Whether you need a mortgage to buy or refinance your home, make improvements to your property, or consolidate your
debts, take advantage of our huge database of the most competitive lenders available. Complete a short loan request form and the best lenders in your local area
will then contact you with their rates and fees.
 Find the Best Mortgage! |
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Will Mortgage Rates Rise  or
Fall? |
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The Mortgage Lender Directory presents over 2,500 mortgage companies from across the country. Detailed information on each
company is provided. Use our huge database to find the best lenders in your area for your specific needs.
Mortgage Lender Directory |
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Mortgage Library
The many different types of mortgage loans available today, biweekly payment plans, how to shop for a mortgage, steps in the mortgage application process, loan closing activities and closing costs, the refinance
process, second mortgages, option ARM loans, 15-year
fixed loans, 100% financing, interest-only loans, 2/28 or 3/27 ARMs, hybrid option ARM loans, home buyer's guide, and more. |
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Looking for the lowest rate? We offer you an easy way to get mortgage rates that are personalized for your specific financial
situation and needs, and find the loan that is really best for you within a few mouse clicks. We maintain a large database which contains hundreds of the most
competitive loan products! Check out current mortgage rates provided by various lenders from across the country.
Mortgage Rate Search |
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| Mortgage-X
forum (read only) |
| Check out the Answers to see if your question has been answered. |
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| Credit
Grade Guide We have compiled a guide to help you estimate your credit grade and what type of terms you can expect from a lender. |
| The Mortgage
Glossary helps you understand a wide variety of mortgage and real estate terms. |
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Mortgage (ARM) Indexes |
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CMT + T- Bills + COFI + LIBOR + CODI + CD + MTA +
COSI +
W-COSI +
RNY + Prime Rate + Avg Contract Rate
These indexes are used to
calculate the new interest rate on ARMs. Market characteristics, current values, historical graphs are provided.
Note: the Wachovia COSI (W-COSI) is now: Wells Fargo Cost of Savings Index (Wells Fargo
COSI). |
| Mortgage-X tracks and compiles current
values for almost all ARM indexes available today, which are widely used on adjustable rate mortgages. |
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| ARM rates tied to a lagging index rise more
slowly than rates in general. See how a lagging index responds to changes in a leading index rate. |
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| Which
Index Is Better? Compare interest costs on interest-only ARMs based on historical performance of up to 17 ARM indexes. |
| COFI History | CODI History | MTA History | COSI History | Prime Rate History + CMT FAQ | T-Bill FAQ | MTA FAQ | COFI FAQ | LIBOR
FAQ |
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| WSJ LIBOR History:
A complete history of the daily WSJ LIBOR + Monthly Mortgage-X LIBOR is replacing the FNMA LIBOR index. |
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| Constant Maturity Treasuries: Daily CMT Histories by Year
(a.k.a. Daily Treasury Yield Curve Rates) + Monthly CMT History |
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Mortgage Market Survey
Current
national average rates and points on 30 and 15-year fixed, 1-year and 5/1 combined adjustable rate mortgages, the latest mortgage market news. |
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Interest Rate Trends
Historical graphs for
mortgage rates on fixed adjustable rate mortgages. Three month, one year, three year and long-term trends of mortgage rates. |
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Treasury Market and
Mortgage Rates
Mortgage rates generally rise and fall along with yields on Treasury securities, which reflect the overall direction of interest rates.
Yields on 10 and 30-year Treasury securities are typically used to set long-term mortgage rates. Have a look at historical graph comparing 30 Year T-Bond vs. 30
Year FRM, Prime Rate. |
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Treasury
Yield Curve Dynamics
The yield curve is generally expected to be upwardly sloped. A strong upward slope shows that the market believes that yields will
rise. An inverted yield curve typically indicates that the market believes that yields will decline. See how the shape of the U.S. Treasury yield curve changes
over time. |
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Interest Rate
Forecasting: Economic Indicators
Key economic indicators used to forecast economic growth and the direction of interest rates on residential mortgages.
An overview, current news release, and possible influence on the direction of interest rates are provided for each indicator. |
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