Philadelphia's best mortgage rates are all below 4% this winter

Here are my selections for the top deals on home loans in the Philadelphia area.

They offer the most favorable combination of low mortgage rates and reasonable fees.

You'll 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 up-front costs and keep monthly payments low.

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

Our research provides real-time, accurate data on loans in Philadelphia, across Pennsylvania 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 home loan calculator or adjustable-rate calculator.

See if you can beat these deals.

Philadelphia Mortgage Rates

Lender 30-year fixed 15-year fixed 5-year ARM
Mortgage Capital Associates 3.750% 3.250% 2.500% 3.750% 3.000% 2.500%
Pleasant Valley Home Mortgage 3.875% 3.250% 2.625%
The Money Store 3.875% 3.250% 3.000%
Loan Depot 3.875% 3.250% 2.875%
BNC National Bank 3.875% 3.250% 2.875%
Integrity First 3.875% 3.250% 2.875%
Gold Star 3.875% 3.250% 3.000%

Remember that rates change daily.

These quotes are from the end of the business day on Dec. 23, 2011, to borrow $210,000 for the purchase of a home with a 20% down payment.

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