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Factors Determining Mortgage Rates
Mortgage rates are set through the continual interaction of financial forces in the economy. The interdependent actions of investors, consumers and government policy create the economic forces that...
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What Time of the Year Are Mortgage Rates Typically at Their Lowest?
Historically, mortgage rates move very slowly and the amount of change during the course of the year will be small. It may be possible for a homeowner to save a little on the mortgage rate for purchase...
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What Dictates Mortgage Rates?
Economic forces and key economic actors dictate movements in mortgage rates. As market forces push the economy through the expected growth and decline cycles, economic actors react to counteract any...
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How Rate Cuts Affect Mortgage Rates
In the United States, the Federal Reserve Board promotes economic growth and manages inflation risks. The Fed does so through monetary policy, by which it influences interest rates, including mortgage...
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Relationship Between Fed Rates & Mortgage Rates
The Federal Reserve is the only government agency commissioned by Congress to act as the central bank of the nation and oversee the long-term performance of the economy. The Fed, as the Federal Reserve...
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Historical Rate of Mortgage Foreclosures
One important gauge of the real estate market is the foreclosure rate: the number of homes in foreclosure expressed as a percentage of the entire stock of privately owned homes. This rate is often...
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How Are Mortgage Rates Determined?
Mortgage interest rates are leading indicators for the strength of the real estate market. Low mortgage rates improve demand for real estate, while high interest rates discourage people from borrowing...
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An Explanation of Mortgage Rates and Fees
Establishing and closing a mortgage is a costly process for prospective homeowners. Researching and understanding mortgage rates and fees associated with your loan is a good basis of knowledge to...
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How to Figure Home Mortgage Rates
Before plotting strategy, successful real estate investors identify contributing factors behind mortgage rate calculations. The Federal Reserve Board regulates the domestic money supply to influence...
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What Drives Mortgage Rates Up?
Mortgage rates react constantly to a combination of market and economic factors. As a result of this reality, prospective home buyers and those looking to refinance existing mortgages value the timing...
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Relationship Between Treasury Notes and Mortgage Rates
Mortgage rates are long-term debt obligations, and the rates for fixed-rate mortgages will reflect the market rates for other types of long-term debt. Individual mortgage loans are packaged into...
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How Are Mortgage Rates Related to Bonds?
The current rate for fixed-rate mortgages are affected by changes in the bond market rates, primarily Treasury bonds. These effects are due to the way the mortgage market functions. Individual...
View ArticleMortgage Rates Vs. APR
Mortgage rates are usually quoted at the annual rate of interest set by the bank, but because of compounding interest, this will be slightly lower than the annual percentage rate, or APR, that you will...
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Mortgage Rate APR Definition
A mortgage APR--Annual Percentage Rate--takes into consideration fees or costs associated with a loan that are shown to you on the Good Faith Estimate produced by a lending institution during the...
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Qualifications to Renegotiate a Mortgage Rate
The interest rate that your lender charges for your mortgage can make a significant difference in the amount of money you pay each month to finance your home. Renegotiating that interest rate can save...
View ArticleWhat Factors Affect Mortgage Rates?
A number of factors can potentially impact how much interest you’ll pay toward mortgaging a home. You can boost your chances of getting the best interest rate available by providing solid financial...
View ArticleHow Do I Refinance a Mortgage at the Lowest Rate?
Generally, people refinance their mortgage to save money on interest over the life of their loan. If the interest rate on your original home loan is higher than current market rates, refinancing might...
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Mortgage Rate Tools
Getting a deal on your mortgage depends a lot on what mortgage type and rate you get. If you understand how interest rates affect your mortgage payments, you will be better prepared to recognize a...
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What Is a Fair Owner-Financed Mortgage Rate?
One of the main advantages of owner-financed real estate purchases is that certain details and terms of the loan are negotiable between the buyer and seller. This is untrue with conventional mortgages,...
View ArticleThe Importance of Knowing Mortgage Rates
Over the life of a typical 30-year mortgage, you could end up paying more in interest than you pay in principal. With this in mind, your interest rate could have a bigger impact on what it costs you to...
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