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Get the Best Rate on Your Home Mortgage Loan


Home mortgage interest rates hit record lows in 2004 and have remained at record lows as we go through 2005. It is possible today to get a thirty-year fixed rate home mortgage loan for under five percent, and an adjustable rate mortgage can be found for under four percent if you look hard enough!

However, record low mortgage rates do not mean that you should take the first mortgage offer made to you, even if it sounds low. On the contrary, it means that shopping around for the best mortgage possible may be even more beneficial then during a high market period.

If you solicit mortgage rate quotes from enough lenders and pay attention to economic news, you might be able to secure a home mortgage loan at an interest rate that you will not see offered again in your lifetime.

Solicit Several Mortgage Rate Quotes

In order to get the best deal on anything in America, it is important to shop around. Securing a home mortgage loan or a and 2nd mortgage is no exception to the rule. If you are the type of consumer who likes to walk into the first store that you see and buy what you need without comparing your options, then you might also be inclined to accept the first home mortgage loan offered to you.

Doing so would be a big mistake. Unless you have a long term established relationship with a lender who considers you one of his best customers and is willing to loan money to you at the prime interest rate, then in order to get the best possible home mortgage loan you will need to "shop" and compare lenders.

Because the home mortgage rate is so volatile right now, it often changes during the course of one business day. Therefore, it is best to solicit all of your mortgage rate quotes on the same day. Compare offers from various lenders, and request a rate lock from the lender offering the best choice.

Why the Home Mortgage Interest Rate Matters So Much

The interest rate that you secure your home mortgage loan at will have a big impact on the total amount that you end up paying for your home by the time the loan is paid in full.

To illustrate this, let's say that you buy a home for $150,000 using a 30 year fixed mortgage with a 6 percent interest rate. By the time the home mortgage is paid in full it will have ended up costing you almost three times the original cost of the home. Using the same home and the same 30 year fixed mortgage, but lowering the interest rate by only one percentage point, down to a 5 percent interest rate, will save you approximately $100,000 over the life of the home mortgage loan.

Clearly, getting the best possible interest rate on your home mortgage loan is one of the most important economic decisions you will face. Since mortgage rates are at an all time loan, now is a great time to gather some home mortgage rate quotes!

Copyright 2005 Tracy Price

Tracy Price is a staff writer at http://www.2nd-mortgage-tips.com Providing free educational information on mortgages, 2nd mortgages, home refinancing, etc...


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Tue. April / 23 / 2019


Mortgage rates are low. Here's how to figure out if you should refinance  NBCNews.com

Low mortgage rates have many people thinking about buying a new home or refinancing their current mortgage.


Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand. Mortgage application volume fell ...


Homeowners are rushing to refi mortgages as rates drop  The Real Deal

Homeowners throughout the country are looking to refinance their mortgages thanks to lower borrowing costs, contributing to a sharp government bond rally.


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance mortgage rate eases for Monday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for you if you're in the market for a home loan.


5 million homeowners suddenly "in the money" to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Millions of homeowners could now save each month on their mortgage payments, according to a new report. That's because they're suddenly “in the money” to ...


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Refinance mortgage rate dips for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate declined. See what that means for you if you're in the market for a home loan.


Refinance rates move higher for Wednesday  Bankrate.com

Multiple key refinance rates notched higher today. See what that means for your refinance.


Refinance mortgage rate slides for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're in the market for a mortgage, see what that means for you.


Liz Weston: How debt 'solutions' could dig you in deeper  GoDanRiver.com

Americans are slipping ever deeper into hock. To cope, many people turn to debt consolidation loans, cash-out mortgage refinancing and retirement plan loans ...


Refinance rates rise for Friday  Bankrate.com

Multiple closely watched refinance rates notched higher today. See what that means for you if you're in the market for a home loan.


Here's how many borrowers should refinance after the recent drop in mortgage rates  HousingWire

Mortgage rates fell 22 basis points last week to 4.06%, an event that will likely be a gamechanger for the refinance market. According to the latest report from ...


Refinance rates decline for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. See what that means for you if you're in the market for a home loan.


Refinance mortgage rate drops for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a refi, see how that could affect you.


As mortgage rates drop, originations in refi territory could double  National Mortgage News

If mortgage rates fall below 4%, it could more than double the dollar volume of agency mortgages exposed to refinancing incentive, analysts at Keefe, Bruyette ...


Weekly mortgage applications for homebuyers hit highest level in 9 years  CNBC

Two weeks of rising rates are taking their toll on homeowners hoping to refinance, but homebuyers are not pulling back. Mortgage applications to purchase a ...


Refinance rates dip for Monday  Bankrate.com

Several benchmark refinance rates were down today. If you're in the market for a home loan, see what that means for you.


Weston: How debt 'solutions' could dig you in deeper  DeKalb Daily Chronicle

Americans are slipping ever deeper into hock. To cope, many people turn to debt consolidation loans, cash-out mortgage refinancing and retirement plan loans ...


Mini refinancing boom is a boost for lenders  The Real Deal

There has been a mini surge in mortgage and refinancing applications spurred by falling mortgage rates, the Wall Street Journal reports.


Refinance rates rise for Thursday  Bankrate.com

Multiple closely watched refinance rates trended upward today. If you're in the market for a refi, see how your future mortgage payments could be affected.


Quicken Loans will now let Vrbo hosts use rental income to refinance their mortgage  HousingWire

A little over a year ago, Airbnb partnered with some of the nation's largest mortgage players, including Fannie Mae and Quicken Loans, to allow hosts using the ...


Did you refinance your home mortgage last year? You can still qualify for often-overlooked deductions  MarketWatch

f you refinanced your home mortgage last year, you may be in line for some often-overlooked tax deductions on your yet-to-be-filed 2018 Form 1040.


Refinance rates move lower for Monday  Bankrate.com

Several benchmark refinance rates tapered off today. If you're shopping for a home loan, see what that means for you.


Refinance rates ratchet higher for Friday  Bankrate.com

Several closely watched refinance rates advanced today. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates ease for Thursday  Bankrate.com

Several closely watched refinance rates fell today. See what that means for your chances of getting a better mortgage rate.


Mortgage rates continue to nose-dive as 30-year fixed experiences biggest one-week drop in a decade  The Washington Post

Just a handful of months ago, mortgage rates were soaring. Now they are sinking. According to data released Thursday by Freddie Mac, the 30-year fixed-rate ...


Important mortgage rate dips for Tuesday  Bankrate.com

Mortgage rates diverged today, but one key rate declined. See what that means for you if you're in the market for a mortgage.


Lower Mortgage Rates No Relief For U.S. Home Sales  Seeking Alpha

Across the US, sales of existing homes in March dropped 5.4% from March last year to a seasonally adjusted annual rate of 5.21 million homes, according to the ...


Refinance rates trend higher for Wednesday  Bankrate.com

Several closely watched refinance rates notched higher today. If you're in the market for a home loan, see what that means for you.


Mortgage rates drop for Tuesday  Bankrate.com

Multiple key mortgage rates were down today. If you're shopping for a mortgage, see what that means for you.


Refinance rates slide for Friday  Bankrate.com

Several key refinance rates decreased today. See what that means for you if you're in the market for a mortgage.


Mortgage rates up for Friday  Bankrate.com

Multiple benchmark mortgage rates climbed today. If you're shopping for a mortgage, see what that means for you.


Refinance rates trend higher for Monday  Bankrate.com

Several key refinance rates floated higher today. See what that means for you if you're in the market for a home loan.


Homebuying power on the rise thanks to low rates and high incomes | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

American homebuying power has reached its second-highest point in the last 20 years. According to a new analysis, the average buyer can now afford a home ...


Fannie Mae High Loan-To-Value Refinance Option (HLRO) Guildelines, Rates, and Eligibility for 2019  The Mortgage Reports

The new Fannie Mae High LTV Refinance Option allows homeowners to refinance into today's low rates even if they little or no home equity. No appraisal is ...


Refinance rates tick lower for Friday  Bankrate.com

Multiple closely watched refinance rates slid lower today. Nationwide averages for 30-year fixed and 15-year fixed refinances both tapered off. Meanwhile, the ...


U.S. mortgage rates continue 3-week climb  Dayton Business Journal

U.S. mortgage rates continue their three-week climb.


Facing retirement with parent student loans? Transfer them to the kids  Los Angeles Times

It's not wise to use retirement funds to pay down student loans taken out on behalf of your children. Consider refinancing the debt so that the graduate can take ...


Refinance rates drop for Saturday  Bankrate.com

Several key refinance rates sunk lower today. If you're shopping for a refi, see how your payments might be affected.


Mortgage rates today, April 2, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose again yesterday, as we predicted. However, they moved up much more sharply than expected. It was a bad day. Markets yesterday ...


Mortgage rates taper off for Friday  Bankrate.com

Several benchmark mortgage rates dropped today. See what that means for you if you're in the market for a mortgage.


Are 3% mortgage rates in our future? For some, they are already here | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Three percent mortgage rates are a real possibility in 2019, and in fact, already here for some borrowers, according to The Mortgage Reports daily survey.


Mortgage Rates Continue to Fall – Market Update  Zing! Blog by Quicken Loans

Those in the market for a mortgage got a gift from the Federal Reserve last Wednesday. Unfortunately, the stock market wasn't nearly so happy.


I Got an Adjustable-Rate Mortgage and Wow, What a Ride!  Realtor.com News

I got an adjustable rate mortgage, or ARM—and here's how this decision impacted our finances over five, 10 years—and beyond.


A Growing Gap in Consumers' Awareness of Algorithmic Influence  Undark Magazine

Opinion | A digital literacy gap is widening between consumers who know how to opt out of the algorithmic curation of their personal data and those who don't.


Quicken Loans to allow short-term rental income for mortgage qualification  Mortgage Professional America

Quicken Loans has partnered with short-term rental company Vrbo to allow short-term rental income to be used to qualify for a mortgage refinance. Mortgages ...


More online mortgage shopping equals lower servicer retention rates  National Mortgage News

Consumers increasing their online shopping for homes and loans is a reason why mortgage servicers' retention rates haven't improved much since the ...


Train Your People To Think in Code – Brink – The Edge of Risk  BRINK

Most companies still equate doing analysis with writing formulas in spreadsheets. But the business landscape has shifted seismically since the invention of the ...


Mortgage rates today, March 26, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yesterday was another good day for average mortgage rates. As we predicted, they fell again, but nothing like as sharply as they did on Friday. Still, the ...


Washington Prime Group Announces Execution of $180M Non-Recourse Mortgage Note Secured by Waterford Lakes Town Center  GlobeNewswire

COLUMBUS, Ohio, April 22, 2019 (GLOBE NEWSWIRE) -- Washington Prime Group Inc. (NYSE: WPG) today announced that Waterford Lakes Town Center LLC ...


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Why the world’s biggest bond investor is dismissing the yield curve’s recession warning  MarketWatch

Pimco's chief investment officer says the U.S. is unlikely to see a recession this year.


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


No-income, no-asset mortgages are back (at one lender, at least)  HousingWire

Back in the Wild, Wild West era of mortgage lending before the housing crisis, NINJA loans (loans given to borrowers with no income, no job, and no assets ...


6 Benefits of a Good Credit Score  U.S. News & World Report

A good credit score can help you qualify for a new house, an increased credit limit on your credit card and be a great indicator to others that you are responsible ...


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Crunch time looming for interest-only borrowers | Business  The Times

A quarter of a million homeowners on riskier interest-only mortgages will face a refinancing crunch in five years' time, a specialist lender has warned.They will ...


The new digital divide is between people who opt out of algorithms and people who don't  Phys.Org

Every aspect of life can be guided by artificial intelligence algorithms – from choosing what route to take for your morning commute, to deciding whom to take on ...


Mortgage refinance applications hit 18-year low  CNBC

Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


OpEd: Affordable Housing Requires A New Shape For The Mortgage Industry  Africa.com

There are two essential parts to achieving affordable housing: building decent, low-cost homes, and developing a housing finance market that enables ...


Credit Score Needed to Buy a House: What Is the Cutoff?  INQUIRER.net

This article address steps and practices to make you think like a lender so you know were you and your credit score stand when considering buying a house.


Still haven’t refinanced your mortgage? You still have an opportunity to save big  Bankrate.com

Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ...


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


Cash-out mortgage refinancing: Here’s where homeowners are using it most  Bankrate.com

Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ...


Refinance rates slide for Tuesday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you.


Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...


How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ...


Justice Department Case Against Toms River Lawyer Falls Short of the Goal Line  Shore News Magazine

TRENTON-After a more than three-year-long investigation kicked off by the Obama era U.S. Justice Department against influential Republican powerbroker ...


How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ...


Refinance rates ease for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. If you're in the market for a mortgage, see what that means for you.


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


Refinance mortgage rates mixed for Tuesday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you.


Mortgage application increase led by higher refinance volume  National Mortgage News

Mortgage applications increased last week but unlike the prior period, it was driven by refinance volume as interest rates fell to a one-year low, according to the ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate fell. The average for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year fixed refinance ...


Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ...


My second mortgage rate is too high! What should I do? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If your second mortgage rate is too high, you have many options. The trick is to identify the best one. Here's how you can do that.


Current Mortgage Rates Hit 52-Week Low: How does the FED affect current mortgage rates?- Mon Apr 22 - Mortgage interest rates forecast, mortgage interest rates trend - News  TheOofy.com

The Federal Reserve announced that they have no plans of increasing current mortgage rates. Find here how it affect the housing industry.


Factors to weigh when considering whether to refinance your home  Washington Post

Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ...


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Freddie Mac Relief Refinance Program (FMERR) allows homeowners to refinance with little or no home equity. Home value dropped since you purchased?


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected.


New VA rules aimed at curbing predatory lending for cash-out mortgage refinances  Bankrate.com

An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ...


Refinance rates fall for Wednesday  Bankrate.com

Multiple key refinance rates ticked downward today. If you haven't locked a refi yet, see how that could affect you.


Refinance rates retreat for Monday  Bankrate.com

Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

Tapping the equity in your home to get cash can be a smart move, but only if the cash is used for the right purpose.


Weekly refinance demand plummets as mortgage rates hit a 5-week high  CNBC

A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


Ellie Mae: Millennials' interest in mortgage refinance spikes  HousingWire

In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ...


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Mortgage applications fall, as refinancing hits 20-year low  CNBC

A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


Refinance mortgage rate dips for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates tick higher for Tuesday  Bankrate.com

Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate.


Mortgage rates: Recognize this mortgage lender sales trick, and don't fall for it | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yes, there is a series of videos on YouTube instructing mortgage loan officers and brokers on how to limit competition and sell higher prices and mortgage rates.


With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.


Refinance mortgage rate falls for Friday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.


Refinance rates slide for Saturday  Bankrate.com

Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you.


Refinance mortgage rate falls for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. If you haven't locked a refinance yet, see how your payments might be affected.


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