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Interest Rates

It can be very helpful to understand interest rates and indexes if you are interested in finding a loan, especially if you are looking in to adjustable rate loans. Apply online today and contact a lender about current interest rates and the effect they will have on your loan.

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Your interest rate is perhaps the most important factor of your loan and can often decide whether or not you will be happy with your loan in the long run. Current interest rates are widely considered to be remarkably low and locking in a low interest rate can save you money.

There are many different components to understand when you are trying to find the right loan. How long of a repayment period do you want? Do you qualify for a fixed rate? Is an adjustable rate better suited to your needs? Understanding the factors that create your loan can take the stress out of the decision making process and keep you from taking terms will eventually cost you money. Fill out our free short form to contact up to four lenders about your loan.

There are several indexes on which interest rates are based:

  • The Prime Rate is used by lenders for corporations and for their credit-worthy applicants. It is very stable and tends not to differ from bank to bank. The Prime Rate is used to predict the direction of rates, and the activity of consumer loans often follows that of this index.
  • U.S. Treasury Security Yields is an average of monthly rates during the length of a one year U.S. Treasury security that is often used to set adjustable rate mortgage and is published yearly by the Federal Reserve Board.
  • The 11th District Cost of Funds is also used to set adjustable rate mortgages and will often follow the same direction as the average of a one-year U.S. Treasury security. Monthly, the 11th Federal Home Loan Bank District, which includes California, Nevada and Arizona, publishes its weighted average interest rate for the prior month.
  • Federal Funds Rate is set by the Federal Open Market Committee and is the interest rate on funds one bank lends to another overnight. This index affects inflation and economic growth, and is decided on by the Federal Open Market Committee.

 


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Interest rates are complicated and often times not understood by consumers. Our interest rates information pages will help you gain a firm understanding of rates before applying for your loan… Home mortgages are possible even if you have poor credit or prior bankruptcies. A qualified mortgage broker can help get a loan from a bank for you and tell you how much home you can reasonably afford and help you through the entire arduous process… Our free amortization calculator can instantly estimate your loan payments for the life of your 15 or 30 year home loan. Factor in extra monthly payments every year to see a decrease in your interest expenses…
Try one of our free loan calculators to estimate your monthly mortgage payments. If you are shopping around for interest rates you can apply and get as many as four quotes through Expo Financial. You can compare the rates in the calculations… Home equity lanes can help you get cash fast to finance large purchases. If you have a history of credit problems a home equity lane can also be easier to obtain and help you down the road to improving your credit…

Before taking on a mortgage you should consult an expert to determine how much home you can really afford. A mortgage broker can also help you determine the total interest you can expect to pay over the life of the mortgage…

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