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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.

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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.

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.

Adjustable rates carry more risk than fixed rates as they are suspect to change as the loan term moves along. After adjustment periods of three, five or ten years, the mortgage rate will increase or decrease according to a predetermined interest rate index. Some indexes are less stable than other indexes and it is good to research your index in order to take this into consideration. The increased risk that comes along with adjustable rates, is lessened by a rate cap that keeps the mortgage rate from rising beyond a certain point regardless of the activity of indexes. Also, adjustable rate loan usually begin with low introductory rates. If mortgage rates fall substantially, a homeowner with an adjustable rate would be able to feel the beneficial effects of such a drop, while a homeowner with a fixed rate would have to refinance in order to do so.


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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… Reverse mortgages are a less known option in the lending industry used primarily by the elderly. A reverse mortgage allows the borrower to take equity out of the home treating it as a nest egg for their retirement… Home improvement or home additions can be financed with the help of a mortgage broker professional at great rates and add to the value and livability of your home. Get a low interest loan and build your dream kitchen or living room today…
Refinancing loans are a frequent occurance years down the road after an original mortgage is required. Borrower needs change as do the rates in the market. If you are considering refinancing get up to four free quotes from Expo Financial first… Mortgages are the largest monthly payments most all of us make throughout our lives. While it is a joy to go from renting to owning we still want to get the best rate possible and understanding all of our options before taking the plunge…

A bad credit mortgage is usually an adjustable rate mortgage arranged by a mortgage broker specialized in getting banks to back loans for those with bad credit…

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