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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.

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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 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.

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.

 


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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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Getting the lowest mortgage rate possible depends on an array of factors that a lender will take into consideration. Among them are your credit score, your debt to income ratio, and your employement status and annual income… An amortization chart can show you the entire list of payments you will make over the life of a loan in a printer friendly form. On an amortization chart you will see your payments broken down into principal and interest paid each month… Shopping around for a mortgage requires all of the mortgages advice one can get. Expo Financial can supply you with as many as four mortgage quotes from competing brokers so you can simply pick the best offer as they compete for your business…
FHA loans are a great option for purchasing with very little or no money down on a new home. Expo Financial can put as many as four competitive rate quotes in your hand with one simple application, apply online today… Calculators on our website provide a variety of real estate mortgage calculations such as refinancing, debt consolidation and mortgage payment calculations…

Home equity is the value in your home that you have already paid down in your monthly payments ( minus interest ). Your home equity can be used to take out another low interest loan to finance a large purchases or pay for an unexpected need. Get up to four competitive rate quotes today…

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