Fixed-Rate Mortgages
Fixed-rate mortgages – also called conventional mortgages – have been the most popular home loans for decades. The interest rate on a fixed-rate mortgage stays the same throughout the life of the loan,...
View ArticleHow the Fed Funds Rate Affects Mortgage Rates
The Fed Funds Rate and its Effect on Mortgage Interest Rates: Mystery Revealed. The Fed Funds Rate. Mysterious as it is shifty. To most of us it’s a term we hear often but aren’t sure exactly how it...
View ArticleHow to Improve Your Credit Score
There are no quick fixes to improve your credit score. But you can raise your score over time by consistently managing your finances responsibly. One way to learn how to do this is with Quizzle.com,...
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HARP and Loan Modification – Making Home Affordable Program: Refinance Relief...
Editors note: We have some great news! As of December 11, 2012, Quicken Loans allows refinances of up to 200% of your home’s value on mortgages owned by Fannie Mae through the HARP Program. In order...
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Myths about HARP and Loan Modifications
Editors note: We have some great news! As of December 11, 2012, Quicken Loans allows refinances of up to 200% of your home’s value on mortgages owned by Fannie Mae through the HARP Program. In order...
View ArticleImportant Information You Should Know Regarding Appraisals
You are ready to move forward with your home purchase. You’re taking advantage of the best buyer’s market in decade. Whether you’re a first-time home buyer or an experienced buyer moving to a new home,...
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YOURgage Q&A with Quicken Loans Chief Economist Bob Walters
Quicken Loans recently launched YOURgage, a program that puts a unique spin on conventional fixed-rate loans by allowing clients to choose a term between 8 and 30 years. We sat down with Bob Walters,...
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Mortgage Rates Trend Down Following News of Slow Employment Growth
After ticking up last week, rates once again settled down to near lows for the year, according to the weekly Primary Mortgage Market Survey® (PMMS) published by Freddie Mac. According to this week’s...
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30 Year Fixed Rate Mortgages Stay at Record Lows (So Do 15 Year Fixed Rate...
Great article today in the Detroit News about 30 year fixed rate mortgages being down in the lowest levels we’ve ever seen them. Great news for homeowners and home buyers. Great news. It’s something...
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The Benefits of a Cash-In Refinance
So, we’ve been hearing a lot about “cash-in” refinances lately, and because of the lack of understanding surrounding this topic (although our very own Clayton Closson did a good job of talking about...
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Mortgage Rates Are on the Rise
Like a great sandwich, your favorite song, or the movie Space Jam, all good things must come to an end. After five weeks of reporting on dropping rates in the Primary Mortgage Market Survey, some to...
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Mortgage Rates Inch Higher for the Second Week in a Row
The climb has begun. You may recall last week’s edition of the Primary Mortgage Market Survey which reported that after five weeks of declining mortgage rates, some to historically low amounts, rates...
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Mortgage Rates Continue the Climb
Ahh, Memorial Day Weekend. One of the most relaxing American holidays. It’s like the Fourth of July with almost no firework-related risks. A calming time to sit back, relax and do as little as you want...
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Pros and Cons of the 30-Year Fixed-Rate Mortgage
The 30-year fixed. The iconic, all-American mortgage. For probably the last 70 years or so, it’s been the most popular mortgage in the land. Nothing else has ever come close. All the fancy mortgages of...
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This Just in: Mortgage Rates Drop Again!
Click the image to enlarge. Much like the heat waves we’ve seen in our local weather reports, mortgage rates have finally broken their rising trend and have lowered for the second week in a row. Think...
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Mortgage Rates Are Still Climbing Up
Outside of the Internet, it seems like many people don’t like cats. They’re misunderstood creatures; they only want attention when no one seems to be looking, and when you finally do get to pet them,...
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Mortgage Rates Take a Breather
Hey, guys! Remember me? Your faithful PMMS pal before I was replaced by a much more handsome and talented reporter named Travis? As I type this, Travis is traveling to the great Mount Ratemore on a...
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Mortgage Rates Jump Higher
After weeks of mortgage rates inching up or down at the pace of a sleepy snail, it finally happened. In the span of seven days, 30- and 15-year fixed-rate mortgages jumped up along with 5-year...
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Rising Mortgage Rates Take a Holiday Break
Catch your breath everyone. Mortgage rates have slipped down a bit this holiday week(end), according to Freddie Mac’s Primary Mortgage Market Survey. Despite Freddie Mac being a government-run agency,...
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Myths About Adjustable Rate Mortgages
Coke vs. Pepsi, chocolate vs. vanilla, The Godfather vs. Goodfellas; life is full of polarizing choices like these. In the home loan world that debate seems to be between fixed and adjustable rate...
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