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Refinance Your Loan To Current Mortgage Rates Without “Starting Over” At 30 Years

Want to refinance but don't want to your loan to reset 30 years? Here's how to do it. Full analysis and strategy, plus today's live rate quotes.

FHA Mortgage Rates – Comparing FHA, USDA & Conventional Loans

Reviewing today's most widely-used loan programs. Helping you choose your best mortgage program at the lowest available mortgage rate.

Mortgage Rates Today – Home Loan Rates & Trends

Current mortgage rates and mortgage market movement. Today's mortgage rates and mortgage news. Live rate quotes available. News and data provided by MBSQuoteline, a real-time mortgage market data service available to loan officers, real estate agents, and other finance professionals.

30-Year Mortgage Rates Reach 4.23% In Biggest Surge Since December

Mortgage rates make their biggest one-week jump in more than 9 months, according to Freddie Mac data. Analysis plus access to today's live rates.

100% LTV Mortgages Help Kick-Start Housing Starts, Builder Confidence

Single-family housing starts slipped in August. What it means for the U.S. Housing Market and your plans to buy a home. Mortgage rate quotes available.

30-Year Mortgage Rates Moving After Fed’s September FOMC Meeting

Mortgage rates are higher after the Federal Reserve's September 2014 meeting. How high will rates ultimately go? Analysis and live quotes here.

Homebuilder Confidence Rises To 106-Month Best; Low Mortgage Rates Help Stoke Buyer Demand

Homebuilder confidence soars. New construction buyers lose negotiation leverage. Analysis of the market, plus access to live mortgage rate quotes.

Top 4 Mistakes Which Increase Mortgage Closing Costs Unnecessarily

Four common mistakes borrowers make which increase their mortgage closing costs, and how to avoid making them yourself. Analysis and live rate quotes, too.

Simple Mortgage Definitions : Mortgage Escrow And PITI

Learn to calculate your mortgage escrow and PITI, then see for which mortgage programs you may qualify. Mortgage rates available, too.

Today’s Mortgage Rate Strategy For This Week’s FOMC Meeting

The Fed adjourns from a 2-day meeting Wednesday. The Fed doesn't set your mortgage rates but it influences them. Consider locking in now -- before rates rise.

Surprise! Mortgage Rates Suddenly Rise. (FHA, VA, HARP, USDA)

Mortgage rates broke higher last week, and moved to their highest points since April. Analysis of today's mortgage rates and a look ahead at what's next.

IRRRL / VA Streamline Refinance Emerges As Popular Refi Choice

The Interest Rate Reduction Refinance Loan (IRRRL) is helping homeowners take advantage of today's low mortgage rates. Analysis and live rate quotes.

Mortgage Rate Forecast: Will The Federal Reserve Begin Guiding Interest Rates Higher?

The Federal Reserve meets this week. How the meeting may affect this week's mortgage rates, and mortgage rates through the rest of September and October.

USDA Home Loans : 100% Financing And Very Low Mortgage Rates

The USDA home loan program offers 100% financing, low mortgage rates, and a minuscule annual MIP payment. Check your USDA eligibility here.

Simple Mortgage Definitions : Good Faith Estimate

About the Good Faith Estimate (GFE), including how they work and how to use them. Use today's GFE to help compare rates among lenders. Get free rate quotes.

Looking for low mortgage rates today? You're not alone. Millions of U.S. consumers shop for mortgage rates annually. Some get the lowest mortgage rates available and others overpay.

Shopping for a mortgage can be a challenge. This is because mortgage rates change all day, every day. Plus, there's no formula to show where rates will go next.

Mortgage rates can change up to 5 times daily, reacting to world news, economic events, and Wall Street sentiment. The rates you see from a lender in the morning are rarely the same rates that you'll see in the afternoon. And, certainly, by the next morning, mortgage rates have changed again.

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As mortgage rates have dropped since 2009, tens of millions of U.S. homeowners have refinanced their homes. To "refinance" is to replace your current mortgage with a new one -- often one with a lower mortgage rate.

Refinances come in three main varieties -- the cash-out refinance, the cash-in refinance, and the rate-and-term refinance.

With a cash-out refinance, a homeowner converts home equity into cash, with no restrictions on how the cash is used. Some homeowners use cash-out mortgages to pay for home repairs; or, to pay for a college or post-graduate education; or, to fund downpayments for a future home purchase.

Cash-in refinances are the opposite of cash-out refinances. With cash-in refinances, homeowners lower the amount owed on the home -- often to eliminate mortgage insurance or to get access to lower mortgage rates. Less than 5 percent of all refinances are of the cash-in variety.

The most common refinance type, then, is the rate-and-term refinance.

In a rate-and-term refinance, the homeowner lowers its loan's current mortgage rate; shortens its loan's term (i.e. length in years); or, does both. An example of a rate-and-term refinance is lowering your mortgage rate from 6% to 4%.

Rate-and-term refinances are available for all loan types, and some versions are "branded", as with the FHA Streamline Refinance and VA Streamline Refinance (IRRRL) programs. The Home Affordable Refinance Program (HARP) is also a rate-and-term refinance program.

At today's mortgage rates, the typical refinancing homeowner can reduce monthly payments by one-fourth.

Banks are making it easier to get approved for a mortgage today, which is great news for US. home buyers. Low- and no-downpayment mortgages are more abundant than during any period in the last 10 years; and, mortgage rates today are lower than they've been in history.

For buyers with a budget and a plan, buying a home has never been easier.

Home shoppers who want to make the smallest downpayment possible have access to the VA loan and the USDA loan -- both of which allow for 100% financing. Backed by the Department of Veterans Affairs and the U.S. Department of Agriculture, respectively, these programs require no downpayment whatsoever and provide flexible approval standards for eligible buyers.

Today's buyers also have access the FHA mortgage which requires just 3.5% down. The FHA is the world's largest insurer of mortgage loans and mortgage rates for FHA mortgages rival the mortgage rates offered on conventional loans backed by Fannie Mae or Freddie Mac.

Meanwhile, for buyers making a downpayment of twenty percent or more, mortgage options are plentiful, including access to construction loans for financing home improvements.

First-time buyers, repeat buyers, and real estate investors are benefiting from today's low mortgage rates and access to a wide array of products.

Get Your Very Latest Rate Quote Now!