Mortgage Rates Articles

1). Another 7 Easy Ways To Save Money By : Brian Baldwin
In our last article we focused on a few ways to save money. This time, you’ll find a few more ways to save money and maybe a couple that you didn’t think of. As always, it’s not my intention to make you a cheapskate, but rather to give you the choice of where to spend your money instead of wondering where it went.
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2). Real Estate: Homes on Market Taking Much Longer to Sell, in Past Six Months By : Monte Helme
On average, the length of time required from real estate listing to contract has increased dramatically in the U.S. in the past six months, according to HouseHunt’s latest national “Current Market Conditions” homes for sale activity survey. Seventy-five percent of respondents said it is now taking more than 30 days. Of that figure, 30% said it is taking more than 60 days.
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3). When Will Ben Bernanke Blink? Is the Federal Reserve’s Rate Raising Fight Against Inflation Going Too Far? By : Sydney Jackson
There is a lot of speculation and debate among economists about whether the Federal Reserve will raise the Fed’s short term interest rate to 5% in their meeting on Wednesday. If they do, it will make 16 straight jumps of .25%, since it reached it’s low point of 1%. Most people seem to feel that statements by Fed Chairman Ben Bernanke have sent mixed signals about whether or not this meeting will be the time for a pause.
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4). Understanding Prepayment Penalties on Home Loans By : Dan Lewis
Mortgage lenders prefer certainty to chaos. Some lenders take this concept to its logical conclusion in mortgages by inserting prepayment penalty clauses. Understanding Prepayment Penalties on Home Loans When a mortgage lender evaluates a loan application, it performs a number of analyses to determine risk and profit scenarios. For many lenders, the analysis is based upon a certain period where they are absolutely sure you will be paying back the loan.
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5). Real Estate Market Reaches Equilibrium between Buyers and Sellers By : Monte Helme
Three months ago, the “Current Market Conditions” survey showed that overall the U.S. housing market was displaying a rare balance between buyer demand and seller supply for the first time in eight years. The latest quarterly survey shows that equilibrium has been achieved -- 41% of real estate agents said more buyers than sellers; 40% said there were more sellers than buyers, and 19% reported a 50-50 balance.
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6). In 2006 Projected U.S. Home Sales To Be Second Best In History, Key Industry Observers Predict; Consumer Real Estate Confidence Highest In Three Years By : Monte Helme
In 2005 7.07 million home sales set a real estate record for fifth straight year. After five consecutive record years of existing homes for sale nationwide, key real estate industry observers are optimistic that 2006 will be the second best year in history and that the national median home prices will continue to increase, although at a slower pace that last year’s 10.
Article Related to: real estate, homes, homes for sale, market, mls, home prices, mortgage rates, housing, cheap homes, home values, buyers, sellers

7). Why Credit Scores Are So Important for Mortgage Refinancing By : Keith Hinkley
What is a Credit Score and why is it important for a mortgage loan? A credit score is a rating that is also called a fico score. This rating yields a number that reflects your level risk to the creditors. The higher the score the better your credit rating. The lower your score, the bigger risk of credit you are considered. The score is generated using statistical model, that considers credit accounts from your credit report.
Article Related to: credit scores, mortgage refinancing, home loans, home equity loans, mortgage rates

8). Buying Your First Home: Setup A Realistic Budget By : Bill Wehr
With mortgage rates still low, and a number of flexible loan programs available, it has never been easier to buy your first home. You have some money saved, and being pre-qualified by a lender, you feel you are ready to find that dream home. But you need to set time aside to review your household budget to see the real financial impact of home ownership before you shop.
Article Related to: buying, first home, budget, mortgage rates, loan programs

9). Commercial Mortgage Loans By : Darren Dunner
Commercial Mortgage Loans are specially tailored for purchasing property that can be used for commercial use, the expansion for current business premises, and any residential and commercial investment as well for property development. Difference between residential loans and Commercial loans If you are considering buying a property of four units or less, it is considered as a home loan.
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10). Home Mortgages: Moving Northwards By : Greg Andrews
Do not skip the idea of refinancing your home mortgage. Time is now to take action or you may miss the bus. Going by the trends of the recent years, every time Federal Reserve Board Chairman Alan Greenspan opens his vocal shutter, the interest rates go up. If not by a substantial margin, then at least by 25 basis points. A quarter of a percentage point may not seem a hefty jump given the fact that current federal funds rate is pegged at 2 ¾ per cent.
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11). Mortgage Rate Trends: Analyzing Refinance and Home Equity Loan Rates Projections By : Mary Stras
Mortgage Rate Trends For the last twenty years Federal Reserve Bank Chairman Alan Greenspan has controlled the rates at which banks lend money to their prime customers. The Federal Reserve loan rate was raised or lowered by Alan Greenspan in an effort to control the growth of the economy. If he believed the economy was growing too fast and inflation would follow, the prime rate was raised and conversely if the economy was slowing down the rate was lowered to stimulate it.
Article Related to: home equity loan rates, home equity rates, home equity loans, mortgage rates, refinance rates, home mortgage interest rates

12). Is Your Credit Report Costing You Money? By : Sydney Jackson
Everyone needs to take advantage of the new Federal Free Annual Credit report program, and everyone means you! Why? Because the odds are about 4 to 1 against your credit report being accurate at all 3 bureaus. That’s one of the things the big three credit reporting agencies don’t want you to know. A recent study did random pulls of credit reports from Equifax, Experian and Transunion, with the consumers involved prior permission.
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13). Reasons to Refinance When Rates Are Moving Up By : Chuck Aikens
Interest rates have enjoyed record lows during the last few years allowing many people to refinance and enjoy lower mortgage payments. Now, interest rates are moving in the other direction. The average 30 year fixed rate, according to mortgage giant, Freddie Mac, was 6.31% last week. Still, during this same period, refinancing accounted for 43.6% of mortgage applications.
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14). 1.25% Neg Am Loans: How Deferred Interest Mortgages is Good Home Financing By : Maria Ny
Do 1.25% interest rates really exist? Neg am mortgages calculate several mortgagerates. One is called the payment rate the other is the actual interest rate. Fortunately, the payment rate is capped at 7.5% of the previous payment. The true interest rate is calculated as simply the index plus the margin without periodic caps. When the interest rate resets to a higher rate with a negative amortization Adjustable Rate Mortgage (ARM), the mortgage payment doesn't change.
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15). Inside Lending - Mortgage News for the week of Aug 28, 2006 --- Vol. 4, Issue 35 By : Rodney Anderson
Weekly Mortgage News from Rodney Anderson of Dallas Mortgage Company - CTX Mortgage Week of August 28, 2006 "CALM CONTINUETH NOT LONG WITHOUT A STORM"...And these wise words dating back to 1576 sure still hold true today. Bond prices and home loanrates have been absolutely flat for the past seven trading days. Traders have not had much in the way of economic news to chew on lately, and seasonably lower volume has added to the sluggish market activity.
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16). Credit Building Strategies By : Eric White
IF you are attempting to build your credit there are many strategies we can look at to help you get started. If you have no credit, bad credit or good credit, building credit is important since regardless of your situation, you do not want to go down.
Article Related to: debt consolidation, mortgage rates, bankruptcy, student loans

17). Who Wants Low Mortgage Rates? By : Rene Graeber
Who doesn’t want low mortgage rates? A low mortgage rate means spending on monthly payments during the course of a mortgage. A low mortgage rate can save homebuyers like you several thousands of dollars. A low mortgage rate means having more funds to spend on investments that might prove profitable. Despite the reported increase of previously low mortgage rates, rates today are still low enough to consider a mortgage refinance for your home.
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18). Mortgage Interest Rate Determined by Many Factors By : Ken Charnly
Mortgage Interest Rate Determined by Many Factors
Article Related to: mortgage rates, mortgage, interest rates

19). Mortgages And Interest Rates By : LendingTree Editorial Staff
Interest rates can affect the type of mortgage you choose and dictate when it’s wise to make a change. Here are a few of the factors that can be affected by a swing in interest rates: Choosing a mortgage When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it locks in the current rate and protects you from the higher rates to come.
Article Related to: mortgages, interest rates, mortgage rates, home financing

20). Mortgage rates are rising – Energy prices are high – Inflation coming? By : Nancy Woodward
Mortgage rates are rising as the markets believe the Federal Reserve will raise the interest rates higher. Rates on 30 year mortgages hit a high of 6.67%. This is the highest rate in the last four years. The housing market has been slowing down after five tremendous years. The rising mortgage rates greatly affect the ebb and flow of the nations housing inventory.
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21). Overview on Mortgage Loan By : Isabel Rodrigues
Mortgage Loans A mortgage loan is a method of using a property as security for the payment of a debt. A mortgage loan is a standard method by which individuals and businesses can purchase residential or commercial real estate. This can be done without having to pay for the full value immediately. Taking a mortgage loan to buy a home can probably be one of the biggest commitments one can take.
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22). Mortgage Loans – Should I Refinance Now with Rates Increasing? By : Nancy Woodward
When rates are rising should you consider refinancing your mortgage loan? When rates are falling this is a moot question. Of course you should consider doing a refinance whether it be a fixed loan or home equity loan. When rates are rising you should, in my opinion, only consider refinancing if you want to take cash out of the equity in your home or if you feel now is the time to lock in a fixed rate.
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23). All About Mortgage Rates By : Shelley Green
Mortgage rates are often the most important factor when choosing a lender and the type of loan. The interest rate affects the monthly payment the borrower has to make. If mortgage rates increase then, unless the interest rate payable on the loan is capped or fixed, the amount payable each month will also increase.
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24). Adjustable Rate Mortgages Are OK For The Short Run By : Tom Sample
An adjustable rate mortgage is simply a mortgage whose interest payments adjust up and down based on the going interest rate. This means those with an adjustable rate mortgage will be able to take full advantage of dips in interest rates while their fixed rate mortgage counterparts stay at the same payment amounts.
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25). Mortgage Rates, Loans And Financing By : Keith George
Some persons prefer to have a fixed mortgage payment to maintain their peace of mind. Then you should have it and if you took the loan a couple of years ago you certainly made the right choice.
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