FREE-HOME-LOAN-QUOTE.COM

Get Your Mortgage Rate Quotes

Browsing Posts published by admin

Current mortgage rates todays will remain low for the rest of 2011 based on world economic troubles in the United States, Europe and China. The U.S economy is still limping along at less than the growth rate expected. As a result unemployment is still high and the FOMC has kept interest rates at historical lows driving down mortgage rates today monitorbankrates.com/mortgages to record low rates for the entire year.

10 year bond yields which were almost at 4.00 percent last month are now ready to break below 3.00 percent so now would be a good time to get a home loan to buy a home or refinance your current home loan. 30 year conforming mortgage rates which hit a high of 5.25 percent early in 2011 are now back below 5.00 percent around the 4.60 percent range.

Mounting debt troubles in Greece and other countries in the European Union is sinking the Euro agaisnt the Dollar. U.S. bond yields are also going down as investors buy U.S. bonds driving bond yields lower. Yields go in the oppisite direction of bond prices. When prices go up yields go down.

All this will keep mortgage rates today very low and rates will probably continue to drift lower in the coming weeks. If the world economy go back into a recession you

In the first quarter of 2011, conforming 30 year current mortgage rates mortgageratescurrent stayed under 5.00 percent for the entire quarter. Also during the first quarter fixed-rate loans accounted for more than 95 percent of refinance loans because current refinance rates on 30 year mortgage loans also stayed under 5.00 percent for the quarter.

The 95% refinance number is based on the Freddie Mac’s Quarterly Product Transition Report released today. Most borrowers choose refinancing with fixed-rate loans, regardless of whether their original loan was an adjustable-rate mortgage (ARM) or a fixed-rate.

Another big change in this report is an increasing share of refinancing borrowers chose to shorten their loan terms during the first quarter. Of borrowers who paid off a 30-year fixed-rate loan, 34 percent chose a 15- or 20-year loan, the highest share since the Q1 04. 

The reason why is 15 year mortgage rates are lower than 30 year mortgage rates and borrowers will own their home in half the time. Today’s mortgage rates on 15 year home loans are 0.50% lower than 30 year mortgage rates today.

Home loans were mostly converted to fixed mortgages when refinanced from adjustable rate mortgages. In fact, 84% of borrowers who had an adjustable mortgage chose to refinance to a fixed mortgage.

Get mortgage rates and refinance rates by visiting free-home-loan-quote.com. We list today’s mortgage rates and today’s refinance rates every day.

Welcome to Free-Home-Loan-Quote.com where you can get quotes for the lowest mortgage rates for purchases and refinances. The going rate on 30 year conforming mortgages is at 5.00 percent. This rate quote is for purchases and if you’re refinancing. This rate is also only for home values of $417,000 and under. You can also get your own bank mortgage rates quotes from several lenders by comparing mortgage rates today online.

Jumbo rate loan mortgage lending rates mortgagelendingrates.net are higher. 30 year jumbo rate quotes are 5.75 percent for both refinancing and purchases. 15 year jumbo mortgage rates are 5.00 percent, again this is a jumbo rate.