"}' class="one-column-content-module-class-v-2-0-5 one-column-content-module spa-module-init"><section class="main row products-mortgage wrapper-one-column-content"><section class="heading"><div class="row"><div class="small-12 column"><h3 class="large">Monthly payments that may change periodically</h3></div></div></section><section class="details"><div class="row paragraphs"><div class="small-12 column"><p class="">Refinancing to an adjustable-rate mortgage (ARM) typically provides a lower interest rate for an initial payment period, making the initial monthly payments less than what a fixed-rate mortgage refinance usually offers. However, your interest rate may change periodically depending on changes in a <a href="/mortgage/faqs/#mortgage-refinance/#home-loan-interest-rates__financial-index" id="corresponding-financial-index">corresponding financial index</a> that's associated with the loan. Generally speaking, your monthly payment will increase or decrease if the index rate goes up or down.</p><p class="">ARM loans are usually named by the length of time the interest rate remains fixed and how often the interest rate is subject to adjustment thereafter. For example, in a 5y/6m ARM, the 5y stands for an initial 5-year period during which the interest rate remains fixed while the 6m shows that the interest rate is subject to adjustment once every six months thereafter.</p></div></div></section></section></div><div id="one-column-content-module-two" data-component="module" data-module="home-loans-one-column-content-module" data-version="2.0.5" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/one-column-content-module" data-options="{}" data-init="oneColumnContentModule" data-module-parameters='{"scope":"products-mortgage"}' class="one-column-content-module-class-v-2-0-5 one-column-content-module spa-module-init"><section class="main row products-mortgage wrapper-one-column-content"><section class="heading"><div class="row"><div class="small-12 column"><h3 class="small">Refinancing to an adjustable-rate mortgage is a good choice if you:</h3></div></div></section><section class="details"><div class="row bullets"><div class="small-12 column"><ul><li class="img"><div class="mastercont"><div class="cont1"><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-one-column-content-module-core_icon_checkmark1_rgb_red-CSX2402fac1.svg" aria-hidden="true"/></div><div class="cont2"><span>Plan to move before the end of the introductory fixed-rate period, so you aren't concerned about possible rate increases</span></div></div></li><li class="img"><div class="mastercont"><div class="cont1"><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-one-column-content-module-core_icon_checkmark1_rgb_red-CSX2402fac1.svg" aria-hidden="true"/></div><div class="cont2"><span>Want an initial monthly payment lower than a fixed-rate mortgage usually offers</span></div></div></li><li class="img"><div class="mastercont"><div class="cont1"><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-one-column-content-module-core_icon_checkmark1_rgb_red-CSX2402fac1.svg" aria-hidden="true"/></div><div class="cont2"><span>Think interest rates may go down in the future</span></div></div></li></ul></div></div></section></section></div><div id="rates" data-component="module" data-module="home-loans-one-column-content-module" data-version="2.0.5" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/one-column-content-module" data-options="{}" data-init="oneColumnContentModule" data-module-parameters='{"scope":"products-mortgage"}' class="one-column-content-module-class-v-2-0-5 one-column-content-module spa-module-init"><section class="main row products-mortgage wrapper-one-column-content"><section class="heading"><div class="row"><div class="small-12 column"><h3 class="red secondary">Today's competitive rates<sup><a href="javascript:void(0);" id="homeRefinanceDisclosures" class="disclosures-dagger"><span aria-label="Disclosures"><span aria-hidden="true">&dagger;</span></span></a></sup> for adjustable-rate refinance loans</h3></div></div></section></section></div><div id="ratesTableModule" data-component="module" data-module="home-loans-rates-table-module" data-version="3.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/rates-table-module" data-options="{}" data-init="ratesTableModule" data-module-parameters='{"color":"blue"}' class="rates-table-module-class-v-3-0-1 rates-table-module spa-module-init"><style>[data-sparta-container] .spa-input.spa-input--sparta2 .spa-input-error-message.soft-error{color:$color-brand-primary;background:url("https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-rates-table-module-info_icon-CSXc7286e33.png") no-repeat left top!important;background-size:20px 20px!important;margin:.625rem 0!important;padding:0 0 0 1.625rem!important;border-color:green!important;color:green!important}</style><div class="is-en"><div class="row show-for-medium-up ratesTableHomeLoansModule rates-table" class="main"><section class="refinance wrapper-rates-table" data-route="refinance" data-finance-type="2"><div class="row"><div class="medium-12 column"><section class="medium-calculator"><div class="row medium-container1"><div class="medium-12 medium-centered column"><p>Rates based on a <strong class="partial-price">$200,000</strong> loan in ZIP code <strong class="partial-zip">95464</strong></p></div></div><div class="row medium-container2 hide-calc"><form id="form-medium-inputs" class="row" novalidate><div class="medium-4 large-3 column"><div class="spa-input spa-input-box spa-input--sparta2 has-help"><label class="spa-input-label" for="home-value-input-medium">Home value<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"><span class="spa-input-text-currency-ada">Enter $ amount.</span></span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="home-value-input-medium_errorMessage home-value-input-medium-hint-text" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="" data-default-pattern="" data-sparta-input-format="currency" novalidate="true" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"alias":"currency","prefix":"","allowMinus":true,"rightAlign":false,"digitsOptional":true,"digits":2}' class="spa-input-text" value="250000" data-gis-mask="false" id="home-value-input-medium" name="home-value-input-medium" data-mask="dollars" data-mask-options='{"digits":0,"clearMaskOnLostFocus":false,"allowPlus":false,"allowMinus":false}' data-validation-rules='{"change":{"currency":{"parameters":[]},"valueRange":{"parameters":[60000,2500000],"errorMessage":"Enter a home value between $60,000 and $2.5 million."},"custom":[]}}' required aria-required="true" data-required-error-message="Enter a home value." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-home-value-input-medium" aria-label="Home value" type="button"> </button></span><p id="home-value-input-medium-hint-text" class="spa-input-hint"><a href="https://homevaluerealestatecenter.bankofamerica.com/" id="estimate-home-value" rel="noopener noreferrer" target="_blank">Estimate your home value</a></p><div class="input-help" id="helpLayer_home-value-input-medium" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-home-value-input-medium" aria-label="Home value" type="button"> </button><div class="head">Home value</div><div class="body">An estimate for how much your house is worth.</div></div><div class="spa-input-error-message spa-icon--error" id="home-value-input-medium_errorMessage" aria-hidden="true"></div></div></div><div class="medium-4 large-3 column"><div class="spa-input spa-input-box spa-input--sparta2 has-help"><label class="spa-input-label" for="loan-amount-input-medium">Current loan balance<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"><span class="spa-input-text-currency-ada">Enter $ amount.</span></span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="loan-amount-input-medium_errorMessage loan-amount-input-medium-hint-text" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="" data-default-pattern="" data-sparta-input-format="currency" novalidate="true" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"alias":"currency","prefix":"","allowMinus":true,"rightAlign":false,"digitsOptional":true,"digits":2}' class="spa-input-text" value="200000" data-gis-mask="false" id="loan-amount-input-medium" name="loan-amount-input-medium" data-mask="dollars" data-mask-options='{"digits":0,"clearMaskOnLostFocus":false,"allowPlus":false,"allowMinus":false}' data-validation-rules='{"change":{"currency":{"parameters":[]},"custom":[{"fn":"withinRange","parameters":[60000,2000000],"errorMessage":"Enter a current loan balance between $60,000 and $2 million."},{"fn":"withinPercentageRangeOf","soft":true,"parameters":["#home-value-input-medium",0,80],"errorMessage":"Private mortgage insurance may be required for loans more than 80% of the home value."}]}}' required aria-required="true" data-required-error-message="Enter a current loan balance." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-loan-amount-input-medium" aria-label="Current loan balance" type="button"> </button></span><p id="loan-amount-input-medium-hint-text" class="spa-input-hint">Balance left on your mortgage</p><div class="input-help" id="helpLayer_loan-amount-input-medium" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-loan-amount-input-medium" aria-label="Current loan balance" type="button"> </button><div class="head">Current loan balance</div><div class="body">How much balance is left on your mortgage.</div></div><div class="spa-input-error-message spa-icon--error" id="loan-amount-input-medium_errorMessage" aria-hidden="true"></div></div></div><div class="medium-4 large-3 column"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zip-code-input-medium">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden">Input zip code</span></label><input type="text" aria-describedby="zip-code-input-medium_errorMessage zip-code-input-medium-hint-text" pattern="^\d{5}$" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="postal-code" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" value="95464" data-gis-mask="false" id="zip-code-input-medium" name="zip-code-input-medium" data-validation-rules='{"change":{"zip":{"parameters":[],"errorMessage":"Enter a valid 5-digit ZIP code"}}}' required aria-required="true" data-required-error-message="Enter a valid 5-digit ZIP code"/><p id="zip-code-input-medium-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zip-code-input-medium_errorMessage" aria-hidden="true"></div></div></div><div class="medium-12 large-3 column medium-buttons-links"><div><a class="spa-btn spa-btn--primary spa-btn--expand-on-small spa-btn--medium" role="button" href="javascript:void(0);" id="update-button-medium">Update rates<span class="ada-hidden"></span><span class="spin"></span></a> <a href="javascript:void(0);" id="cancel-mortgage-rates-medium">Cancel</a></div></div></form></div></section><div class="table"><span class="ada-hidden">Mortgage Rates Table</span><div class="row"><div class="medium-3 column"><div class="container"><div><p> </p></div></div></div><div class="medium-2 column"><div class="container"><div scope="col" id="rate"><p class="cnx-regular"><a href="javascript:void(0);" id="rate-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="rate-tooltip-content" data-options='{"rel":"rate-tooltip-content"}'>Rate<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="medium-2 column"><div class="container"><div scope="col" id="APR"><p class="cnx-regular"><a href="javascript:void(0);" id="apr-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="apr-tooltip-content" data-options='{"rel":"apr-tooltip-content"}'>APR<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="medium-2 column"><div class="container"><div scope="col" id="points"><p class="cnx-regular"><a href="javascript:void(0);" id="points-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="points-tooltip-content" data-options='{"rel":"points-tooltip-content"}'>Points<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="medium-3 column"><div class="container"><div scope="col" id="monthlyPayment"><p class="cnx-regular"><a href="javascript:void(0);" id="monthly-payments-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="monthly-payments-tooltip-content" data-options='{"rel":"monthly-payments-tooltip-content"}'>Monthly payment<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div></div><div class="row grayscaletrue" data-product-code="1700" data-product-name="ARM Fixed First 10 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="medium-3 column"><div class="container"><div><div scope="row" id="10y6mVariable"><p class="cnx-regular">10y/6m <a href="javascript:void(0);" id="ten_arm-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div></div><div class="medium-2 column"><div class="container"><div header="10y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">Rate</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="10y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">APR</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="10y6mVariable points"><p class="partial-points"><span class="ada-hidden">Points</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="medium-3 column"><div class="container"><div header="10y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">Monthly Payment</span> <span class="update-partial">$XXXX</span></p><p class="custom-link cnx-regular"><a href="/mortgage/assumptions-home-loan/" id="moreMediumTenToOne" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1700"}' target="_blank">About ARM rates</a></p></div></div></div></div><div class="row grayscalefalse" data-product-code="1699" data-product-name="ARM Fixed First 7 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="medium-3 column"><div class="container"><div><div scope="row" id="7y6mVariable"><p class="cnx-regular">7y/6m <a href="javascript:void(0);" id="seven_arm-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div></div><div class="medium-2 column"><div class="container"><div header="7y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">Rate</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="7y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">APR</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="7y6mVariable points"><p class="partial-points"><span class="ada-hidden">Points</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="medium-3 column"><div class="container"><div header="7y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">Monthly Payment</span> <span class="update-partial">$XXXX</span></p><p class="custom-link cnx-regular"><a href="/mortgage/assumptions-home-loan/" id="moreMediumSevenToOne" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1699"}' target="_blank">About ARM rates</a></p></div></div></div></div><div class="row grayscaletrue" data-product-code="1698" data-product-name="ARM Fixed First 5 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="medium-3 column"><div class="container"><div><div scope="row" id="5y6mVariable"><p class="cnx-regular">5y/6m <a href="javascript:void(0);" id="five_arm-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div></div><div class="medium-2 column"><div class="container"><div header="5y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">Rate</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="5y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">APR</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="5y6mVariable points"><p class="partial-points"><span class="ada-hidden">Points</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="medium-3 column"><div class="container"><div header="5y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">Monthly Payment</span> <span class="update-partial">$XXXX</span></p><p class="custom-link cnx-regular"><a href="/mortgage/assumptions-home-loan/" id="more-medium" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1698"}' target="_blank">About ARM rates</a></p></div></div></div></div></div><footer><div class="paras"><p>Refinance rates valid as of <span class="date-time">date/time</span> and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). Select the <strong>About ARM rates</strong> link for important information, including estimated payments and rate adjustments.</p></div><p class="link"><a href="/mortgage/assumptions-home-loan/" id="loan-assumptions-disclosures-medium" class="loan-assumptions-disclosures" rel="noopener noreferrer" target="_blank">Loan assumptions and disclosures</a></p></footer></div></div></section></div><div class="row show-for-small-only ratesTableModule rates-table" class="main"><section class="refinance wrapper-rates-table" data-route="refinance"><div class="row"><div class="small-12 column"><section class="small-calculator"><div class="row small-container1"><div class="small-12 column"><p>Rates based on a <strong class="partial-price">$200,000</strong> loan in ZIP code <strong class="partial-zip">95464</strong></p></div></div><div class="row small-container2 hide-calc"><form id="form-small-inputs" class="row"><div class="small-12 column"><div class="spa-input spa-input-box spa-input--sparta2 has-help"><label class="spa-input-label" for="home-value-input-small">Home value<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"><span class="spa-input-text-currency-ada">Enter $ amount.</span></span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="home-value-input-small_errorMessage home-value-input-small-hint-text" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="" data-default-pattern="" data-sparta-input-format="currency" novalidate="true" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"alias":"currency","prefix":"","allowMinus":true,"rightAlign":false,"digitsOptional":true,"digits":2}' class="spa-input-text" value="250000" data-gis-mask="false" id="home-value-input-small" name="home-value-input-small" data-mask="dollars" data-mask-options='{"digits":0,"clearMaskOnLostFocus":false,"allowPlus":false,"allowMinus":false}' data-validation-rules='{"change":{"currency":{"parameters":[]},"valueRange":{"parameters":[60000,2500000],"errorMessage":"Enter a home value between $60,000 and $2.5 million."},"custom":[]}}' required aria-required="true" data-required-error-message="Enter a home value." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-home-value-input-small" aria-label="Home value" type="button"> </button></span><p id="home-value-input-small-hint-text" class="spa-input-hint"><a href="https://homevaluerealestatecenter.bankofamerica.com/" id="estimate-home-value" rel="noopener noreferrer" target="_blank">Estimate your home value</a></p><div class="input-help" id="helpLayer_home-value-input-small" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-home-value-input-small" aria-label="Home value" type="button"> </button><div class="head">Home value</div><div class="body">An estimate for how much your house is worth.</div></div><div class="spa-input-error-message spa-icon--error" id="home-value-input-small_errorMessage" aria-hidden="true"></div></div></div><div class="small-12 column"><div class="spa-input spa-input-box spa-input--sparta2 has-help"><label class="spa-input-label" for="loan-amount-input-small">Current loan balance<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"><span class="spa-input-text-currency-ada">Enter $ amount.</span></span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="loan-amount-input-small_errorMessage loan-amount-input-small-hint-text" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="" data-default-pattern="" data-sparta-input-format="currency" novalidate="true" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"alias":"currency","prefix":"","allowMinus":true,"rightAlign":false,"digitsOptional":true,"digits":2}' class="spa-input-text" value="200000" data-gis-mask="false" id="loan-amount-input-small" name="loan-amount-input-small" data-mask="dollars" data-mask-options='{"digits":0,"clearMaskOnLostFocus":false,"allowPlus":false,"allowMinus":false}' data-validation-rules='{"change":{"currency":{"parameters":[]},"custom":[{"fn":"withinRange","parameters":[60000,2000000],"errorMessage":"Enter a current loan balance between $60,000 and $2 million."},{"fn":"withinPercentageRangeOf","soft":true,"parameters":["#home-value-input-small",0,80],"errorMessage":"Private mortgage insurance may be required for loans more than 80% of the home value."}]}}' required aria-required="true" data-required-error-message="Enter a current loan balance." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-loan-amount-input-small" aria-label="Current loan balance" type="button"> </button></span><p id="loan-amount-input-small-hint-text" class="spa-input-hint">Balance left on your mortgage</p><div class="input-help" id="helpLayer_loan-amount-input-small" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-loan-amount-input-small" aria-label="Current loan balance" type="button"> </button><div class="head">Current loan balance</div><div class="body">How much balance is left on your mortgage.</div></div><div class="spa-input-error-message spa-icon--error" id="loan-amount-input-small_errorMessage" aria-hidden="true"></div></div></div><div class="small-12 column"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zip-code-input-small">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden">Input zip code</span></label><input type="text" aria-describedby="zip-code-input-small_errorMessage zip-code-input-small-hint-text" pattern="^\d{5}$" data-mobile-input-type="text" data-default-input-type="text" data-android-input-type="text" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="postal-code" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" value="95464" data-gis-mask="false" id="zip-code-input-small" name="zip-code-input-small" data-validation-rules='{"change":{"zip":{"parameters":[],"errorMessage":"Enter a valid 5-digit ZIP code"}}}' required aria-required="true" data-required-error-message="Enter a valid 5-digit ZIP code"/><p id="zip-code-input-small-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zip-code-input-small_errorMessage" aria-hidden="true"></div></div></div><div class="small-12 column small-buttons"><div class="column"><a class="spa-btn spa-btn--primary spa-btn--expand-on-small spa-btn--small" href="javascript:void(0);" id="update-button-small">Update rates<span class="ada-hidden"></span><span class="spin"></span></a></div></div><div class="small-12 column small-link"><a href="javascript:void(0);" id="cancel-mortgage-rates-small">Cancel</a></div></form></div></section><div class="table small-regular-layout"><span class="ada-hidden">Mortgage Rates Table</span><div class="row headings"><div class="small-3 column"><div class="container"><p> </p></div></div><div class="small-3 column" data-product-code="1700" data-product-name="ARM Fixed First 10 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="container"><div scope="col" id="10y6mVariable"><p class="cnx-regular">10y/6m <a href="javascript:void(0);" id="ten_rm-tooltip-small" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div><div class="small-3 column" data-product-code="1699" data-product-name="ARM Fixed First 7 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="container"><div scope="col" id="7y6mVariable"><p class="cnx-regular">7y/6m <a href="javascript:void(0);" id="seven_rm-tooltip-small" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div><div class="small-3 column" data-product-code="1698" data-product-name="ARM Fixed First 5 Years, Then Adjusts Every 6 Months" data-product-sub-code="360" data-arm="true"><div class="container"><div scope="col" id="5y6mVariable"><p class="cnx-regular">5y/6m <a href="javascript:void(0);" id="five_rm-tooltip-small" class="spa-ui-layer-link spa-fn" rel="arm-tooltip-content" data-options='{"rel":"arm-tooltip-content"}'>ARM<span class="spa-ada-text ada-hidden"> popup</span></a> variable</p></div></div></div></div><div class="row grayscalefalse"><div class="small-3 column"><div class="container"><div scope="row" id="rate"><p class="cnx-regular"><a href="javascript:void(0);" id="rate-tooltip-small" class="spa-ui-layer-link spa-fn" rel="rate-tooltip-content" data-options='{"rel":"rate-tooltip-content"}'>Rate<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="10y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">10y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="7y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">7y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="5y6mVariable rate"><p class="partial-rate"><span class="ada-hidden">5y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div></div><div class="row grayscaletrue"><div class="small-3 column"><div class="container"><div scope="row" id="APR"><p class="cnx-regular"><a href="javascript:void(0);" id="apr-tooltip-small" class="spa-ui-layer-link spa-fn" rel="apr-tooltip-content" data-options='{"rel":"apr-tooltip-content"}'>APR<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="10y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">10y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="7y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">7y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="5y6mVariable APR"><p class="partial-apr"><span class="ada-hidden">5y/6m ARM Variable</span> <span class="update-partial">X.XXX%</span></p></div></div></div></div><div class="row grayscalefalse"><div class="small-3 column"><div class="container"><div scope="row" id="points"><p class="cnx-regular"><a href="javascript:void(0);" id="points-tooltip-small" class="spa-ui-layer-link spa-fn" rel="points-tooltip-content" data-options='{"rel":"points-tooltip-content"}'>Points<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="10y6mVariable points"><p class="partial-points"><span class="ada-hidden">10y/6m ARM Variable</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="7y6mVariable points"><p class="partial-points"><span class="ada-hidden">7y/6m ARM Variable</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="5y6mVariable points"><p class="partial-points"><span class="ada-hidden">5y/6m ARM Variable</span> <span class="update-partial">X.XXX</span></p></div></div></div></div><div class="row grayscaletrue"><div class="small-3 column"><div class="container"><div scope="row" id="monthlyPayment"><p class="cnx-regular"><a href="javascript:void(0);" id="monthly-payments-tooltip-small" class="spa-ui-layer-link spa-fn" rel="monthly-payments-tooltip-content" data-options='{"rel":"monthly-payments-tooltip-content"}'>Monthly payment<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="10y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">10y/6m ARM Variable</span> <span class="update-partial">$XXXX</span></p><p class="custom-link"><a href="/mortgage/assumptions-home-loan/" id="moreSmallTenToOne" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1700"}' target="_blank">About ARM rates</a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="7y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">7y/6m ARM Variable</span> <span class="update-partial">$XXXX</span></p><p class="custom-link"><a href="/mortgage/assumptions-home-loan/" id="moreSmallSevenToOne" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1699"}' target="_blank">About ARM rates</a></p></div></div></div><div class="small-3 column"><div class="container"><div headers="5y6mVariable monthlyPayment"><p class="partial-payment"><span class="ada-hidden">5y/6m ARM Variable</span> <span class="update-partial">$XXXX</span></p><p class="custom-link"><a href="/mortgage/assumptions-home-loan/" id="more-small" class="loan-assumptions-disclosures" rel="noopener noreferrer" data-options='{"productCode":"1698"}' target="_blank">About ARM rates</a></p></div></div></div></div></div><footer><div class="paras"><p>Refinance rates valid as of <span class="date-time">date/time</span> and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). Select the <strong>About ARM rates</strong> link for important information, including estimated payments and rate adjustments.</p></div><p class="link"><a href="/mortgage/assumptions-home-loan/" id="loan-assumptions-disclosures-small" class="loan-assumptions-disclosures" rel="noopener noreferrer" target="_blank">Loan assumptions and disclosures</a></p></footer></div></div></section><div id="rate-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="rate-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Rate</h3><div class="content"><p>The rate of interest on a loan, expressed as a percentage.</p></div></div><div id="apr-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="apr-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Annual percentage rate (APR)</h3><div class="content"><p>The annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, points and loan origination fees) to reflect the total cost of the loan.</p></div></div><div id="points-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="points-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Points</h3><div class="content"><p>An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points. One point equals one percent of the loan amount (for example, 2 points on a $100,000 mortgage would equal $2,000).</p></div></div><div id="monthly-payments-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="monthly-payments-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly Payment (estimated)</h3><div class="content"><p>The estimated monthly payment includes principal, interest and any required mortgage insurance (for borrowers with less than a 20% down payment). The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment. If you have an adjustable-rate loan, your monthly payment may change once every six months (after the initial period) based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index, published daily by the New York Fed. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.</p></div></div><div id="fixed-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="fixed-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Fixed-rate mortgage</h3><div class="content"><p>A home loan with an interest rate that remains the same for the entire term of the loan.</p></div></div><div id="arm-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="arm-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">Adjustable-rate mortgage (ARM)</h3><div class="content"><p>Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.S. Treasury-Index (T-Bill) or the Secured Overnight Financing Rate (SOFR) published daily by the New York Fed. Bank of America ARMs generally use SOFR as the basis for ARM interest rate adjustments. Note: Bank of America is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by Bank of America.</p><br><p>Your monthly payment may fluctuate as the result of any interest rate changes, and a lender may charge a lower interest rate for an initial portion of the loan term. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period (the time between interest rate recalculations) and the life of the loan.</p></div></div></div></div></div><div id="ratesTableFallbackModule" data-component="module" data-module="home-loans-rates-table-fallback-module" data-version="1.0.3" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/rates-table-fallback-module" data-options="{}" data-init="ratesTableFallbackModule" data-module-parameters="{}" class="ratesTableFallbackModule-class-v-1-0-3 ratesTableFallbackModule spa-module-init"><section class="rates-table-fallback-module"><section class="row"><div class="heading row"><div class="small-12 column"><div><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-rates-table-fallback-module-info_icon-CSXc7286e33.png" alt="" aria-hidden="true"/><p><strong>We need additional information</strong></p></div><div><p>In order to provide you with the best possible rate estimate, we need some additional information. Please contact us in order to discuss the specifics of your mortgage needs with one of our home loan specialists.</p></div><div><p>We offer a wide range of loan options beyond the scope of this calculator, which is designed to provide results for the most popular loan scenarios. <strong>If you have flexible options, try lowering your purchase price, changing your down payment amount or entering a different ZIP code.</strong></p></div></div></div><div class="buttons row"><div class="container small-12 small-centered column"><div class="show-for-small-only flex-centered"><div><p class="number call-us">866.466.0979</p></div><a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=SHLM_ECBBA_A5000" id="schedule_an_appointment" class="button spa-btn spa-btn--primary spa-btn--medium spa-btn--expand-on-small" rel="noopener noreferrer" target="_blank">Schedule an appointment</a></div><div class="show-for-medium-up flex-centered"><div><p class="number call-us">866.466.0979</p></div><a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=SHLM_ECBBA_A5000" id="schedule_an_appointment" class="button spa-btn spa-btn--primary spa-btn--medium spa-btn--expand-on-small" rel="noopener noreferrer" target="_blank">Schedule an appointment</a></div></div></div></section></section></div><div id="disclosuresToggleModule" data-component="module" data-module="home-loans-disclosures-toggle-module" data-version="2.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/disclosures-toggle-module" data-options="{}" data-init="disclosuresToggleModule" data-module-parameters="{}" class="disclosures-toggle-module-class-v-2-0-1 disclosures-toggle-module spa-module-init"><div class="disclosures-container-shared-home-loans"><span class="row disclosures-toggle-shared-home-loans"><div class="small-12 column"><a class="disclosures-toggle" id="disclosuresToggle" href="javascript:void(0);"><img class="disclosures-toggle-image-shared-home-loans rotate-up" src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-Carat-CSX3a28f3d9.svg" alt=""/><span><span aria-hidden="true">&dagger;</span> Important rate and payment information</span></a></div></span><div class="row disclosures-copy-shared-home-loans" style="display:none"><div class="small-12 medium-12 column">Chart data is for illustrative purposes only and is subject to change without notice. Advertised rate, points and APR are based on a set of loan assumptions (refer <a href="/mortgage/assumptions-home-loan/" id="loanDisclosures" class="loan-assumptions-links">Loan assumptions and disclosures</a> above for important information). Your actual rate and APR may differ from chart data. Chart accuracy is not guaranteed and products may not be available for your situation. Monthly payments shown include principal and interest only, and (if applicable), any required mortgage insurance. Any other fees such as property tax and homeowners insurance are not included and will result in a higher actual monthly payment. Advertised loans assume escrow accounts (monthly collection of subject property taxes and any applicable homeowners insurance with your monthly principal and interest payment) unless you request otherwise and the loan program and applicable law allows. Should you choose to waive escrows, your rate, costs and/or APR may increase. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). Select the <a href="/mortgage/assumptions-home-loan/" id="armRates" class="loan-assumptions-links">About ARM rates</a> link for important information, including estimated payments and rate adjustments.</div></div></div></div><div id="toggleProductsModule" data-component="module" data-module="home-loans-toggle-products-module" data-version="3.0.0" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/toggle-products-module" data-options="{}" data-init="toggleProductsModule" data-module-parameters="{}" class="toggleProductsModule-class-v-3-0-0 toggleProductsModule spa-module-init"><section class="wrapper-toggle-product-home-loans" data-route="mortgage"><section class="row"><div class="column small-12"><p class="toggle-product-header-home-loans">Other types of refinance loans</p></div></section><section class="row"><div class="row"><div class="column medium-6 small-12"><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong><a href="/mortgage/fixed-rate-refinance-loans/" id="fixed-rate-refinance-loans">Fixed-rate refinance loans</a></strong></p><ul class="toggle-product-list-home-loans"><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Your interest rate remains the same for the entire loan term</p></li><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Your monthly payment of principal and interest does not change during the loan term</p></li></ul></div></div><div class="column medium-6 small-12"><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong><a href="/mortgage/fha-va-refinance/" id="fha-and-va-refinance-loans" rel="noopener noreferrer" target="_blank">FHA & VA refinance loans</a></strong></p><ul class="toggle-product-list-home-loans"><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Government loans from the Federal Housing Administration<sup> <a class="spa-footnote-link" id="ftn_disclosures.manifests.salesonb.home-loans.footnotes.monthly-mip1.html_link1" data-content-key="disclosures.manifests.salesonb.home-loans" data-content-record-key="footnotes.monthly-mip1.html" data-footnote="disclosures.manifests.salesonb.home-loans.footnotes.monthly-mip1.html" href="#ftn_disclosures.manifests.salesonb.home-loans.footnotes.monthly-mip1.html_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span> </span></a></sup>and the U.S. Department of Veterans Affairs<sup> <a class="spa-footnote-link" id="ftn_ftn_ref_about_VA_link2" data-footnote-content="VA funding fee applies except as may be exempted by VA guidelines. Loan-to-value and cash-out restrictions apply. Ask for details about eligibility, documentation and other requirements. Bank of America offers VA refinance loans to existing Bank of America home loan clients only. " data-footnote="ftn_ref_about_VA" href="#ftn_ftn_ref_about_VA_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">More flexible qualification guidelines than conventional loans</p></li></ul></div></div></div></section></section></div><div id="learning" data-component="module" data-module="home-loans-interactive-module" data-version="2.0.0" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/interactive-module" data-options="{}" data-init="interactiveModule" data-module-parameters='{"margin":""}' class="interactive-module-class-v-2-0-0 interactive-module spa-module-init"><section class="wrapper-interactive-home-loans"><div class="row"><div class="small-12 column"><div class="row collapse" data-equalizer><div class="small-12 medium-6 column" data-equalizer-watch><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-interactive-module-Calculator_Icon-CSXf1c65099.svg" alt="calculator-icon" aria-hidden="true"/><p class="interactive-header">Resources and tools</p><div class="a-tag-city-state"><p><a href="/mortgage/refinance-calculator/" id="refinance-calculator">Refinance calculator</a></p><p><a href="/mortgage/refinance-rates/" id="todays-refi-rates">Today's refinance rates</a></p></div></div><div class="small-12 medium-6 column" data-equalizer-watch><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-interactive-module-Find_A_Home_Icon-CSX56df340b.svg" alt="find-a-home-icon" aria-hidden="true"/><p class="interactive-header">See how much your home is worth</p><div class="a-tag-city-state"><p>Based on public record data and other factors</p><p><a href="https://homevaluerealestatecenter.bankofamerica.com/" id="estimate-value" rel="noopener noreferrer" target="_blank">Estimate your home's value</a></p></div></div></div></div></div></section></div><div id="topFaqModule" data-component="module" data-module="home-loans-top-faq-module" data-version="1.0.7" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/top-faq-module" data-options="{}" data-init="topFaqModule" data-module-parameters='{"scope":"products-fixed-rate-mortgage"}' class="top-faq-module-class-v-1-0-7 top-faq-module spa-module-init"><style>.image.faq-text{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-icon_paper_rgb_blue-CSX477f8459.svg)}.image.question-bubble{background-image:url(https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-icon_question_rgb_blue-CSX7bf4c53.svg)}</style><div class="flex-container"><div class="flex-item-1"></div><div class="flex-item-3 left"><h3 class="image question-bubble">Top refinance FAQs</h3><ul><li><a href="/mortgage/faqs/#mortgage-refinance/#home-loan-interest-rates__financial-index" id="faq-link-one" rel="noopener noreferrer" target="_blank">Which financial index does Bank of America use to determine adjustable rates?</a></li><li><a href="/mortgage/faqs/#mortgage-refinance/#purchase-or-refi__extra-money-at-closing" id="faq-link-two" rel="noopener noreferrer" target="_blank">When refinancing my mortgage, can I get extra money at closing so I can pay off other debt?</a></li><li><a href="/mortgage/faqs/#mortgage-refinance/#purchase-or-refi__how-long-does-process-take" id="faq-link-three" rel="noopener noreferrer" target="_blank">How long does the whole loan process take?</a></li><li><a href="/mortgage/faqs/#mortgage-refinance/" id="faq-link-four" rel="noopener noreferrer" target="_blank">See all home mortgage FAQs <span aria-hidden="true">></span></a></li></ul></div><div class="flex-item-1"></div><div class="flex-item-3"><h3>Refinance basics</h3><ul class="main"><li class="image faq-text show-for-medium-up"><p>Find out what you need before you apply.<br/><a href="/mortgage/learn/apply-for-your-refinance-loan/" id="faq-link-five" rel="noopener noreferrer" target="_blank">Applying for your refinance loan</a></p></li><li class="image faq-text show-for-small-only"><p>Find out what you need before you apply.<br/><a href="/mortgage/learn/apply-for-your-refinance-loan/" id="faq-link-five-small" rel="noopener noreferrer" target="_blank">Applying for your refinance loan</a></p></li><li class="image faq-text show-for-medium-up"><p>Before deciding if refinancing to lower your payment is right for you, look at the details.<br/><a href="/mortgage/learn/refinancing-to-lower-payment/" id="faq-link-six" rel="noopener noreferrer" target="_blank">Refinancing to lower your monthly payments</a></p></li><li class="image faq-text show-for-small-only"><p>Before deciding if refinancing to lower your payment is right for you, look at the details.<br/><a href="/mortgage/learn/refinancing-to-lower-payment/" id="faq-link-six-small" rel="noopener noreferrer" target="_blank">Refinancing to lower your monthly payments</a></p></li><li><a href="/mortgage/learn/#/refinance" id="faq-link-seven" class="show-for-medium-up" rel="noopener noreferrer" target="_blank">Learn more about refinancing <span aria-hidden="true">></span></a></li><li><a href="/mortgage/learn/#/refinance" id="faq-link-seven-small" class="show-for-small-only" rel="noopener noreferrer" target="_blank">Learn more about refinancing <span aria-hidden="true">></span></a></li></ul></div><div class="flex-item-1"></div></div></div><div id="interstitial" data-component="module" data-module="sales-es-en-interstitial-module" data-version="1.0.2" data-sparta-load="primary" data-module-ref="@sparta.sales.modules/es-en-interstitial-module" data-options="{}" data-init="esEnInterstitial" data-module-parameters="{}" class="es-en-interstitial-module-class-v-1-0-2 es-en-interstitial-module spa-module-init"></div></div></div></section><section class="foot-row small-centered"><div class="row small-collapse"><div class="column"><div id="linksModule" data-component="module" data-module="home-loans-links-module" data-version="1.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/links-module" data-options="{}" data-init="linksModule" data-module-parameters="{}" class="links-module-class-v-1-0-1 links-module spa-module-init"></div><div id="mloOverrideModule" data-component="module" data-module="home-loans-mlo-override-module" data-version="1.0.1" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/mlo-override-module" data-options="{}" data-init="mloOverrideModule" data-module-parameters="{}" class="mlo-override-module-class-v-1-0-1 mlo-override-module spa-module-init"><div style="display:none"><div id="talkTo-MLO">Talk to</div><div id="talkYourMLO-MLO">Talk to your lending specialist</div><div id="yourMLO-MLO">your lending 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Programs, rates, terms and conditions are subject to change without notice.</p><p class="footer__patent-text footer-last"><a href="//patents.bankofamerica.com" id="footerPatent" rel="noopener noreferrer" target="_blank">Patent: patents.bankofamerica.com</a></p></div></div></div></div></footer><style>.global-footer-module .footer__bottom--unauth .equalhousing{background-image:url('https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-global-logos-icon-ehl-white-CSX189e8f4c.svg')}.global-footer-module .footer__bottom--auth .equalhousing{background-image:url('https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-global-logos-icon-ehl-link-CSX2d8920d3.svg')}</style></div></div></div></section></div></div><script>window.sparta=window.sparta||{},window.sparta.minify=!1,window.sparta.env="prod1_h_w",window.sparta.language="en",function(e){if(!e.spaParams)e.spaParams={};e.spaParams.siteName="mortgage",e.spaParams.global={es:{globalText:{copy:"©",year:"2024",boaCorp:"Bank of America Corporation.",allRightsReserved:"Todos los derechos reservados."},footnote:{adaText:"Nota"},globalJs:{closeADALabel:"x: ",closeText:"cerrar",closeLayerADAText:"Ventana modal",closeModalADAText:"Ventana modal",closeMessageADAText:"Mensaje",openText:"abrir",show:"mostrar",hide:"cultar",continueText:"Continuar",cancel:"Cancelar",carouselItem:"Elemento",carouselItemOf:"de",disabledText:"Desactivado",optionalText:"opcional",layerStart:"Inicio de contenido en ventana modal",layerEnd:"Fin de contenido en ventana modal"},sprites:{message:"/mortgage/spa-assets/images/assets-images-global-icons-msg-icon-sprite-fsd-CSX34039d09.png"},layers:{modalHeaderBackgrounds:{edge:"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_me-CSXb53cb424.svg",enterprise:"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_enterprise-CSX80c69fda.svg","enterprise-two":"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_enterprise2-CSX9fa01af2.svg","co-brand":"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_bank-CSXc6912ac.svg","small-biz":"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_small_biz-CSX2836a386.svg",default:"/mortgage/spa-assets/images/assets-images-global-logos-interstitial_flagscape_bank-CSXc6912ac.svg"},"leaving-site":{header:"Va a entrar a otro sitio web",body:"<p>Está a punto de entrar a un sitio web cuya propiedad o administración no pertenecen a Bank of America. 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Adjustable-Rate Mortgage (ARM) Refinance at Bank of America