Baltimore's best mortgage rates include 30-year loans for 3.625%

Here are my selections for the best deals on home loans in the Baltimore area this winter.

As always, I'm looking for the most favorable combination of low mortgage rates and reasonable fees.

These offers require you to pay no points and loan origination fees of less than $2,000 -- exactly what anyone trying to buy or refinance a home should be looking for to control their upfront costs and keep monthly payments low.

Compare my picks with the best interest rates from other banks and finance companies in our database.

Our research provides real-time, accurate data on loans in Baltimore, across Maryland and throughout the country.

You can also determine what the monthly payments would be for the home loan you’re considering with our fixed-rate calculator or adjustable-rate calculator.

See if you can beat these deals.

Baltimore Mortgage Rates

Lender 30 year fixed 15 year fixed 5 year ARM
EverBank 3.625% 3.000% 2.500%
AimLoan.com 3.625% 3.000% 2.500%
Loan Depot 3.750% 3.000% 2.750%
Sentrix Financial Services 3.750% 3.250% 2.625%
Absolute Mortgage 3.750% 2.990% 2.250%
Total Mortgage 3.750% 3.250% 2.875%
Mortgage Capital Associates 3.750% 3.125% 2.500%
WCS Lending 3.750% 3.125% 2.625%
Credence Mortgage 3.750% 3.000% 3.000%
The Money Store 3.750% 3.125% 3.000%
National Mortgage Alliance 3.750% 3.000% 2.750%
BNC National Bank 3.750% 3.000% 2.625%

Remember that rates change daily.

These quotes are from the end of the business day on Feb. 8, 2012, to borrow $210,000 for the purchase of a home with a 20% down payment.

You can follow Interest.com on Twitter and Facebook.