Mortgage Refinance and Home Refinancing from Bank of America

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Want that house we better get movin. Daughter: Okay Dad…I’m already on it. Narrator: Bank of America’s Digital Mortgage makes it simple and easy to apply for your mortgage online and on your time. Father: You’re gonna need these. We have a lot of stuff to print out. Narrator: Reduce paperwork and save time every step of the way. Narrator: You can review loan options and select features that matter to you…ranging from lower closing costs to lower monthly payments. Father: I can’t find my car keys. Have you seen them? Daughter: I’ll be right there. Narrator: At any point, you can save your application for later. Daughter: Found them! Father: Oh great. Let me grab my coat, we’ll run to the bank and see what they have to offer. Daughter: No need to Dad, we’re good. Father: Honey the rates are low right now we should try to lock it in if we can. Daughter: We can do it right now. Dad: What? Narrator: Pick up where you left off even on a different device and lock your rate to avoid the risk of rising rates, or leave it open and lock later. Dad: Alright but what if you have questions? Daughter: I can talk to a lending specialist if I want. Dad: Oh, I see. Narrator: You’re in control every step of the way. Daughter: We’re all set. Dad: Well, that’s it. Daughter: That's it. Dad: Wow, your first house. That really is something. Daughter: I couldn’t have done it without you Dad. Narrator: When life gets complicated, Bank of America helps keep it simple. 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data-module-parameters='{"skin":"red","isSticky":true,"secondarySticky":"#loremIpsumSpaModule","flagscape":true,"textColor":"white","titleHeadingTag":"h1","titleHeadingRole":null,"pageTitleId":"global-modules-digital","stickyLevel":1,"isVisuallyHidden":false}' class="title-module-class-v-1-0-31 title-module spa-module-init"><div class="spa-page-title spa-sticky spa-page-title--has-flagscape spa-page-title--red spa-page-title--white-text" data-sticky-full-width="true" data-sticky-level="1"><div class="spa-page-title-inset row"><div class="column"><h1 data-font="cnx-regular" class="heading title-heading" id="skip-to-h1">Mortgage Refinance</h1></div></div></div></div><div id="engagementFloatModule" data-component="module" data-module="home-loans-engagement-float-module" data-version="2.1.0" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/engagement-float-module" data-options="{}" data-init="engagementFloatModule" data-module-parameters="{}" class="engagement-float-module-class-v-2-1-0 engagement-float-module spa-module-init"><div class="row collapse full-width-row"><div class="column banner-container"><div class="banner-image-wrapper fixed-height-image"><picture><source media="only screen and (min-width:1025px)" type="image/webp" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_lg-CSX9c71a7e0.webp 1920w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_lg@2x-CSXc927e9c9.webp 3840w" sizes="100%"><source media="only screen and (min-width:1025px)" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_lg-CSX6af875c5.jpg 1920w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_lg@2x-CSXf254255e.jpg 3840w" sizes="100%"><source media="only screen and (min-width:768px)" type="image/webp" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_md-CSX60bd9027.webp 1024w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_md@2x-CSX27187e50.webp 2048w" sizes="100%"><source media="only screen and (min-width:768px)" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_md-CSX3a5c80c1.jpg 1024w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_md@2x-CSXa1055c1f.jpg 2048w" sizes="100%"><source media="only screen and (min-width:1px)" type="image/webp" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_sm-CSX2a4e94e6.webp 768w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_sm@2x-CSX1debad9b.webp 1536w" sizes="100%"><source media="only screen and (min-width:1px)" srcset="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_sm-CSX824c16f4.jpg 768w,https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-engagement-float-module-HL_refi_sm@2x-CSXd723d2c4.jpg 1536w" sizes="100%"><img src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" alt="" alt="" aria-hidden="true"/></picture></div><div class="row collapse engagement-area-content"><div class="column medium-10 small-12 small-centered align-content-center"><div class="engagement-area-top-content"><h2 class="heading" data-font="cnx-regular">Ready to Refinance? We are here to help.</h2><div class="sub-heading" data-font="cnx-light">Get started with the Bank of America Digital Mortgage Experience®</div><div class="engagement-btns show-for-small-only"><a href="/apply-now-services/home-loans/initialize/v1/init?requesttype=DME&loanPurpose=refinance&subCampCode=" id="applyNowSmall" class="apply-or-prequalify spa-btn spa-btn--primary spa-btn--block spa-btn--small">Apply now<span class="ada-hidden"> for home loans</span></a></div><div class="engagement-btns show-for-small-only"><a href="#" id="getAnEstimateOfCostsLink" class="banner-link spa-ui-layer-link spa-fn spa-prevent-default-click" rel="getAnEstimateOfCostsLayer" data-options='{"rel":"getAnEstimateOfCostsLayer"}'>Get estimate of costs<span class="spa-ada-text ada-hidden"> popup</span></a></div><div class="engagement-btns show-for-medium-only"><a href="/apply-now-services/home-loans/initialize/v1/init?requesttype=DME&loanPurpose=refinance&subCampCode=" id="applyNowSmall" class="apply-or-prequalify spa-btn spa-btn--primary spa-btn--block spa-btn--small">Apply now<span class="ada-hidden"> for home loans</span></a></div><div class="engagement-btns show-for-medium-only"><a href="#" id="getAnEstimateOfCostsLink" class="banner-link spa-ui-layer-link spa-fn spa-prevent-default-click" rel="getAnEstimateOfCostsLayer" data-options='{"rel":"getAnEstimateOfCostsLayer"}'>Get estimate of costs<span class="spa-ada-text ada-hidden"> popup</span></a></div><div class="engagement-btns show-for-large-up"><a href="/apply-now-services/home-loans/initialize/v1/init?requesttype=DME&loanPurpose=refinance&subCampCode=" id="applyNow" class="apply-or-prequalify spa-btn spa-btn--primary spa-btn--block spa-btn--medium">Apply now<span class="ada-hidden"> for home loans</span></a></div><div class="engagement-btns show-for-large-up"><a href="#" id="getAnEstimateOfCostsLink" class="banner-link spa-ui-layer-link spa-fn spa-prevent-default-click" rel="getAnEstimateOfCostsLayer" data-options='{"rel":"getAnEstimateOfCostsLayer"}'>Get estimate of costs<span class="spa-ada-text ada-hidden"> popup</span></a></div></div><div class="eng-nav-bar show-for-medium-up"><ul class="nav-list"><li class="nav-item"><a href="/mortgage/home-mortgage/" id="home-mortgage-link" class="cnx-regular"><span class="ada-hidden">click to go to </span>Mortgage<span class="ada-hidden"> details page</span></a></li><li class="nav-item active"><a href="javascript:void(0);" id="refinance-link" class="cnx-regular" tabindex="-1">Refinance</a></li><li class="nav-item"><a href="/home-equity/" id="home-equity-link" class="cnx-regular"><span class="ada-hidden">click to go to </span>Home Equity<span class="ada-hidden"> details page</span></a></li></ul></div></div></div></div></div><div class="eng-nav-bar show-for-small-only"><ul class="nav-list"><li class="nav-item"><a href="/mortgage/home-mortgage/" id="home-mortgage-link" class="cnx-regular"><span class="ada-hidden">click to go to </span>Mortgage<span class="ada-hidden"> details page</span></a></li><li class="nav-item active"><a href="javascript:void(0);" id="refinance-link" class="cnx-regular" tabindex="-1">Refinance</a></li><li class="nav-item"><a href="/home-equity/" id="home-equity-link" class="cnx-regular"><span class="ada-hidden">click to go to </span>Home Equity<span class="ada-hidden"> details page</span></a></li></ul></div><div class="row notification-promo-wrapper"><div class="column small-11 small-centered notification-content">Refinancing can potentially lower your monthly mortgage payment, pay off your mortgage faster or get cash out for that project you've been planning.</div></div><div id="getAnEstimateOfCostsLayer" class="hide" data-options="{"type":"modal"}"><h1 id="getAnEstimateOfCostsLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Get a loan estimate</h1><div class="content">To receive your loan estimate, please call one of our lending specialists at <span class="call-us">866.466.0979</span> during our normal operating hours (Mon-Fri 8 a.m. - 10 p.m. ET, Sat 8 a.m. - 6:30 p.m. ET). The loan estimate will tell you what we expect to offer you if you decide to move forward, but does not represent a loan approval.<br><br>You can also use our <a href="/mortgage/closing-costs-calculator/" id="closingCostCalculator">Closing Cost Calculator</a> to estimate your total closing expenses for purchasing a home.</div></div></div><div id="large-tab-nav-all-views" 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 no-tabs cta-contact" data-sticky-level="2"><div class="inner-sticky-actual"><div class="row collapse cnx-regular"><div class="small-12 column relative"><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=">Apply now <span class="ada-hidden">for refinance</span></a><div class="icon call inline-item"><a class="sc-phone-number call-us" tabindex="-1" href="javascript:void(1);" id="callUsRefinanceOverviewTabNav">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="scheduleAnAppointmentRefinanceOverviewTabNav" 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="interactiveModule" 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":"margin-top-zero"}' class="interactive-module-class-v-2-0-0 interactive-module spa-module-init"><section class="wrapper-interactive-home-loans margin-top-zero"><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">Refinance payment calculator</p><div class="a-tag-city-state"><p><a href="/mortgage/refinance-calculator/" id="refinance-calculator">Estimate your monthly payment</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">Thinking about cash out?</p><div class="a-tag-city-state"><p>If you have available equity in your home, you may be able to get cash at closing with a cash-out refinance loan.</p><p><a href="/mortgage/learn/cash-out-refinance/" id="learn-more-cash-out-refinance-loan" data-options='{"windowName":"spaWin","block":true}'>Explore cash-out refinance loans</a></p><p><a href="https://homevaluerealestatecenter.bankofamerica.com/" id="estimate-your-home-value" data-options='{"windowName":"spaWin","block":true}'>Estimate your home's value</a></p><p><a href="/mortgage/learn/what-is-a-home-equity-line-of-credit/" id="consider-home-equity-line-credit">Want another option? Consider a home equity line of credit</a></p></div></div></div></div></div></section></div><div id="headlineMortgageOverviewModule" data-component="module" data-module="home-loans-headline-mortgage-overview-module" data-version="3.0.0" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/headline-mortgage-overview-module" data-options="{}" data-init="headlineMortgageOverviewModuleJS" data-module-parameters="{}" class="headline-mortgage-overview-module-class-v-3-0-0 headline-mortgage-overview-module spa-module-init"><section><h2 class="headline mtop-neg-10">Today's competitive<br class="show-for-small-only"> refinance rates<sup><a href="javascript:void(0);" id="refinance-rates-disclosure" class="disclosures-dagger"><span aria-hidden="true">&dagger;</span><span class="ada-hidden"> scroll to rates disclosure</span></a></sup></h2></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="purchase-price-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> Home value</span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="purchase-price-input-medium_errorMessage purchase-price-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="purchase-price-input-medium" name="purchase-price-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-purchase-price-input-medium" aria-label="Home value" type="button"> </button></span><p id="purchase-price-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_purchase-price-input-medium" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-purchase-price-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="purchase-price-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> Current loan balance</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 $2 million."},{"fn":"withinPercentageRangeOf","soft":true,"parameters":["#purchase-price-input-medium",0,80],"errorMessage":"Private mortgage insurance may be required for loans more than 80% of the home value."}]}}' required aria-required="true" data-required-error-message="Enter a current loan balance." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-loan-amount-input-medium" aria-label="Current loan balance" type="button"> </button></span><p id="loan-amount-input-medium-hint-text" class="spa-input-hint">Balance left on your mortgage</p><div class="input-help" id="helpLayer_loan-amount-input-medium" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-loan-amount-input-medium" aria-label="Current loan balance" type="button"> </button><div class="head">Current loan balance</div><div class="body">How much balance is left on your mortgage.</div></div><div class="spa-input-error-message spa-icon--error" id="loan-amount-input-medium_errorMessage" aria-hidden="true"></div></div></div><div class="medium-4 large-3 column"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zip-code-input-medium">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden">Input zip code</span></label><input type="text" aria-describedby="zip-code-input-medium_errorMessage zip-code-input-medium-hint-text" pattern="^\d{5}$" 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></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="3" data-product-name="Fixed 30 Years" data-product-sub-code="360"><div class="medium-3 column"><div class="container"><div><div scope="row" id="30YearFixed"><p class="cnx-regular">30-year <a href="javascript:void(0);" id="thirty-year-fixed-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="fixed-tooltip-content" data-options='{"rel":"fixed-tooltip-content"}'>fixed<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div></div><div class="medium-2 column"><div class="container"><div header="30YearFixed 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="30YearFixed 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="30YearFixed 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="30YearFixed monthlyPayment"><p class="partial-payment"><span class="ada-hidden">Monthly Payment</span> <span class="update-partial">$XXXX</span></p></div></div></div></div><div class="row grayscalefalse" data-product-code="1" data-product-name="Fixed 15 Years" data-product-sub-code="180"><div class="medium-3 column"><div class="container"><div><div scope="row" id="15YearFixed"><p class="cnx-regular">15-year <a href="javascript:void(0);" id="fifteen-year-fixed-tooltip-medium" class="spa-ui-layer-link spa-fn" rel="fixed-tooltip-content" data-options='{"rel":"fixed-tooltip-content"}'>fixed<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div></div><div class="medium-2 column"><div class="container"><div header="15YearFixed rate"><p class="partial-rate"><span class="ada-hidden">Rate</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="15YearFixed APR"><p class="partial-apr"><span class="ada-hidden">APR</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="medium-2 column"><div class="container"><div header="15YearFixed points"><p class="partial-points"><span class="ada-hidden">Points</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="medium-3 column"><div class="container"><div header="15YearFixed monthlyPayment"><p class="partial-payment"><span class="ada-hidden">Monthly Payment</span> <span class="update-partial">$XXXX</span></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="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="purchase-price-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> Home value</span></label><span aria-hidden="true" class="spa-input-prefix--currency" data-currency-value="$">$</span><input type="text" aria-describedby="purchase-price-input-small_errorMessage purchase-price-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="purchase-price-input-small" name="purchase-price-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-purchase-price-input-small" aria-label="Home value" type="button"> </button></span><p id="purchase-price-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_purchase-price-input-small" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-purchase-price-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="purchase-price-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> Current loan balance</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 $2 million."},{"fn":"withinPercentageRangeOf","soft":true,"parameters":["#purchase-price-input-small",0,80],"errorMessage":"Private mortgage insurance may be required for loans more than 80% of the home value."}]}}' required aria-required="true" data-required-error-message="Enter a current loan balance." aria-invalid="false"/><span class="toggle-trigger-box"><button class="spa-btn toggle-trigger svg-button form-help spa-btn--link" id="help-open-loan-amount-input-small" aria-label="Current loan balance" type="button"> </button></span><p id="loan-amount-input-small-hint-text" class="spa-input-hint">Balance left on your mortgage</p><div class="input-help" id="helpLayer_loan-amount-input-small" role="tooltip" aria-hidden="true"><button class="spa-btn close-trigger svg-button" id="help-close-loan-amount-input-small" aria-label="Current loan balance" type="button"> </button><div class="head">Current loan balance</div><div class="body">How much balance is left on your mortgage.</div></div><div class="spa-input-error-message spa-icon--error" id="loan-amount-input-small_errorMessage" aria-hidden="true"></div></div></div><div class="small-12 column"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zip-code-input-small">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden">Input zip code</span></label><input type="text" aria-describedby="zip-code-input-small_errorMessage zip-code-input-small-hint-text" pattern="^\d{5}$" 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"></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="3" data-product-name="Fixed 30 Years" data-product-sub-code="360"><div class="container"><div scope="col" id="30YearFixed"><p class="cnx-regular">30-year <a href="javascript:void(0);" id="thirty-year-fixed-tooltip-small" class="spa-ui-layer-link spa-fn" rel="fixed-tooltip-content" data-options='{"rel":"fixed-tooltip-content"}'>fixed<span class="spa-ada-text ada-hidden"> popup</span></a></p></div></div></div><div class="small-3 column" data-product-code="1" data-product-name="Fixed 15 Years" data-product-sub-code="180"><div class="container"><div scope="col" id="15YearFixed"><p class="cnx-regular">15-year <a href="javascript:void(0);" id="fifteen-year-fixed-tooltip-small" class="spa-ui-layer-link spa-fn" rel="fixed-tooltip-content" data-options='{"rel":"fixed-tooltip-content"}'>fixed<span class="spa-ada-text ada-hidden"> popup</span></a></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="arm-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="30YearFixed rate"><p class="partial-rate"><span class="ada-hidden">30 Year Fixed</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="15YearFixed rate"><p class="partial-rate"><span class="ada-hidden">15 Year Fixed</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="30YearFixed APR"><p class="partial-apr"><span class="ada-hidden">30 Year Fixed</span> <span class="update-partial">X.XXX%</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="15YearFixed APR"><p class="partial-apr"><span class="ada-hidden">15 Year Fixed</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="30YearFixed points"><p class="partial-points"><span class="ada-hidden">30 Year Fixed</span> <span class="update-partial">X.XXX</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="15YearFixed points"><p class="partial-points"><span class="ada-hidden">15 Year Fixed</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="30YearFixed monthlyPayment"><p class="partial-payment"><span class="ada-hidden">30 Year Fixed</span> <span class="update-partial">$XXXX</span></p></div></div></div><div class="small-3 column"><div class="container"><div headers="15YearFixed monthlyPayment"><p class="partial-payment"><span class="ada-hidden">15 Year Fixed</span> <span class="update-partial">$XXXX</span></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>This estimate requires some additional assistance</p></div><div><p>The details of this estimate requires some additional assistance from one of our loan specialists. Please contact us in order to discuss the specifics of your loan.</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.</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">866.502.9005</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">866.502.9005</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="preferredRewardsModule" data-component="module" data-module="home-loans-preferred-rewards-module" data-version="3.0.0" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/preferred-rewards-module" data-options="{}" data-init="preferredRewardsModule" data-module-parameters="{}" class="preferred-rewards-module-class-v-3-0-0 preferred-rewards-module spa-module-init"><div class="row"><section class="wrapper-preferred-rewards"><div class="row"><div class="small-12 column left-main"><div class="left-content"><img src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-preferred-rewards-module-bac_prefrew_signifier2_blk-CSXfaa69786.png" alt="preferred rewards" aria-hidden="true"/><div class="top-header"><h3>The Preferred Rewards program is our way of rewarding you for what you already do.</h3></div></div><div class="right-style"><h3></h3><p>Preferred Rewards members may qualify for an origination fee or interest rate reduction based on your eligible tier at the time of application. Depending on your tier, you may be required to enroll in PayPlan from an eligible Bank of America deposit account prior to the loan closing date in order to receive the full program benefit<sup> <a class="spa-footnote-link" id="ftn_ftn_preferredRewardsEligibility_link1" data-footnote-content="The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Bank of America, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Bank of America checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst®), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst® adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. For further details, refer to the Preferred Rewards section of the <a id='ref_personal_fees_link' href='https://www.bankofamerica.com/deposits/resources/personal-schedule-fees.go' target='_blank'>Personal Schedule of Fees</a>. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing." data-footnote="ftn_preferredRewardsEligibility" href="#ftn_ftn_preferredRewardsEligibility_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span> </span></a></sup>.</p><p><a href="https://www.bankofamerica.com/preferred-rewards/" id="learn-more-about-preferred-rewards" rel="noopener noreferrer" target="_blank">Learn more about Preferred Rewards</a></p></div></div></div></section></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-overview-home-loans squeezebox-wrapper" data-accordion-type="accordion" data-route="mortgage"><div class="row"><div class="small-12 column"><section class="squeezebox-wrapper" id="toggleProductsAccordion" data-accordion-type="accordion" data-one-at-a-time="false"><div class="squeezebox-panels" data-one-at-a-time="true"><div class="squeezebox-panel" id="see-all-types-of-refinance-loansPanel"><a href="javascript:void(0)" class="panel-header spa-oline transparent" data-panel="see-all-types-of-refinance-loansPanel" aria-label="See all the types of refinance loans we offer" id="see-all-types-of-refinance-loansAccordion" role="button"><span class="spa-squeezebox-arrow spa-icon"></span><h4 class="spa-squeezebox-heading toggle-product-header-home-loans">See all the types of refinance loans we offer</h4><span class="ada-hidden"></span></a><div class="panel-content transparent" aria-labelledby="see-all-types-of-refinance-loansAccordion"><div class="content"><div class="row"><div class="column medium-6 small-12 toggle-product-left-content"><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong>Fixed-rate refinance loan</strong></p><ul class="toggle-product-list-home-loans"><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Set interest rate for the life of the loan</p></li><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Your monthly payments of principal and interest remain the same for the life of the loan</p></li></ul><p class="toggle-product-learn-more-link"><a href="/mortgage/fixed-rate-refinance-loans/" id="learn-more-about-fixed-rate">Learn more about fixed-rate refinance loans</a></p></div><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong>Adjustable-rate refinance loan</strong></p><ul class="toggle-product-list-home-loans"><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Interest rate may change periodically during the loan term</p></li><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Your monthly payment may increase or decrease based on interest rate changes</p></li></ul><p class="toggle-product-learn-more-link"><a href="/mortgage/adjustable-rate-refinance-loans/" id="learn-more-about-adjustable-rate">Learn more about adjustable-rate refinance loans</a></p></div></div><div class="column medium-6 small-12 toggle-product-right-content"><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong>FHA and VA refinance loans</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">Low down payment options with flexible credit and income guidelines</p></li></ul><p class="toggle-product-learn-more-link"><a href="/mortgage/fha-va-refinance/" id="learn-more-about-fha-va-loans" rel="noopener noreferrer" target="_blank">Learn more about FHA and VA loans</a></p></div><div class="column medium-12 toggle-product-content-home-loans"><p class="toggle-product-content-header-home-loans"><strong>Cash-out refinance loan</strong></p><ul class="toggle-product-list-home-loans"><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">If you have available home equity, you could get cash when you close your refinance loan</p></li><li class="toggle-product-list-item-home-loans"><p class="toggle-product-text-home-loans">Fixed-rate and adjustable-rate options available</p></li></ul><p class="toggle-product-learn-more-link"><a href="/mortgage/learn/cash-out-refinance/" id="learn-more-about-cash-out-refinance-loans" rel="noopener noreferrer" target="_blank">Learn more about cash-out refinance loans</a></p></div></div></div></div></div></div></div></section></div></div></section></div></div></div></section><section class="small-centered"><div class="row small-collapse"><div class="column"><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 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":""}' 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/#purchase-or-refi__extra-money-at-closing" id="faq-link-one" 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/#home-loan-interest-rates__credit-rating-effect" id="faq-link-two" rel="noopener noreferrer" target="_blank">How does my credit rating affect my home loan interest rate?</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>Switching from an adjustable rate to a fixed rate is a common reason for refinancing.<br/><a href="/mortgage/learn/refinancing-fixed-rate/" id="faq-link-five" rel="noopener noreferrer" target="_blank">Refinancing to a fixed rate</a></p></li><li class="image faq-text show-for-small-only"><p>Switching from an adjustable rate to a fixed rate is a common reason for refinancing.<br/><a href="/mortgage/learn/refinancing-fixed-rate/" id="faq-link-five-small" rel="noopener noreferrer" target="_blank">Refinancing to a fixed rate</a></p></li><li class="image faq-text show-for-medium-up"><p>Before you decide if refinancing is the right choice for you, take a look at some of 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 you decide if refinancing is the right choice for you, take a look at some of 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></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 specialist:</div><div id="fromYourLS-MLO">from your lending specialist:</div></div></div><div id="contactUsModule" data-component="module" data-module="home-loans-contact-us-module" data-version="1.0.5" data-sparta-load="primary" data-module-ref="@sparta.home-loans.modules/contact-us-module" data-options="{}" data-init="contactUsModule" data-module-parameters='{"scope":""}' class="contactUsModule-class-v-1-0-5 contactUsModule spa-module-init"><div class="is-en"><h2 class="headline headline-content">Connect with us</h2><div class="row"><div class="card-layout mlo-content hide"><div class="content-block outter-card"><div class="card"><div class="mlo-override"><p class="headline-med">Lending Specialist</p><p class="content"></p><div class=""><div class="photoURL"></div><div class="name"><span class="firstName"></span> <span class="lastName"></span></div><div class="nml">NMLS ID: <span class="nmlSID"></span></div><div class="phone-number"><a class="number call-us" id="phone_number_2" href="tel:"></a></div></div></div></div></div><div class="content-block outter-card"><div class="card"><div class="mlo-override"><p class="headline-med">Meet with us</p><p class="address"><span class="address-line-one"></span> <span class="address-line-two"></span><span class="city"></span> <span class="state"></span></p><p class="content">Mon-Fri 8 a.m.-10 p.m. ET<br>Sat 8 a.m.-6:30 p.m. ET<br><a href="/secure-mycommunications/public/appointments/?marketingCode=SHLM_ECBBA_A5000" id="schedule-appt" rel="noopener noreferrer" target="_blank">Schedule an appointment</a></p></div></div></div><div class="content-block outter-card"><div class="card"><div class="mlo-lending"><div class="mlo-content-heading">Find another lending specialist</div><div class="mlo-content-subheading">Enter a ZIP or city</div><div style="display:flex"><div class="spa-input spa-input-box spa-input--sparta2 has-help"><label class="spa-input-label" for="location-input"></label> <input id="location-input" class="spa-input mlo-input" type="text"></div><div class="go-btn"><a id="locationNLEnglish" href="javascript:void(0)" class="go-trigger spa-btn spa-btn--small spa-btn--primary">Go</a></div></div></div></div></div></div></div><div class="row non-mlo-content"><div class="card-layout"><div class="content-block outter-card"><div class="card"><div class="medium-centered"><img id="scheduleImage" class="img" alt="" src="https://www1.bac-assets.com/mortgage/spa-assets/images/assets-images-site-home-loans-shared-icons-schedule-an-appointment-med-small-CSX96e444b1.svg" 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Mortgage Refinance and Home Refinancing from Bank of America