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Current Mortgage Interest Rates

If you are interested in buying a new home you have probably been investigating current mortgage interest rates. Interest rates have been at a historic low, which has encouraged more and more people to take out loans or switch from renting to owning. If low rates have made you feel as though now is the time to buy a new home, filling out our free short form can help you contact up to four lenders about your low interest mortgage.

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Mortgage interest rates rise and fall every year, and there are many predictions that the low rates that have been available are about to rise. Banks and lenders base these predictions on the activities of indexes that are used to set interest rates and the best way to understand how your possible mortgage interest rate is to understand these indexes. Most indexes are published monthly or yearly and can often be found online.

There are several indexes that may affect your interest rate:

  • The prime rate is often given to a lenders most credit-worthy clients, such a corporations and large businesses. This rate is constant from bank to bank and remains very stable. Considered by many an indicator of the future direction of interest rates, changes in this index will often cause an identical reaction in the interest rates on consumer loans, such as car loans and credit cards.
  • The U.S. Treasury Security Yield is an average of the monthly of a one, three or five year U.S. Treasury security and is published yearly by the Federal Reserve Board. Adjustable rate mortgages are often set by this index.
  • The Federal Fund Rate, or the Fed Fund Rate, has a large impact on inflation and long-term interest rates. Set by the Federal Open Market Committee, changes in the Federal Fund rate can stimulate or slow down economic growth. This rate is used on funds that banks lend to each other over night.
  • The 11th District Cost of Funds generally follows the same pattern as a one-year U.S. Treasury security yield and, like the U.S. Treasury Security yield, is used to set rates for adjustable rate mortgages. This rate is comprised of a weighted average from the 11th Federal Home Loan Bank District, made up of California, Nevada and Arizona.

Current mortgage interest rates are important to consider no matter what type of loan you are considering. If you want a fixed rate loan, the rate that you lock in will be with you for the next fifteen to thirty years. If you have an adjustable rate loan, it will be important to understand how the above indexes will affect your loan and it could be in your best interest to research the index that your rate will be based on. Information on the history of these indexes and also on how they are established can usually be found online.


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Current mortgage interest rates are published monthly and yearly and can easily be found online. Various types of loans are indexed by different interest rate measures… Mobile home refinancing is every bit as trendy as home refinancing. Refinancing your mobile home is a great way to consolidate higher interest debts and even get cash back at signing. .. Mortgage refinancing means lower your interest rate to take advantage of changes in the market. But it can easily also mean “cash out” from home equity to make other big purchases in your life. Consider mortgage refinancing and all of its options in detail…
Looking for a free mortgage loan calculator? You have come to the right place, our calculator will estimate your monthly payments and provide you with a complete printable amortziation table showing your interest paid each month… The lowest mortgage rates on the market are obtained when you meet strict criteria laid out by lending institutions. A variety of factors beyond your credit history are taken into account to determine the relative risk of offering you a home loan…

An FHA loan has many forms such as reverse mortgages and energy efficient mortgages all aimed at making it easier to apply little money down on the purchase of a new home. The max loan amount is not determined by your income level only the monthly cost of the home…

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