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Lowest Mortgage Rates

Your mortgage rate will depend greatly upon your credit history but also upon other factors such as your debt to income ratio and how long you have been with your employer. If you are a first time home buyer the lowest mortgage rates you can expect are still going to be a little bit higher than others if you are not making a sizable down payment or paying points on your loan.

The lowest mortgage rate you can get for your loan will only be realized if you strike while the market is ripe for purchases. As recently as the early 80’s rates at more than twice today’s going rate were considered excellent. Buying a home is a big step away from renting that requires more financial stability. However building equity in your home can be invaluable for financing loans in the future and giving you the support you need to take care of your family.

To assess the lowest rate you can get on your mortgage a broker will run a credit check using your social security number and that of your co-borrowers typically your spouse. Another important factor in addition to your credit score is your debt to income ratio. Even if you have particularly good credit, if you are carrying a lot of debt your loan will be perceived as more risky by the lending institution and it may limit the amount you can borrow.

To get the lowest mortgage rate possible you will want to consider paying points on your mortgage. Points are typically equal to one percent of the total mortgage. By paying points you can get your interest rate lowered by as much as a couple percent. Typically this is not an option for first time homebuyers because it is difficult enough to come up with the money for a down payment.

 


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  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Mobile Home / Manufactured Home Refinancing – must apply here instead
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  Home Lending Resources
Lowest mortgage rates in years? Definitely, but how long will the rush last. Home value appreciation has also been great for many homeowners making it an even better time to buy and turn your first home purchase into an investment of your time and money… Bad credit mortgages are possible with the help of a qualified mortgage broker specialized in helping those of us with less than perfect or tarnished credit history. At today’s rates it has never been a better time to buy a home… Mortgage loans can be a complex process that a qualified mortgage broker can help to simplify for you. Not only do mortgage brokers handle paperwork but they also broker your interests to get you the best possible rate from the institution backing the loan…
This site provides a free mortgage amortization calculator to estimate your monthly payments and also split up your payments into principal and interest for your viewing pleasure. Contact our brokers to get a quote on your loan… Home equty loan refinancing is a refinancing loan that gets you money back at the same time. This cash back can be taken out at low interest rates thanks to the equity in your home. Even if you have refinanced lately, refinancing again may be a good idea if your current interest rate is more than 5%…

Refinancing homes is a process that can be done over the phone and with paper work through the mail. If your credit has improved or rates have dropped, you may qualify for a better interest rate than what you have on your first mortgage…

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