Here at Peak Personal Finance, we’re continuing our look at regional rates to find the best home mortgage rates for you.  Today, we’re looking at the best home loans in Delaware and what is offered to help you, whether you’re looking for a home there or are moving into the region.

These loans assume an amount commensurate with the local area’s prices, a credit score of at least 700 (FICO), up to 20% down in equity or cash, and cash on hand to pay fees associated (listed here as either fixed or by points).

For a 30 year fixed, the best home mortgage rates in Delaware are at AimLoan with a 4.894% APR or a 5.037% APR with 1.85 or 0.621 points (respectively) and additional fees of $1,995.  The money store offers a 5.053% APR with a fixed $995 fee, however, that may be more attractive.  Don’t overlook Credence Mortgage with a 5.126% APR and a low $695 fixed fee.

A 15-year fixed mortgage might have the best mortgage rates in Delaware being at Credence Mortgage with a 4.463% APR and 1 point plus $695 in fees.  The Money Store has a 4.549% APR and one point in fees as well.  AimLoan has a 4.617% APR and 1.218 in fees plus $1,995 in possible fees (depending on circumstance).  For lower credit, check Bank of America with a 4.682% APR and 2 points in fees.

Those looking to get an adjustable rate mortgage (ARM) will be interested in AimLoan with a 3.816% APR and 1.208 points in fees plus $1,995 fixed fees.  Those points can reduce to 0 for a 3.895% APR with the same fixed fees.  Credence Mortgage has a good offer at 3.919% APR and $695 in fixed fees, however.

All of these are illustrations, of course, and your circumstances will likely vary from what’s here.