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Current Mortgage Interest Rates

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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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.

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.

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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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… Home equity is the amount of the value of your home that you own, meaning what you have already paid for. Home equity loans are a great way to take advantage of this equity to finance other large purchases such as home improvements or the purchase of a second home… Try our free amortization calculator to estimate a payment schedule on a new home loan. Print your loan payments broken down into interest and principal for up to 30 years…
Mortgages calculator features will allow you to estimate your monthly payments on a new home loan, figure your break-even date for a refinance, and also estimate your monthly payments on a debt consolidation loan… Explore home equity loanes options with a mortgage broker professional with the help of Expo Financial’s lending network. Get up to four competitive loan offers for your home equity loan and get the best rates the market affords…

Equity loans can be taken out to get cash for a large purchase or to simply consolidate and pay off higher interest debts from credit cards or other debts. Expo Financial can get you up to four competitive quotes to get you the best rates possible…

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