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  1. No more than three Fixed-Rate Loan Options may be open at one time. Rates for the Fixed-Rate Loan Option are typically higher than variable rates on the HELOC. Learn the steps, benefits, and considerations of the home buying and loan process. Explore mortgage, refinance and home equity options.

  2. Learn more about your mortgage refinancing options, view today's rates and use our refinance calculator to help find the right loan for you.

  3. Today's competitive refinance rates †. View current refinance rates for fixed-rate and adjustable-rate mortgages, and get a custom rate. Rates based on a $200,000 loan in ZIP code 95464. Home value* $.

  4. Determine what you could pay each month by using this mortgage calculator to calculate estimated monthly payments and rate options for a variety of loan terms. Get a breakdown of estimated costs including property taxes, insurance and PMI.

  5. Refinancing to a fixed-rate mortgage is a good choice if you: Think interest rates could rise in the next few years and you want to keep the current rate. Plan to stay in your home for many years. Prefer the stability of a fixed principal and interest payment that doesn't change.

  6. Compare adjustable-rate mortgage options and rates, including 5y/6m, 7y/6m and 10y/6m ARMs available from Bank of America. With an adjustable-rate mortgage (ARM), your interest rate may change periodically.

  7. Compare current mortgage rates across a variety of mortgage products from Bank of America. Apply for a mortgage today.

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