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Home Mortgage Rate Shopping - Why Some Shoppers Give Up And Others Don't


About 29% of current homeowners and a much larger percent of consumers with income levels above $50,000 feel it best to stay as far away from offers to finance or refinancing their home as possible. And this seemly for good reason. Trying to get a great deal on a mortgage loan or shopping for low rate refinancing can be a pain in the neck and a complete and total hassle for most of us. What's worse, when we think we've found a great offer we're made to feel like a heel when we start asking questions about rates, points and fees. But of course their making us feel like a heel is all a part of the game, right?

The fact is many large transactions make it to the closing table under duress, an urgent need to relocate or the pressure to relieve oneself of heavy debt obligations. Aside from these factors most of us just aren't motivated to make changes on a financial basis even if means risking sustaining our present way of life.

Ignorance Is Bliss Until... Often the real reason behind not being motivated to make major home improvements or lower ones mortgage rates to something more reasonable may very well be the bliss of ignorance. That is to say the bliss of simply not knowing how. Not knowing how to finding the right loan. Not knowing how to find the right lender. Not knowing how to lower ones rates or how to eliminate all the unnecessary red tape. Not knowing how to tell a predatory lender from a lender who actually has your best interest reflected in his closing documents. Not knowing how to accelerate the loan process. It's no wonder we don't know how to approach these issues, most of the news articles and periodical we read don't address these needs and issues with enough depth to achieve the desired results.

The sad thing is when we finally decided to look into doing something about it all we get fed is a bunch of hot air from folks who can't wait to get their grimy hands on our money or worse hour home. So we sit and we wait until the pretence that we are protecting our assets runs thin. While we wait and do nothing we are confronted with the fact that while everyone else's home is appreciating ours may actually be depreciating not to mention the need to address all the mounting credit card debt and those bills that seem to be piling up daily. Yes ignorance is bliss until the roof caves in or the termites take a bite out of that untreated deck.

Knowing Is The Best Motivator We must admit at some point in time that protecting our assets can be better accomplished when we know exactly who and what we're protecting them from in the first place. And that would be our creditors, the termites and above all ignorance itself.

Getting to know our financial situation better as well as our options for improvement may actually help us protect and maintain what we value most - our way of life.

From Borrower To Investor According to The Mortgage Loan Search Network, an online informational resource at www.bcpl.net/~ibcnet the key to protecting our assets is allowing their value to reach it's full potential. That is to say, when our money and other assets increase in value and start to make money we are in a better position to maintain what we've worked so hard to acquire.

That said, when one must opt for a home equity loan or cash out refinance loan in order to make necessary improvements in the home or invest in a business or pay college tuition costs the borrower in fact becomes an investor. The money borrowed is being used to bring in a greater return. With that in mind a site called LowMortgageRates at www.lowmortgagerates.cc. lists a number of ways to borrow cash, reduce mortgage rates while lowering mortgage payments, increasing ones home value and creating an income stream to offset debt and eventually eliminate most if not all debt over a shorter period of time.

Getting To The Bargaining Table Still the questions looms, how do you find the right loan, the right lender, lower your mortgage rates, eliminate unnecessary red tape, avert predatory lending schemes and accelerate the loan process? According to one mortgage rate shopping site much of this can be handled in the following ways:

1. Work with your current lender. All your loan documents are already on file accelerating the loan process.

2. Get recommendations of good, reputable, credible lenders from respected trusted sources such as family members, friends and co-workers.

3. Ask recommended lender for references from satisfied customers.

4. Get several low mortgage rate quotes using online tools.

The low mortgage rates network at www.lowmortgagerates.cc presents foolproof methods of screening lenders and getting the rates you want quickly and painlessly. For example, the site suggests that when you're ready to step over to your current lenders bargaining table bring along low mortgage rate offers from other lenders such as those found online. This will motivate your current lender to meet or beat your best offer.

Ignorance is only bliss until the unforeseen overtakes us. After that we either kick ourselves for not knowing or we smile warmly and proudly for having taken the time to learn how to protect our valued assets and way of life.

Mark Askew is the founder of the LowMortgageRates Network, a mortgage and home refinancing information resource for low mortgage rate shoppers located on the web at http://www.lowmortgagerates.cc


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Sun. September / 22 / 2019

What to know before refinancing your home loan  The Washington Post

Consider how many years remain on the loan you have and how much longer you will stay in your home.


Why You May Want to Refinance Now  Forbes

Mortgage rates are low and may go lower still. Is it a good time to refinance?


5 common myths about refinancing your mortgage  Bankrate.com

Millions of homeowners today are part of the refinance-worthy club, thanks to a major decline in interest rates. This means they stand to save money on their ...


80% Of 2018 Mortgages Could Save Big With A Refinance, Data Suggests  Forbes

If your mortgage was originated in 2018, then it might be time to consider a refinance. According to new data, 80% of mortgages from last year carry an interest ...


Millennials are needlessly missing out on refinancing their home mortgages  MarketWatch

The baby boomers are living up to their name. Many boomers are opting to refinance their mortgages, lowering their monthly payments, and ultimately saving ...


Is It Time to Refinance Your Mortgage? Here's How to Know  Yahoo Finance

Have you been paying attention to mortgage rates? They're the lowest in years, and they've fallen so far in a relatively short time that it might make sense to ...


5 Questions to Ask Your Mortgage Lender Before Refinancing Your Home  Realtor.com News

Before you jump in and start the refinancing process, here are some questions you should plan to ask your mortgage lender.


With mortgage rates down, the rush is on to refinance  Buffalo News

Low interest rates are driving mortgage refinancing to its highest level in about three years. So if you haven't yet refinanced, should you join the rush?


How a Mortgage Refinancing Wave Will Impact the Economy  Barron's

U.S. homeowners are among the unexpected beneficiaries of fears of slowing global growth that are contributing to a plunge in mortgage interest rates. A wave ...


Higher 30-year mortgage rates erode more borrowers' incentive to refi  National Mortgage News

The number of mortgage holders with refinancing potential dropped by 1.5 million as the average long-term rate for home loans continued to rise, according to ...


Mortgage rates today, September 20, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates edged down again yesterday, in line with our prediction. That makes three days of falling rates and one when they held steady in the ...


Mortgage demand from buyers jumps, just as interest rates spike  CNBC

Mortgage applications to purchase a home increased 6% for the week and were a strong 15% higher annually.


Is it time to refinance your mortgage?  KOMO News

Maybe you've noticed: The cost of borrowing money to buy a home is way down. Current rates on a 30-year fixed mortgage are well below 4%, down from above ...


Mortgage rates today, September 19, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell yesterday, as we predicted. A much sharper fall was curbed when the Federal Reserve included in its rate-cut statement information ...


Refinance your mortgage now or wait in a very, very long line  The Mortgage Reports

Refinance wait times are about to get very long. Lenders weren't prepared. Here's how to refinance without waiting 60 days or more.


How soon can I refinance? I just closed on my mortgage | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You've recently closed on your mortgage. But you see that mortgage interest rates have dropped. You're wondering: How soon can I refinance? Is it worth the ...


3 Reasons Why Now Is The Best Time To Refinance Your Mortgage  Forbes

Right now is as good a time as you may find to refinance your mortgage, whether for your home or a commercial property. In a piece titled “5 Reasons 2019 Is ...


Weekly mortgage refinances fall further, despite lower interest rates  CNBC

Interest rates resumed their retreat last week, but that did not boost mortgage demand. Mortgage application volume decreased 3.1% for the week.


Mortgage rates increase slightly, pumping the brakes on the refinance boom  MarketWatch

The real-estate market is especially rate-sensitive these days.


Mini refinance boom goes bust, as mortgage rates turn higher  CNBC

It didn't take much to end the party in the refinance market. A small tick higher in mortgage rates caused the sudden surge in refinances to retreat just as quickly.


People who bought homes in the past 2 years could see 'significant' savings by refinancing now  CNBC

The time is still right to refinance your mortgage, especially if you bought your home within the last two years, said Mortgage Bankers Association CEO Robert ...


This was the worst week for mortgage rates in 3 years – and it may be just the beginning  CNBC

The average rate on the 30-year fixed is now 20 basis points higher than it was on Monday and 36 basis points higher than its last low on Sept. 4, according to ...


Mortgage rates today, September 18, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady yesterday, as we predicted. After sustained and sharp rises last week, Monday's fall and that holding steady are a welcome ...


As mortgage rates hit the 3s, a record 11.7 million homeowners have become refinance-eligible | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates have dropped to new lows, putting a record number of homeowners "in the money" to refinance and cut their rates by at least 0.75%, says a new ...


Column: Five Reasons To Refinance Your House And Four Reasons Not To  Greenwich Sentinel

By Cheryl MacCluskey. Cheryl MacCluskey. Home loan interest rates appear to be hitting new lows almost daily. As you would expect the question being asked ...


Mortgage rates today, September 16, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose again on Friday, as we predicted. The day made a terrible week even worse. Recent rises are scary and worrying. But don't forget, ...


No 'floor' for mortgage rates: how low rates could actually go | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How low is too low for mortgage rates? It's a common assumption that mortgage rates can go only so low. In other words, there's a "floor" below which home.


Mortgage rates whipsaw after a divided Fed issues a rate cut: September 2019 Fed Meeting update | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Federal Reserve cuts its rate, but mortgage rates undecisive A highly debated move -- both in markets and within the Fed itself -- resulted in a 0.25%


Is it time to refi? Amid lower rates, lenders say homeowners are jumping to refinance  Allentown Morning Call

Mortgage bankers nationally and locally are reporting a jump in refinance applications as homeowners rush to take advantage of historically low mortgage ...


Mortgage rates today, September 17, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates dipped a little yesterday, as we predicted. It was a glimmer in a sea of gloom. Those rates have fallen only twice since Sept. 5, and both ...


How a 20-year home mortgage can save you a ton of money  Washington Post

TOWN SQUARE | Because of a shorter loan term and a lower interest rate, on a $280000 loan amount, a borrower can save approximately $85000 in interest ...


Mortgage rates today, September 11, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose yesterday, as we predicted. But they climbed higher than looked likely first thing. And recent rises have wiped out nearly a month's ...


Does it Make Sense to Refinance?  SavingAdvice.com

Federal interest rates have dropped for the second time this summer, and now I'm even more tempted to refinance. I crunched the numbers after the earlier price ...


Mortgage rates today, September 9, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates inched down on Friday, in line with our “unchanged or a little lower” prediction. That was a relief after Thursday's significant rise.


Mortgage rates today, August 30, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell again yesterday, confounding our prediction. The drop was similarly small to Wednesday's. However, it was enough to set a new low ...


Mortgage rates today, September 5, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell yet again yesterday. It's been an extraordinary 10 business days since the last rise. Mortgage News Daily traces recent unexpected ...


Refinancing your student loans with SoFi could save you money — and even help you get a better mortgage rate  Business Insider

SoFi can help you refinance your student loans at a lower interest rate. And, since it offers a host of other products, you can better rates on loans.


Slight increase in mortgage rates takes refi potential down a peg  National Mortgage News

A mere 7-basis-point increase in interest rates reduced what was a record-high number of borrowers with refinancing incentive by 2 million in a matter of days, ...


U.S. Mortgage-Refinancing Boom Wanes Even as 30-Year Rate Slides to 3-Year Low  TheStreet.com

Swings in global interest rates, partly a result of the U.S. trade tensions in China, appear to be holding back some would-be borrowers, a new report from the ...


Just Approved: Refinance-eligible borrower population hits record high  SFGate

Loan officer: Alex Greer, the Mortgage Outlet. Property type: Single-family residence in San Jose. Appraisal value: $1.1 million. Loan type: Streamline FHA ...


Mortgage rates today, September 3, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell yet again on Friday. (Markets were closed for Labor Day yesterday.) However, this time the drop was barely perceptible and your ...


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

Average mortgage rates moved lower on Friday, as we predicted. But the drop was only small, certainly compared with the turmoil seen in other markets.


Mortgage rates today, August 29, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell again yesterday, in line with our prediction. It wasn't a big drop. But it was enough to take the average back to a point adjacent to the ...


Baton Rouge home mortgage lenders see refinancing surge  The Advocate

Lower interest rates that have the power to reduce house payments are triggering a surge in mortgage refinancing activity and giving real estate agents hope ...


Apple cashes in on boom in debt refinancing. For Americans, especially homeowners, there's a message  CNBC

Blue-chip companies including Apple and Disney issued bonds this week in a $75 billion debt market stampede after big yield declines in August made debt ...


U.S Mortgage Rates Rally Supported by Housing Sector Data  Yahoo Finance

Mortgage rates were on the rise last week, as housing sector data impressed. Even a FED rate cut failed to pin back the surge…


FHA sets limits on cash-out refinancing  Washington Post

TOWN SQUARE | Beginning Sept. 1, FHA borrowers will now be limited to cash-out refinancing a maximum of 80 percent of their home value, down from 85 ...


Sep 19 | Free Seminar: Mortgage Refinance Tips | Joliet, IL  Patch.com

Your home is your biggest investment. The right mortgage can help you build equity and pay for things that you need for your family. Life changes quickly, and ...


Mortgage rates today, August 27, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady yesterday, in line with our prediction. Some lenders were very slightly lower and others higher by an equally insignificant ...


Fannie Mae: Cheap mortgage rates will push 2019 refinancings to three-year high  HousingWire

Fannie Mae released a forecast on Tuesday that has 30-year fixed mortgage rates falling to an average of 3.5% in the fourth quarter from 3.6% in the current ...


Gen Y is relying less on mom and dad for mortgage help  The Dallas Morning News

For years, the media has been telling us that millennials don't place a high priority on buying a home, that they are delaying homeownership and household...


Refinance Share Jumped in August as Rates Continued to Drop  Mortgageorb

The refinance share jumped to 43% in August as interest rates continued to dive, Ellie Mae's Origination Insight Report shows. That's up from 38% in July and ...


There are better times ahead for mortgage finance  American Banker

The mortgage industry's cycles of market and credit risk are a merry-go-round. The business tends to face the same risks over and over again, but these risks ...


Kiplinger's Personal Finance: Now is a good time to refinance your mortgage  Richmond.com

Mortgage rates have dropped to levels not seen since 2016, and homeowners are rushing to refinance.


Rates Move Lower for Eighth Consecutive Month, Driving Refis  Mortgage News Daily

Thirty-year mortgage loans closed in August carried an average interest rate of 4.07 percent according to Ellie Mae's Origination Insight Report. Rates were ...


Millennials drive mortgage refinance boom, and lenders are scrambling  CNBC

Mortgage interest rates have been falling since May, especially sharply this month, so borrowers, especially millennials, are rushing to refinance. Refinance ...


Consider a Mortgage Refinance, Even If You Bought Recently  NerdWallet

Refinancing a mortgage might be a good idea, even for homeowners who bought a home in 2018. Mortgage rates have fallen so far that millions of homeowners ...


Good time to refinance your mortgage?  Fox Business

The 30-year fixed mortgage rate recently reached its lowest levels since September 2017.


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


Mortgage rates are at a 3-year low—here are 3 questions to ask before you refinance  CNBC

Mortgages rates hit a three-year low on Friday, August 2, when the average rate on a 30-year fixed mortgage hit 3.70%, the lowest they've been since November ...


Refinancing For A Lower Mortgage Rate? It Might Be Harder Than You Think  Forbes

Mortgage refinances are surging thanks to low mortgage rates, which hit nearly three-year lows just last week.


Mortgage rates haven’t been this low since 2016 — here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


Survey: Expect the Fed to cut rates at least two more times over the next year  Bankrate.com

Experts polled for Bankrate's third-quarter Economic Indicator survey expect that the Fed will cut interest rates again at some point over the next year, but the ...


Cubs owners refinance Wrigley Field plaza, hotel  Crain's Chicago Business

The owners of the Chicago Cubs have locked up long-term financing on their massive redevelopment of the area outside Wrigley Field. A venture of the Ricketts ...


Refinance mortgage rates: 10 steps to get the best deal | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How do you get the best refinance mortgage rates? Plan ahead and have a strategy. Here's how to do it in today's low-rate mortgage marketplace.


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 ...


TRANSACTIONS: GCP Capital Group arranges $17550000 mortgage financing  Real Estate Weekly

GCP Capital Group arranged mortgage financing in the aggregate amount of $17,550,000 for the following properties: • $6,000,000 for a five-story mixed-use ...


As mortgage rates plunge, should you refinance?  Fox Business

Nearly 6 million people can now cut their mortgage payments with refinancing.


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a home loan, see what that means for you.


Key questions to ask before you refinance your mortgage  Bankrate.com

While refinancing your home mortgage might sound like a good idea in theory, especially with interest rates falling, it may not always be possible for every ...


If You Ever Want To Retire, Here's The Best Way To Refinance Your Mortgage  Forbes

The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of ...


How to get the best deal on your home mortgage refinance  cleveland.com

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the ...


Refinance mortgage rates mixed for Wednesday  Bankrate.com

Refinance rates were mixed today. See what that means for your chances of getting a better mortgage rate.


Refinancing for the Right Reasons  Jewish Link of Bronx, Westchester and Connecticut

The Mortgage Bankers Association had an interesting statistic released earlier this week. They reported that overall mortgage application volume dropped 6.2% ...


Mortgage-refinancing fever sweeps U.S., forcing brokers to scramble  The Seattle Times

Rates for 30-year mortgages are at their lowest since late 2016, sending many previously hesitant homeowners to their brokers.


You could save hundreds of dollars per month by refinancing your home—here's how to do it  CNBC

With mortgage rates falling, borrowers are primed to save hundreds per month by refinancing. Here are six steps to follow to successfully refinance your home.


Nearly 6 million people can now cut their mortgage payments with refinancing  Bankrate.com

The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate -- two ...


How to Refinance a Mortgage and When to Do It  TheStreet.com

Your mortgage can cost a lot of money over time. Here's how it might just cost a little less....BAC.


Refinance rates ease for Friday  Bankrate.com

Several benchmark refinance rates slid lower today. If you're shopping for a home loan, see how your payments might be affected.


Will mortgage rates drop even more? Should I wait to refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates are near historic lows, but maybe you've heard that nagging voice, the one which says “wait just a little longer. Rates can drop lower.


Nearly 10 million homeowners could save $267 per month by refinancing  The Mortgage Reports

Refinance rates are so low that nearly 10 million people, conservatively, can save hundreds per month. Are you among those who could save?


Mortgage rates are falling—here's how to tell if you could save money by refinancing  CNBC

As mortgage interest rates drop, homeowners could save hundreds per month by refinancing. However, it's not a smart financial decision for everyone.


David Hochberg: How to tell if refinancing your mortgage will save you money in the long run  WGN Radio - Chicago

David Hochberg from Team Hochberg joins Bill and Wendy to talk about the right time to refinance a mortgage. He also gives advice on how to teach your kids ...


Stumped about refinancing? This refinance calculator makes it a no-brainer  The Mortgage Reports

Is now the time to refinance? One way to anser this question is to use a refinance calculator to see how much you can save.


Refinance mortgage rate falls for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a home loan, see what that means for you.


4 irresistible perks of a VA mortgage refinance  Bankrate.com

Interest rates are near historic lows, and one particular VA loan refinance option that is easy to qualify for can enable homeowners to save thousands on their ...


loanDepot Announces Two Hawaii Retail Locations  DSNews.com

Fintech home lender loanDepot recently announced the opening of two Retail locations on Oahu and Maui, which will be led by Hawaii mortgage industry ...


Taking these steps can help you avoid a legal battle with your relatives over the inheritance of a house  Washington Post

Q: My husband and I refinanced my grandparents' house because they had a reverse mortgage. My grandma had passed away and my grandpa was going ...


Refinance mortgage rate eases for Thursday  Bankrate.com

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


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. See what that means for your refi.


As rates drop, mortgage refinancing surges but home purchase loans remain tepid  USA TODAY

Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.


Before You Refinance Your Home, Calculate the Potential Costs  Lifehacker

Mortgage rates are the lowest they've been since 2016. Does that mean it's time to refinance your home? Well... maybe.


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.


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 rates advance for Monday  Bankrate.com

Several benchmark refinance rates cruised higher today. If you're shopping for a mortgage, see what that means for you.


Fewer critical defects in closed mortgages, but income errors rise  National Mortgage News

While the critical defect rate for closed mortgage loans fell on a quarter-to-quarter basis, there were increases in income and packaging-related deficiencies, ...


Refinance mortgage rate moves up for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate cruised higher. See what that means for your refinance.


Refinance rates fall for Wednesday  Bankrate.com

Multiple benchmark refinance rates fell today. See what that means for your refi.


Is now the time to refinance?  Las Cruces Sun-News

Since there is no “one size fits all” reason why one may desire to refinance, the first order of business is to identify the purpose of the refi.


Mortgage Rates Drop Again -- Homeowners Can Save Hundreds Per Month By Refinancing  Forbes

Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%—down ...


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