Mortgage Rates Are Looking Even Better

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Mortgage rates receded to the lowest level in 16 months, setting the stage for a recovery in home sales data if post-recession correlations hold. Forward-looking metrics paint. earnings results.

Mortgage rates had to endure some paradoxical momentum and delayed reaction to the broader bond market rally lately, but now, it’s payback time!

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Mortgage Rates Help. If you know your credit score, select the range that your score belongs to. The best rates and terms go to borrowers with credit scores of 740 and higher, and borrowers in the 720 to 739 range can get very good deals, too. Select the range of discount points that you are willing to pay.

Mortgages When it comes to your mortgage, bank with people who know the local market – folks like us who live and work right here where you do. We want to be a good neighbor and an even better lender.

A note about mortgage points: One way to get the best mortgage rates is to pay "points," or upfront interest paid to the bank that secures a lower long-term interest rate on your home loan. One point generally costs 1% of the total loan amount, so paying 1 point on a $200,000 mortgage would add $2,000 in upfront costs.

This means having a great credit score and otherwise excelling in the metrics lenders look at. but even if it’s not required, a lower DTI is looked upon more favorably and can help you qualify for.

Even if you have your heart set on X rate, you may want to see what the lender is offering, then compare your mortgage payment at different rates and consider the associated costs for buying down to those rates.

Mortgage rates held steady this week at 3.65 percent for a 30-year, fixed-rate loan. It’s the first time all year that rates didn’t fall in Freddie Mac’s weekly survey of lenders.. Rates fluctuate all the time, and there are a multitude of ways to track them, but economists look to Freddie’s survey as a key benchmark of which way they’re moving.

All these bonds compete with mortgages for investors. But Treasurys have the biggest impact on mortgage interest rates. If Treasury rates are too low, other bonds look like better investments. If treasury rates rise, other bonds must also increase their rates to attract investors.