Mortgage rates for buying and refinancing
What can refinancing do for you?
- Reduce interest rate or monthly payment
- Combine your current 1st and 2nd mortgage
- Consolidate other bills with your mortgage
- Cash out equity for specific needs
If you’re thinking about refinancing, get a customized quote. You don't have to fill out an application to receive a rate quote.Get Refinance Rate Options
Thinking about purchasing?
- A new home that you will live in
- A rental property
- A second home
If you’re purchasing a new home, get a customized quote. You don't have to fill out an application to receive a rate quote.Get Purchase Rate Options
Need Help? Contact Us at 1-866-917-4351
If you're interested in getting a better idea of some of the rates and products you may qualify for but you aren’t ready to apply for a loan, a rate inquiry may help. Making an inquiry for a rate quote is for informational purposes only and is not a mortgage application. The rate inquiry does not commit you to borrow money nor does it commit Huntington to make a loan.
If you decide to make an application for a loan, we want you to know that Huntington's mortgage division offers many different products and options. Rates are subject to frequent change, based on many factors such as fluctuations in current market conditions or the results of a comprehensive analysis of your credit profile which is performed upon application for a mortgage loan. Your APR and actual payment amount will vary depending on loan characteristics such as loan amount, down payment, credit score, LTV ratio, property/occupancy type and other factors of your personal financial situation. Payment quotes do not include property taxes or homeowner's insurance premiums, which will result in a higher actual monthly payment. All loans are subject to credit application and approval, the receipt of a satisfactory property appraisal demonstrating sufficient value and title insurance.
Rate and Payment Option Definitions
Answer: Rate inquiry is based on an analysis of limited information. It provides 3-5 product options with interest rate and APR based on credit score, property loan-to-value ratio and type of property. It is a request for tailored interest rate information only and is not an application for credit. Rate inquiry does not obligate Huntington to lend or the customer to borrow money.
Answer: A customer’s request for credit which involves supplying a lender with personal information such as income, assets, and financial obligations. The lender verifies this information, then does a comprehensive analysis of the customer’s current financial situation, while keeping in mind the type of mortgage loan for which the borrower is applying. The outcome of the application process is to provide the customer with a credit decision.
Answer: A determination of a customer’s ability to meet a loan program’s predetermined guidelines such as debt-to-income ratios, assets, credit history and property information.