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Lowest Mortgage Rates

Mortgage rates are at historical lows this year. In the last five years mortgage brokerages have seen a boon for people refinancing and buying new homes. But home value appreciation has exceeded inflation and homes are also more expensive than they have ever been before. For this reason it is especially important now to shop around for the lowest mortgage rates you can get.

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.

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 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.

 


  Home Lending Services
  • Expert lenders compete for your busines with low rates and great loan terms
  • 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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Mortgages : Mortgage Loans : Home Loans

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   Want cash and a lower interest rate or monthly payment?
   Refinance again or for the first time and get cash back!
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Yes – Free, No Obligation Debt Consolidation Quote

Mobile Home / Manufactured Home Refinancing – must apply here instead
That’s It! >>    
  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… Combine debts into simpler smaller monthly payments and get cash back with a Debt Consolidation. Debt consolidation loans are a great way to simplify your finances and make your monthly bills more easy to pay… VA Home loans offer advantages to our veterans by lowering the cost of getting a mortgage with a ceiling value of $240,000. A VA Home loan can be used to build a home or even for an energy efficient home improvement…
Mortgages lenders offer a wide variety of loan types. Our qualified brokers do an excellent job of proposing to you the best and most affordable plan that suits your borrowing needs… Private lenders as a whole fill a niche in the lending world for what are often called “hard money loans.” These loans require financing quickly and are provided to individuals with prior bankruptcies that can prove financial stability…

Mortgage amortization schedules provide a visual layout for the amount of interest that will be paid on your loan every month. This amount will decrease over time as you build more equity in your home by paying down your mortgage balance…

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