Worried about low credit score? Fixing your credit? Getting a mortgage while your credit report is in-repair.

As mortgage rates rise and home prices climb, savvy U.S. consumers have rushed to refinance and purchase homes.

U.S. homeowners expect rents to rise faster than home prices in 2013, and mortgage rates to increase for all mortgage loan types.

The Mortgage Bankers Association projects that mortgage rates will be 4.4% in 2013, an increase of more than one percentage point.

Mortgage rates rose last week, continuing this year's terrible start. Here's what to expect from mortgage rates this week.