The current Wachovia Bank mortgage rates are 4.180% APR for a 30 year fixed loan and 4.705% APR for a 30 year fixed FHA loan. Wachovia mortgage rates are 3.565% APR for a 15 year fixed loan and 3.156% APR for a 15 year fixed FHA loan. Wachovia interest rates are 3.156% APR for a 5 year ARM and 2.999% APR for a 5 year ARM FHA loan.

For larger loans in eligible areas, the rates are 4.130% APR for a 30 year fixed loan, 4.784% APR for a 30 year fixed FHA loan and 3.195% APR for a 5 year ARM loan respectively. In the case of jumbo loans, the rates are 4.382% APR for a 30 year fixed loan and 3.195% APR for a 5 year ARM loan. These competitive rates coupled with good features make Wachovia home loans a good option for many homeowners.

The first category is the FHA loans category where Wachovia bank mortgage rates are 5.65% APR for 30 years, and 5.624% APR for 30 years Fixed FHA. For a 15 years fixed mortgage, the Wachovia home loans rate are 4.447% APR and the 5 year ARM interest rate is 3.258%APR. For a 3 years fixed FHA loan, the Wachovia interest rates are 3.351% APR.

For eligible people under larger loan amount (Confirming FHA) for a 30 years fixed mortgage, the Wachovia mortgage rates are 5.568% APR and for 5 years ARM, the interest rate is 3.255% APR.

There are some loans that exceed the confirming loan amount for that area and the interest rates for such loans are different. For a 30 year fixed mortgage, the interest rate is 5.390% APR and for 5 years ARM, the Wachovia bank mortgage loan rate is 3.388% APR.

The exact category of loan and the terms can be chosen based on your financial commitments and personal preferences. However, this is the best time to buy a house because the house prices are historically at one of its lowest and also the bank rates are reasonable.

Wachovia bank mortgage rates under Conforming and FHA Loans scheme for 30 years fixed period is offered to eligible customers and the interest rate is 4.33%APR. For 30 years fixed FHA, the Wachovia interest rates are 5.087% APR. For 15 year Fixed, Wachovia home loans rate are 3.943% APR while the 5 year ARM interest rate is 3.083% APR. For 5 years ARM FHA, the interest rate is 2.948%  APR.

For larger loan amounts in eligible areas under Conforming FHA scheme and for a 30 year fixed mortgage, Wachovia’s mortgage rates are 4.382% APR. For 30 year Fixed FHA, the interest rate is 5.032% APR while for a 5 year ARM, the interest rate is 3.167% APR.

There is a Jumbo Loan scheme where the loan amount exceeds the conforming loan limits. Under this scheme, the Wachovia mortgage rates for a 30 year fixed loan is 5.012% APR while for 5 years ARM, the interest rate is 3.388% APR.

For all the above interest rates under all the schemes, 1% of loan amount needs to be paid towards loan origination charges, but does not include other closing costs or discount points. Borrower paid insurance may apply for loans with less than 20% down payment.

The current interest rates for single family primary residence are as follows. Conforming loans are those home mortgages eligible for sale either to FNMA or FHLMC while FHA loans are those loans that are backed by the guarantee of FHA. FHA stands for Federal housing Administration which is a US agency that is a part of National Housing Act 1934. The Wachovia bank mortgage rates for a 30-year fixed mortgage for conforming loans and FHA loans are 4.686% APR. For 30 years fixed FHA, the rates are 5.233% APR. For 15 year fixed, the Wachovia home loans interest rate is 4.069% APR. For 5 year ARM (adjustable rate mortgage), the interest rates at Wachovia Bank are 3.209% APR. For a 5 year ARM FHA, the interest rates are 3.074% APR.

For larger loan amounts in eligible areas, Wachovia mortgage rates for 30 years fixed is 4.760% APR while for a 30 year fixed FHA loan, the interest is 5.309% APR. For 5 years ARM, the interest rate is 3.293% APR.

In the jumbo loans category (here the loan amount exceeds the Conforming loan amounts) interest rate for 30 year Fixed is 5.264% APR and for a 5 year ARM, the interest is 3.652% APR.

The current Wachovia Bank mortgage rates for conforming and FHA loans for a period of 30 years is 5.318% APR. This is a fixed rate loan and so the rates do not vary according to the market rates. Conforming loans are conventional home mortgages that meet the eligibility requirements laid down by the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). The mortgages must be eligible to be sold to these agencies because they have to purchase the first mortgage up to the existing loan amounts. This has been made mandatory through a Congressional directive. FHA Loans are those that have the backing of the Federal Housing Administration (FHA) or the Veterans Association (VA). Wachovia interest rates for a 30-year FHA loan is 6.028% APR while a 15-year fixed loan has an interest rate of 4.700% APR. The adjustable mortgage rates (ARM) are slightly lower than the fixed rate loans and currently, they have an interest rate of 3.647% for a 5 year loan. In the case of a 5-year FHA ARM loan, the interest rates are 3.384%. These rates are very attractive and you can look into this option if you are shopping for good mortgage rates.

The current Wachovia Bank mortgage rates are 5.318% APR for a 30-year fixed loan while it is 4.700% for a 15-year fixed loan. Wachovia interest rates for FHA loans are 6.245% for a 30-year fixed FHA. It is 3.564% for a 5-year ARM loan and 3.401% for a 5-year ARM FHA loan. In the case of larger loans on certain eligible areas, the Wachovia mortgage rates are 5.390% for a 30-year fixed loan, 5.924% for a 30-year fixed FHA and 3.652% for a 5-year ARM loan respectively. For jumbo loans, Wachovia’s interest rates are 5.895% for a 30-year fixed loan and 3.930% for a 5-year ARM loan. These rates of interest are extremely competitive and this makes them very attractive to home-owners.

These rates assume good credit, up to 20% down in cash or equity, cahs on hand for any fees, and a loan amount commensurate with local values in property.  We will list both standard and FHA loans.  Assumptions include the home will be the primary, single-family occupancy for the buyer.

30 Year Fixed Wachovia Home Loans

In this category, the rate is 4.875% (5.065% APR).  For an FHA loan here, the rate is 5.00% (5.717% APR) in Wachovia interest rates.  Jumbo loans (higher than area averages), rates are somewhat higher with 5.00% (5.138% APR) for standard and 5.25% (5.924% APR) for FHA loans.

15 Year Fixed Wachovia Mortgage Rates

For this term, Wachovia interest rates are only available as a standard loan.  The rate is 4.25% (4.573% APR).

5/1 Adjustable Rate Mortgage (ARM) Wachovia Bank Mortgage Rates

For this term, the rates in standard loans are 3.75% (3.601% APR) and 3.75% (3.42% APR) for FHA.  Large loans in this term are at 4.00% (3.643% APR).  These Wachovia interest rates are on adjustable rate mortgages, which aren’t right for everyone, but are an option many consider.

Wachovia Bank (Wells Fargo Bank) is an equal opportunity lender.  Rates in your area will vary because of your geographic location, specific situation, and other factors.  Speak with your financial adviser before making any loan decisions.

We will assume you have the minimum requirements for good credit, the required down payment, money for the fees, and so forth.  Loan rates can vary by geographic location, so check with your local Wachovia home loans branch or online to be sure that these rates apply to you.  These Wachovia interest rates should at least give you an idea of what’s available right now.

For a 30-year fixed loan, the annual percentage rate (APR) is 5.824% while an FHA loan is 6.773% APR.  Wachovia Bank mortgage rates for a 15-year fixed is 5.457% APR and no FHA is available for this shorter term.

A 5-year ARM is at 4.331% APR and a 5-year ARM FHA is 4.133% APR.  These adjustable rates go to a higher, fixed rate at the end of the term, but for many this is the best way to get into a house.  Be sure to consider all of your options and to talk it over with your financial advisor before you decide which loan is best for you.

There are larger and even Jumbo loans available, the maximum sizes of which depend on the area the property is in.  All Wachovia Bank mortgage rates are subject to change and, as mentioned, will vary by geographic location of the property.

Be sure to check current rates before locking in your mortgage.  These Wachovia mortgage rates are competitive and worth looking over.

Wachovia was bought out by Wells Fargo, but still operates under the Wachovia brand. Most mortgage rates at Wachovia Bank are competitive and right now, in fact, they’re beating the rates at Wells Fargo. They offer Wachovia mortgage rates for 30-year, 15-year, and 20-year as well as Jumbo and FHA mortgages.

For standard 30-year fixed rate Wachovia Bank mortgage rates, the annual percentage rate (APR) is 4.887% or 5.013% for an FHA 30-year. All of our number here assume credit worthiness and proper down payment, of course. The Wachovia Bank mortgage rates for a 15-year fixed is 4.842% APR while a 20-year fixed is 4.826%.

A special 30-year Jumbo mortgage (for large purchases, over the average for your area), mortgage rates at Wachovia Bank are 6.371% APR.

If you’re interested in an adjustable rate mortgage (ARM), then you’ll want to look at Wachovia Bank mortgage rates for these. A 3/1 ARM is 4.625% APR while a 5/1 ARM is 4.375% APR. These low interests hold for the term (3 or 5 years) of the ARM and adjust to the current 30-year rate and then adjust yearly after that, per the Wachovia Bank interest rates.

In our opinion, if you’re interested in finding a new or refinancing an existing mortgage, Wachovia Bank home loans are definitely worth looking into. They’ve also got Wachovia Bank interest rates at a competitive low for home equity loans.