Compare Mortgage Rates

  • Refinance
  • Home Purchase
  • Home Equity
  • Debt Consolidation

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Include 1st & 2nd mortgages plus any equity loans or credit lines
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Delaware Mortgages at a glance

Average 25th Percentile 50th Percentile 75th Percentile
Loan Amount $194,065 $135,000 $182,500 $235,000
Property Values $272,676 $191,250 $245,000 $325,000
Average LTV 75.3%
Percent Refinance 81.7%
Pct of Refis Cashout 10.3%

Delaware Mortgage Rates

Looking for the best mortgage rate in Delaware?  Whether you prefer the mini-urban appeal of Wilmington, or the serenity of Bethany Beach, you'll want to get the best mortgage available. Here's how to do it:

  • Educate yourself.
  • Know your options.
  • Determine your goals.
  • Comparison shop.
  • Crunch the numbers.

Amerisave

4.070%APR

Rates as of: 8/29/2014 30 Yr. Fixed
  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Show Phone number

Call Now: 866-814-2162

Rate APR Term Point Payment
  • 3.875%
  • 4.125%
  • 4.250%
  • 4.070%
  • 4.241%
  • 4.283%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $964
  • $994
  • $1,008

Capital One

4.225%APR

Rates as of: 8/29/2014 30 Yr. Fixed
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Show Phone number

Call Now: 855-238-8771

Rate APR Term Point Payment
  • 4.000%
  • 4.125%
  • 4.250%
  • 4.225%
  • 4.269%
  • 4.312%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $979
  • $994
  • $1,008

Discover

4.078%APR

Rates as of: 8/29/2014 30 Yr. Fixed
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
Show Phone number

Call Now: 855-882-9568

Rate APR Term Point Payment
  • 3.875%
  • 4.000%
  • 3.990%
  • 4.125%
  • 4.250%
  • 4.375%
  • 4.078%
  • 4.164%
  • 4.123%
  • 4.176%
  • 4.238%
  • 4.331%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.500%
  • 1.125%
  • 0.125%
  • -0.625%
  • -1.000%
  • $964
  • $979
  • $978
  • $994
  • $1,008
  • $1,024

The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. More Info.. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

Delaware Rate Map

Our Delaware Rate Map shows the mortgage rates borrowers have been getting in different parts of the state. Each “balloon” represents a single mortgage loan where the borrower has chosen to discretely share their loan information.

Clicking on individual markers lets you see the mortgage rates other Delaware borrowers have been able to get with different credit scores, loan-to-value ratios, loan amounts and other factors. The list of options at left can be used to narrow down your choices.

Like to join in? If you recently obtained or refinanced a mortgage and would like to share your rate information anonymously, just click on “Share Your Rate” above the map and fill out the boxes indicated. Your fellow borrowers will appreciate it!

NOTE: MortgageLoan.com cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

Mortgageloan.com guides you through this process with informative articles, advertised mortgage loan rates, a thorough Delaware broker directory, online no-obligation rate request capability, and the full complement of mortgage calculators.

Conforming Mortgages

Knowing the difference between a conforming and non-conforming mortgage can save you money. To start at the beginning, there are two federally chartered agencies that provide liquidity to the U.S. mortgage industry, Fannie Mae and Freddie Mac. This liquidity is largely intended to support the homeownership goals of low- to middle-income families. Conforming mortgage criteria ensure that these target families benefit from Fannie Mae and Freddie Mac activities. Since these two agencies don't support non-conforming mortgages, rates on those loans will be higher. The conforming criteria include a maximum loan amount, minimum documentation requirements, plus a maximum borrower debt-to-income ratio. The maximum loan amount is reviewed and reset annually by the Office of Federal Housing Enterprise Oversight (OFHEO). Any loan in excess of this maximum is considered a jumbo mortgage.

Second Mortgages

A second mortgage is a loan taken out on property that already secures another mortgage. Funds available to you through a second mortgage depend on the value of the home, and the outstanding balance on your first mortgage. Interest rates on second mortgages are higher than first mortgage rates, but often, the closing costs are relatively low. Common uses for second mortgages include home improvement, debt consolidation, college tuition, and business start-up costs. As with a first mortgage, if you don't make the scheduled payments, your second mortgage lender can foreclose. A second mortgage can either be a fixed-rate home equity loan or a variable rate home equity line of credit (HELOC).

Compare Delaware Mortgages

Before you begin requesting mortgage loan quotes from Delaware lenders, do some preliminary comparisons. You have many home financing options, from home equity lines of credit to 40-year fixed-rate mortgages. It might take some research to determine which mortgage type is best for you. Mortgageloan.com's articles, mortgage calculators, and interest rate tables should give you the background information that you need. Then you can request a personalized quote, or take your questions directly to qualified lenders in your area. See the Delaware broker directory for contact information.

Once you receive written mortgage offers, analyze them with Mortgageloan.com's mortgage calculators. There's no reason not to, because the calculators are free and require no specialized knowledge to use. They can run the numbers on virtually every aspect of your mortgage, from comparing fixed-rate loans to adjustables, to estimating your mortgage tax savings. Go through this process and you'll quickly see which mortgage offer is the most beneficial.