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Current Mortgage Interest Rates

If you are looking into buying a new home, it can be helpful to understand interest rates and how they will impact you and your loan. Apply online to contact a lender about your mortgage and the type of interest rate that is right for you.

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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.

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.

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.


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  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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Current mortgage interest rates are determined by several indices such as: the prime rate, the U.S. Treasury Security Yield, the Federal Fund Rate, and the 11th District Cost of Funds rate… If you move frequently an interest only mortgage may suit your needs. You can get away with smaller monthly payments with the sacrifice of not building equity in a home you do not intend to stay in for very long anyway… The mortgage calculation offers available at Expo Financial include, mortgage amortization, debt consolidation and refinancing. Just enter the rate you hope for, your loan amount and let the mortgage calculator crank out your answers…
Even a rate drop as small as one percent can mean that mortgage rates have changed enough to make it time for another refinance if you plan on staying in your home for more than a few years… A mortgage amortization schedule is printed out with the results whenever you use our online mortgage payment calculator. This additional information shows you exactly how much interest you would pay each month based upon our loan estimate…

Todays interest rates are at lows that for good credit consumers beat most all other forms of credit when it comes to the rates you can get on a loan the size of a typical mortgage. For this reason, refinancing and debt consolidation business is booming…

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