Atlanta, GA – Low 30 Year Fixed Mortgage Rates Available

If you live in Atlanta, Georgia and happen to be in the market for a new home loan or are looking to refinance an existing mortgage, you may want to stop by the following institutions mentioned below. We’ve tracked down today’s lowest 30 year fixed rate mortgages for Atlanta residents and have found the APR’s to be fairly reasonable. If you live in the greater Atlanta area or in the neighboring suburbs and know of a better 30 year fixed rate mortgage offered through your local bank or credit union, please share by leaving a comment below.

One quick note – Obtaining a mortgage through a credit union can generally lead to lower APRs, interest rates and closing costs as credit unions are not-for-profit institutions which are member-owned. Any profits derived from their business operations are passed on to their customers (members) in the form of lower loan rates and higher savings rates.

30 year fixed rate mortgages (Atlanta, GA):

(Rates accurate as of April 2011. Visit the individual institution’s website for updated rates, information and locations.)

- PrivateBank and Trust Company (Atlanta, GA) has a 30 year fixed rate mortgage 4.875% APR assuming 20% down.

- RBC Bank (Marietta, GA) has a 30 year fixed rate mortgage 5.00% APR assuming 20% down.

- Regions Bank (Marietta, GA) has a 30 year fixed rate mortgage 4.750% APR assuming 20% down.

- SunTrust Bank (Decatur, GA) has a 30 year fixed rate mortgage 4.99% APR assuming 20% down. Find a full review of Suntrust Bank’s mortgage and refinance rates on BankVibe.com.

The APRs listed above assume a $200,000 loan on a home purchase.

Regions Bank Mortgage Review and Rates

Regions Mortgage, headquartered in Birmingham, Ala., is one of the nation’s top residential mortgage loan originators and servicers. With over 600 loan originators in 16 states, Regions Mortgage is committed to serving the wide range of customer needs.

Regions Mortgage product line includes fixed rate mortgages, adjustable rate mortgages, interest only mortgages, a number of refinancing mortgage options and more.

Locking in your mortgage rate with Regions Bank:

In most cases, the rates you are quoted prior to application represent the terms available at the time of the quote. Rates are unpredictable, so once you have found the mortgage program and rate that is right for you, it’s a good idea to lock in your rate so that you’ll have an estimated monthly payment and will know what interest rate to expect at closing.

Regions Mortgage Closing Costs:

Regions Mortgage is committed to closing your loan on time, every time. Make sure to communicate to your Mortgage Loan Originator if you must close by a certain date so that they may work closely with you and our support teams to ensure your target closing date is met. The “loan closing” is when the finalized loan documents are signed, and the mortgage funds are disbursed.

Mortgage Rates offered through Regions Bank:

(Rates accurate as of January 2011)

- 30 year fixed rate mortgage with an APR of 5.00% with 20% down.

- 15 year fixed rate mortgage with an APR of 4.375% with 20% down.

- 5 year ARM (adjustable rate mortgage) with an APR of 4.125% with 20% down.

- 3 year ARM (adjustable rate mortgage) with an APR of 3.75% with 20% down.

Regions Bank CD Rates and Review

Regions Bank, the first multi-bank holding company in Alabama, was originally formed in 1971 as First Alabama Bancshares Inc. With the combination of three well-respected banks, the holding company began operations with a total of $543 million in assets and 40 banking locations in Birmingham , Huntsville and Montgomery. Today they operate in 16 states across most of the southeast to midwest.

How Regions Bank got it’s roots…

Regions Financial Corporation traces its roots back to three Alabama-based banks who became original affiliates of First Alabama Bancshares, Inc., chartered in 1970 as the first multi-bank holding company in the state of Alabama. Those three banks are: the First National Bank of Huntsville, chartered in 1856, the First National Bank of Montgomery, opened in 1871, and the Exchange Security Bank of Birmingham.

Regions Bank’s Product Offerings:

Regions offers a wide array of products for personal, small business and commercial banking customers. Within the personal banking vertical they offer the full assortment of products – checking, savings, CDs, credit cards, mortgages, refi’s, auto loans, student loans, insurance and investing. They also intertwined these products with state of the art online banking technology – online bill pay, mobile banking, etc.

CD Rates available through Regions Bank:

Regions Bank’s CD rates epitomize the miserable state of the current consumer savings market. Their rates provide yields of next to nothing with maturities ranging from 2 months to 5 years. PLEASE NOTE – These rates may be outdated. Refer to the date of this article for accuracy. Visit BankVibe.com’s CD Rates page for updated rates.

CD Rate Terms and Conditions: