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Home Mortgage Rates

When it comes to your dream home, more important than any other factor are the home mortgage rates you qualify for. Why? Because you are about to borrow a very large sum of money. It’s easy to get into a house or condo with the help of a home mortgage — but the rates you receive are what dictates whether you are getting the best possible deal. That’s certainly a goal of yours, right?

Home Mortgage Rates: Get the Best!

If not, it should be.

On a $250,000 loan, you might pay $1,618 per month at a rate of 6.5 percent. Bump those home mortgage rates up to 7.0 percent, though, and you are looking at close to $1,700 monthly. Over 15 or 30 years, that extra cash sure does add up!

The home mortgage rates you are quoted by your lender hinge on a number of factors. From there, whether or not you consider home mortgage refinancing is up to you.

We have taken the liberty of listing some of these below:

  1. The type of home mortgage. Rates are lower with shorter mortgages. On a 15-year loan, you might expect to pay around 6.25 percent. On a 30-year mortgage, around 6.50. That is not an example.
  2. What your credit looks like. Bad credit means higher rates. It’s as simple as that. A lender will not necessarily DQ you from a home loan, but they will probably assign you a greater risk if you have poor credit — and thus, some significantly higher mortgage rates.
  3. Whether you receive a fluctuating rate. An adjustable-rate loan will change. A fixed-rate loan will not. The home mortgage rates you receive on an ARM will start out lower, but inch higher over the course of the loan. With a fixed-rate loan, the home mortgage rates will remain constant, making it a safer option and the industry’s most commonly seen.

Also, importantly, low home mortgage rates depend, on large part, on who you use to talk to the lenders. As a professional mortgage brokerage in business for many years, we are able to find you the best possible deal with the least amount of hassle. Even if your credit is bad and you are looking for an exotic, non-traditional option, Mortgage Foundation is here to assist you every step of the way.

Let us get started today. The lowest home mortgage rates are a few clicks away. That’s all. Make your dreams come true with the Foundation.