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Mortgage Rate

There are several indexes on which mortgage rates are based:

  • The Prime Rate is used by lenders for corporations and for their credit-worthy applicants. It is very stable and tends not to differ from bank to bank. The Prime Rate is used to predict the direction of rates, and the activity of consumer loans often follows that of this index.
  • U.S. Treasury Security Yields is an average of monthly rates during the length of a one year U.S. Treasury security that is often used to set adjustable rate mortgage and is published yearly by the Federal Reserve Board.
  • The 11th District Cost of Funds is also used to set adjustable rate mortgages and will often follow the same direction as the average of a one-year U.S. Treasury security. Monthly, the 11th Federal Home Loan Bank District, which includes California, Nevada and Arizona, publishes its weighted average mortgage rate for the prior month.
  • Federal Funds Rate is set by the Federal Open Market Committee and is the mortgage rate on funds one bank lends to another overnight. This index affects inflation and economic growth, and is decided on by the Federal Open Market Committee.

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Your mortgage rate is perhaps the most important factor of your loan and can often decide whether or not you will be happy with your loan in the long run. Current mortgage rates are widely considered to be remarkably low and locking in a low mortgage rate can save you money.

It can be very helpful to understand mortgage rates and indexes if you are interested in finding a loan, especially if you are looking in to adjustable rate loans. Apply online today and contact a lender about current mortgage rates and the effect they will have on your loan.

There are many different components to understand when you are trying to find the right loan. How long of a repayment period do you want? Do you qualify for a fixed rate? Is an adjustable rate better suited to your needs? Understanding the factors that create your loan can take the stress out of the decision making process and keep you from taking terms will eventually cost you money. Fill out our free short form to contact up to four lenders about your loan.

 


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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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  Home Lending Resources
Lenders offer all different kind of mortgage rates. Most home mortgages are either fixed or a adjustable rates for 15 or 30 year terms. To get the best rate on your mortgage you may need to shop around for a while… Mortgage loans have all levels of advertised rates but you will have no clue what your credit and income can afford you for a house until you consult a mortgage professional to get you an idea. It takes careful planning with your real estate agent to pick a mortgage loan that covers your costs… Qualify for a fixed or adjustable loan even if you have bad credit. Even if you are coping with a prior bankruptcy it is possible for our brokers to finance the purchase of your new home…
Refinance while you can still get market low rates. Many home owners choose to refinance and switch their loan term or interest rate terms at the same time. Taking cash out is another popular option for refinancers… Small changes in mortgage rates can result in significant incentives for refinancing or using the equity in your home to take out a loan for home improvements or college expenses…

A mortgage refinancing company specializes in helping you to best take advantage of interest rates that have lowered since the time you got your first mortgage. You can also “cash out” using your home equity to borrow additional money at a low rate of interest…

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