Competitive Mortgage Rates from Capital One, N.A.

Current mortgage rates at Capital One, N.A., (NMLS ID 453156) are very competitive. Capital One's mortgage rates are competitive for both fixed and adjustable loans for amounts. Loan amounts are available for up to $2.5 million. Depending on the borrower's circumstances, the debt-to-income ratio (DTI)* on a Capital One mortgage can be as high as 50 percent. Most lenders have a DTI max of 43 to 45 percent.

*Debt-to-income ratio is how much of your monthly income (before taxes) goes towards paying off your debt. Your monthly mortgage payment with taxes and insurance is included in the calculation. Payments also include credit card payments, car loan payments, student loan payments, child support payments, alimony payments and any payments related to legal judgments.

Listed below are Capital One mortgage rates quoted on March 7, 2016. These quoted rates are for a loan-to-value (LTV) of 60 percent.

Capital One Mortgage Rates

Mortgage Loans up to $417,000

  • 30 Year Rates 3.75%
  • 15 Year Rates 3.00%
  • 7/1 ARM 3.125%
  • 5/1 ARM 2.875%

Mortgage Loans $417,001 to $625,500

  • 30 Year Rates 3.625%
  • 15 Year Rates 3.00%
  • 7/1 ARM 3.375%
  • 5/1 ARM 3.00%

Mortgage Loans $625,500 to $2,500,000

  • 30 Year Rates 3.625%
  • 15 Year Rates 3.25%
  • 7/1 ARM 2.625%
  • 5/1 ARM 2.875%

To see how Capital One mortgage rates compare with other lender's rates, search our mortgage rate lists.



Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 06101, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
3.138%
3.125%
USD
AmeriSave Mortgage Corporation Logo
NMLS # 1168
State Lic # 11309
10/23/2020
at 0.000 pts
30 day lock rate
Est payment: $1,286
Fees in APR: $500
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.646%
2.500%
USD
AmeriSave Mortgage Corporation Logo
NMLS # 1168
State Lic # 11309
10/23/2020
at 1.750 pts
30 day lock rate
Est payment: $1,186
Fees in APR: $5,795
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif
300000
Purchase
2.934%
2.875%
USD
AmeriSave Mortgage Corporation Logo
NMLS # 1168
State Lic # 11309
10/23/2020
at 0.625 pts
30 day lock rate
Est payment: $1,245
Fees in APR: $2,297
Direct Lender. Billions Funded.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
3.693%
3.500%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
10/23/2020
at 2.000 pts
45 day lock rate
Est payment: $1,348
Fees in APR: $7,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.739%
3.625%
USD
Rocket Mortgage Logo
NMLS # 3030
10/23/2020
at 1.000 pts
45 day lock rate
Est payment: $1,369
Fees in APR: $4,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.314%
3.125%
USD
Rocket Mortgage Logo
NMLS # 3030
10/23/2020
at 2.000 pts
45 day lock rate
Est payment: $1,286
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.



Author: Brian McKay
March 7th, 2016