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Todays Mortgage Rates

Todays interest rates are at an all time low, making it a great time to take out a loan or refinance an existing loan. If you want to buy a home, finance a new car, or make home improvements it may be the perfect time for you to look into getting a new loan. Apply online to take advantage of todays low interest rates.

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The rate of interest may be the biggest factor you consider when you determine the terms of your loan. Using a mortgage payment or amortization calculator is good way to figure out how a certain interest rate is going to act on a loan.

For instance, if you have $150,000 loan with a 30 year term at a 9% interest, but rates are currently at 7%, a mortgage calculator can show you the difference between your loan now and what it would be if you were to refinance. In this case a 2% drop in interest rates could take you from paying $284,496 in total interest to paying $209,263. This drop in interest rates would ultimately save you 75,233, which equals up to $209 a month. A mortgage calculator shows that refinancing to a lower rate is well worth it.

Loans generally come with one of two types of interest rates, fixed or adjustable. Fixed rates have a locked in rate, so that you will be able to know exactly what your monthly payments will be through out the life of the loan. This provides security and enables you to do financial planning with confidence. Adjustable rates are less predictable. Based on certain indexes, adjustable rates fluctuate with the market, rising or falling as time goes by. This type of rate has more of a risk, but also has the possibility of saving you money if rates were to drop. Dropping rates would not affect a fixed rate and often causing borrowers with fixed rates to consider refinancing.

 


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Todays interest rates are low but tomorrows could be on the rise. If you qualify for a fixed rate mortgage loan now may be the best time in years to get it locked in at a low interest rate. Consider also consolidating your other high interest debts into your new mortgage loan… 2nd mortgages bring cash from home equity at low rates. 2nd mortgages are a great way to cover unexpected or large expenses at lower interest rates than a conventional loan… Interest rates fluctuate continually throughout the year. Looking at the indices that determine interest rates will help you gain a better understanding of what brings interest rate changes about…
Mortgage refinancing is the best way to take advantage of changes in the market that bring about lower interest rates. Why pay more in interest if you are planning on staying in your home and can break even refinancing in a few years… If rates have dropped more than a single percent since your home loan was established, it may be time for you to refinance again if you are planning to stay in your home. Refinancing now can save you a bundle later…

Paying down your home loan takes years and every month you pay a different amount of interest. A loan amortization calculator will show you how much principal and interest you are paying towards your mortgage each month…

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