Bank of America Mortgage Rates and Costs in Jacksonville — Verified Comparison

Compare Bank of America's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.

Last verified: November 1, 2026 · Freeman Douglas pricing pulled Sunday, November 1, 2026 at 1:22 PM ET

Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of Bank of America, N.A.. Bank of America information is third-party public advertising, reproduced here for consumer comparison.

VA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Bank of America

Checked November 1, 2026 — Bank of America publishes no rate for this product

No published rate available.

What do they have to hide?

Bank of America does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.

View Bank of America's own mortgage page ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.250%

Interest rate — 760 credit

APR: 6.408%

Monthly principal & interest$2,770.73

580 credit tier6.625% / 6.788% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$547,462

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

FHA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Bank of America

Checked November 1, 2026 — Bank of America publishes no rate for this product

No published rate available.

What do they have to hide?

Bank of America does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.

View Bank of America's own mortgage page ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.125%

Interest rate — 760 credit

APR: 7.010%

Monthly principal & interest$2,734.25

580 credit tier6.625% / 7.519% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$534,329

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

Conventional — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Bank of America

Bank of America's published posted 30-year fixed rate tracked October 27, 2026 (RateZip lender-posted rate archive); its sample pricing is built on a $200,000 loan

7.375%

Interest rate

APR: 7.631%

Monthly principal & interest (on their $200,000 example)$1,381.35

Discount pointsPoints vary by scenario; published examples have carried roughly 0.78 points

30-year interest (on their example)$297,286

View the bank's original published offer ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.750%

Interest rate — 760 credit

APR: 6.915%

Monthly principal & interest$2,918.69

620 credit tier7.250% / 7.433% APR — $3,069.79 P&I

Discount points0 — $0

30-year interest$600,729

LOWER PUBLISHED RATE — PRICED AT 0 POINTS

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

The Cost Difference, Labeled Honestly

On a $450,000 30-year fixed conventional loan at the published rates above: the monthly principal & interest difference is $189.35; five-year interest paid differs by $14,166 (remaining balances $425,246 vs $422,441); full-term interest differs by $68,165. Bank of America's published example also charges 0.78% in discount points ($1,560 on its example loan amount) where the Freeman Douglas price above charges 0 points. Each figure is labeled for what it is — a rate difference is not the same thing as total savings, and your own scenario decides your numbers.

This Is How Veterans Win

A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.

This Is How First-Time Buyers Win

A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.

Bank of America's Programs, Cited and Explained

Preferred Rewards relationship pricing (cited: bankofamerica.com)

Like Chase, Bank of America ties its best mortgage pricing to keeping deposit and investment balances with the bank. The better the balance, the better the price — your money has to sit with the lender to unlock the rate an independent broker quotes without the deposit.

Same program, or the same outcome, here: No balances to move and no relationship tier to climb: the Freeman Douglas column is a market price, available whether you bank with Bank of America or have never walked into one.

Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.

How This Comparison Is Built (Methodology)

Bank figures are taken from Bank of America's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.

Questions Borrowers Ask About Bank of America Mortgages

Does Bank of America publish its mortgage rates?

It publishes posted sample rates built on a $200,000 loan scenario and pushes borrowers to a personalized quote for real pricing. The tracked posted example above is dated; your own Loan Estimate is the document that matters.

Is a relationship discount the same as a market price?

No. A relationship discount lowers that bank's own price for holding your deposits. A broker's price starts from the wholesale market across many lenders — compare APR and lender charges on the same scenario.

Sources

Bank of America mortgage rates — posted examples checked November 1, 2026; tracked posted rate October 27, 2026 via RateZip

Have a Bank of America mortgage offer?

Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.

Compare My Mortgage Offer ↗Call Douglas: (904) 517-4049