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Mortgage Rates

A fixed mortgage rate is generally considered the most desirable because it remains constant throughout the term of the loan and gives a measure of financial security. Fixed mortgage rates make financial planning more reliable as the home owner knows the exact amount of his or her monthly payment from the first day of the loan to the last. Whether interest rates rise or fall in the future, a borrower with a fixed rate will not be affected.

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There are several indexes on which mortgage rates are based:

  • The Prime Rate is often given by lenders to corporations, large businesses and to the most credit-worthy applicants. This index is characterized by its stability, and it does not usually vary from bank to bank. Also, the Prime Rate can be used to predict future trends in rates. The direction of rates associated with consumer loans often follows the lead of this index.
  • U.S. Treasury Security Yields is published yearly by the Federal Reserve Board and is one of the indexes used to decide adjustable mortgage rates. This index is comprised of an average of monthly rates during the length of a one year U.S. Treasury security.
  • The 11th District Cost of Funds is also often used to determine adjustable mortgage rate, and it generally rises and falls along with the average of a one-year U.S. Treasury security. The 11th Federal Home Loan Bank District publishes a weighted average mortgage rate monthly. The 11th District Cost of Funds uses the states of California, Nevada and Arizona to calculate this weighted average.

Understanding mortgage rates and their indexes will allow you to make an educated choice when taking on a loan. Apply online to take advantage of low mortgage rates and contact up to four lenders about your new mortgage.

Mortgages rates have been prompting many people to look into taking on a new loan. Securing a low interest rate for your loan will save hundreds and thousands of dollars. The best way to ensure that your loan is as good as it appears it to look into mortgage rates and the indexes on which these rates are based. Find out more about mortgage rates, then fill out our free short form to contact up to four lenders about your loan.


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Mortgage rates have been at historic lows for some time now and are already beginning to rise. Find out if now is the right time to refinance by talking to a mortgage broker after applying through our site… Refinancing is a great option for a variety of reasons. If you plan on staying in your home for a few years you will easily break even on your refinancing costs if you are lowering your rates by a percentage or two… Bad credit loans are available for people with poor credit ratings or prior bankruptcy. You may qualify for an adjustable rate mortgage at low rates with the help of one of our qualified mortgage professionals…
Our mortgage calculators provid three basic estimatation services. Debt consolidation loans, monthly payment with amortziation tables, and refinancing break even date calculations… 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…

Home equity lanes are an increasingly popular form of loan for home owners to finance purchases. Expo Financial can connect you with as many as four competitive interest rate quotes from qualified mortgage professionals in your area…

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