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Mortgage Interest Rates

Mortgage interest rates vary from year to year, but there is a consensus that the all time lows that have been seen for the past few years can not hold. Predictions of rising rates are leading many to believe that now is the best time to refinancing or to lock in a loan with a low rate. The best way to understand how true this may be is to understand more about mortgage interest rates. A lot of information on interest rates and the indexes that dictate there rise and fall that can be found online, or you could contact a lender to see what kind of interest rate you qualify for. Fill out our free short form to contact up to four lenders about interest rates for your new mortgage.

Apply online to contact up to four lenders about your new mortgage and interest rate.

Second Mortgages allow you to borrow up to 125% the value of your current home. Second mortgages are a great choice in the current economy for two reasons: More cash on hand allows for more flexibility for situations that arise. Interest rates are at a historical 30 year low.

There are many indexes that can influence your interest rates:

  • Prime Rate is published by the Wall Street Journal and is used for corporations, large business and other parties with extremely good credit. This rate is one of the most stable and, for the most part, does not vary from bank to bank. Since it is often used to predict the rise or fall of rates, when the prime rate changes it is likely that consumer loans will follow its lead and so this is a good index to study.
  • U.S. Treasury Security Yield is the average of monthly rates of a one, three or five year U.S. Treasury security. Many adjustable rate mortgages are set by the average rate of this index. If you are interested in finding more information on this index, an average of the monthly rates is published annually by the Federal Reserve Board.
  • Federal Funds Rate is most often referred to as the Fed Fund Rate. This index is set by the Federal Open Market Committee and is used by banks to set the rate on funds that are loaned from one bank to another overnight. This index is used to stimulate economic growth. Changes in the Federal Funds rate effect inflation and economic stability. The Federal Open Market Committee has to seriously consider the consequences of any changes in this rate. If it was set too high, it could have the potential to choke economic growth. Long-term interest rates are greatly effected by this index.
  • The 11th District Cost of Funds can be used for adjustable rate mortgages. Generally parallel to the one-year U.S. Treasury Yields, this index is reported monthly.

 


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Mortgage interest rates are at historical lows and borrowers are taking advantage by refinancing time and time again in the past few years. If your mortgage interest rate doesn’t beat 5% get a free quote on your first or second refinance… Home equity loans are second mortgages that are based on the equity or value of your home, which can be determined by subtracting your mortgage from the total value of your home as listed by current market prices… Amortization is the gradual elimination of your loan debt as you make payments. Each of your payments consists of both interest and principal paid towards your loan balance. Over the life of your loan you will pay more and more principal each month and less and less interest…
A mortgage lender is chosen by your mortgage broker to finance your loan. An experienced mortgage broker has strong working relations with a lender to provide you the best rates for your lending needs… Equity loans are a popular method of using home equity to capture today’s low interest rates for making large purchases or investments. Get a lower interest rate than your first home loan for up to the entire value of your present home…

Our mortgage calculators provid three basic estimatation services. Debt consolidation loans, monthly payment with amortziation tables, and refinancing break even date calculations…

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