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Finding The Absolute Lowest Interest Rate

Where Do You Find The Lowest Interest Rate On Offer Today? Many factors play roles in determining home loan interest rates. Some of these things are structural and economic, and others are because of the terms that you accept when you take out a new home loan. The Prime Interest Rate The prime rate is the lowest […]

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Get Ready For The Bump When Your ARM Adjusts!

The Day Has Arrived That day that you thought was far off in the future when you signed for your adjustable rate mortgage has come. Yes, it’s time for your interest rate to adjust and you don’t know what to expect. Perhaps you secured a low initial rate by going with the ARM or you planned […]

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Why Shorter Terms Pay Lower Interest Rates And Other Interesting Facts

Where is the logic in the way that lenders choose interest rates? Why are fifteen-year home loans cheaper than thirty-year mortgages? To understand how banks and finance companies set prices you have to look at it from their perspective, the point of view of the people who are lending the money. They are in it to […]

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Fed Reserve Basics: What is the Federal Reserve?

The question ‘What is the Federal Reserve?’ has been asked countless times by countless news watchers and home owners that are trying to understand how the FED affects mortgage rates and finance in general.  Known as the Fed, this body is the independent central bank of the United States. So why all the uncertainty? Most […]

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Employment Data and Mortgage Rates: The Connection Between Them

Employment data and mortgage rates are intimately connected. This is partially because the Federal Reserve must maintain conditions that favor as high a level of employment as possible but must also contain inflation. These are not compatible with each other. The Federal Reserve and Discount Rates Each month, the Bureau of Labor Statistics publishes an […]

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How Mortgage Rates Are Affected by Mortgage Backed Securities

Mortgage rates are affected by mortgage backed securities, usually when the money supply significantly increases or reduces. It is important to distinguish between mortgage rates and the Federal Reserve interest rate, also known as the Discount Rate.  While the two tend to go hand in hand over the longer term, short-term variations can occur. We […]

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Should I Lock My Mortgage Rate Now?

A very common question for any consumer that might be considering refinancing an existing home loan or purchasing a new home is “Should I lock my mortgage rate?”. This is a very important question and the answer can seemingly change from day to day, depending on what is going on in the markets. Your specific […]

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Mortgage Rates Hit New Lows, Yet Again!

The first half of this week has seen mortgage rates hit new all time historical lows, yet again. The last few months have seen deteriorating conditions in the US Economic and European Outlooks create unprecedented downward on mortgage rates, resulting in this historic move downward. Where Are Mortgage Rates Now? Mortgage rates can change many […]

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May 23, 2012: Where Are Mortgage Rates Now?

Today has been a quiet day on the mortgage front. There isn’t a whole lot of economic news being released this week and the New Home Sales data that was released today didn’t have much impact on mortgage rates, which have improved slightly, regaining fractional losses that occurred yesterday. The market is waiting for Jobless […]

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Mortgage Rates Move Down on Jobs Report Data

The Bureau of Labor Statistics released the Non-Farm Payrolls report (otherwise known as the “jobs report”) this morning. The numbers significantly disappointed the market, which is driving mortgage rates down. There is a possibility that mortgage rates could make up any ground they lost last week as they move downward. Non-Farm Payrolls Data Disappoints The jobs […]

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Mortgage Rates