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Mortgage Rate: What Makes Them Tick?
A mortgage rate is a price tag that is flying from the smoke stack of your home. It is the cost that you will be charged, on top of the principle amount of the homes value that you will be charged for borrowing money to pay for your home. Buying a home does not have to be just a dream anymore because rates of interest on homes are very low. Yet, will they stay that low? And, what else helps to contribute to the overall cost of the interest? There are several things that do, but you can easily sort through these and have the best options at lowering the cost of the home for your needs.
The first thing that affects the home’s mortgage rate is that of the Prime Rate. This is the number that the US federal government sets to help improve the economy. It is the prime cost of interest and it is the guideline that most banks will use when providing loans to their customers or when providing interest on savings accounts and other such investments. Some lenders do offer sub prime rates, meaning that they are below the prime level, but this is hard to come by and may mean fee increases in other conditions.
Secondly, the mortgage rate may change from one type of loan to the next as well. For example, the longer the loan terms are, the lower the interest rate will be on them. Yet, when you consider how much you will be paying in the length of the loan, this is not really a savings at all. Other loan options such as VA and FHA loans may also offer a lower than prime rate or at least be near to it.
Even more so the more risk that you pose to the company, the more costly your mortgage rate is. If you have a poor credit score, you will often be charged a higher amount of interest on your home’s purchase. You should know what your credit score is and you can find this out by getting your credit report. To raise it or to keep your score high, make sure to pay loans and credit lines on time, keep your balances as low as possible as well as to insure that you have enough credit against your debt. The higher your score is, the lower your interest is likely to be as well.
In order to know what the rates of a home loan that you qualify for are, simply go to the lenders websites and request a free loan quote. This will give you a good understanding of where you stand as well as provide you with a way to compare one lender to the next. Because the difference in just a few fractions of a percentage point are so very important (it can cost you thousands of dollars), it makes sense that you will need to carefully look for the lender that can offer you the most ideal interest. Finally, you should know the mortgage rate on any loan long before you agree to pay for it.