Current Best Mortgage Rates in Wilmington, NC

If you, among many others, have been impressed by sinking mortgage rates and are planning on buying your first home, the present may truly be the most opportune time. However, just because average Wilmington mortgage rates are at historic lows doesn’t mean every financial institution will be offering an affordable financing option. In order to lower the cost of your home purchase as much as possible, you will need to research the rates available locally and find the very best.

Whether you’re interested in a traditional fixed rate mortgage or are planning on obtaining an ARM, there’s a lender in Wilmington, NC with a great rate for you. Below is a list of the best mortgage rates in Wilmington across a variety of loan types.

Wilmington Banks and Credit Unions with Lowest Mortgage Rates

Top Wilmington 15-Year Fixed Mortgage Rates

• Wachovia Bank, National Association: 3%
• • Orig. Fees: 1%
  • Points: 0.88


• Bank of America, National Association: 3.25%
• • Orig. Fees: 1%
  • Points: 1


• Gateway Bank & Trust Company: 3.25%
• • No Orig. Fees
  • Points: 0

Best 30-Year Fixed Mortgage Rates in Wilmington

• Quicken Loans Inc: 3.99%
• • No Orig. Fees
  • Points: 2


• Gateway Bank & Trust Company: 4%
• • No Orig. Fees
  • Points: 0


• Branch Banking & Trust Company: 4.25%
• • No Orig. Fees
  • Points: 0

Lowest Wilmington 3/1 ARM Mortgage Rates

• Wachovia Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.75
  • Caps: 2% per Adjustment Period


• Branch Banking & Trust Company: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Gateway Bank & Trust Company: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates for a 5/1 ARM in Wilmington

• Wachovia Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.75
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 0.75
  • Caps:


• SunTrust Bank: 2.63%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Ensure you verify these rates with the lender before you apply. Interest rates are accurate as of November 1, 2011, but are subject to change at any time. Further, you may be subject to additional requirements or credit approval in order to obtain the lowest advertised Wilmington mortgage rate.