Today's Mortgage Rates

Product	Today	+/-	Last Week
30 yr fixed mtg	4.27 %	-	4.27%
15 yr fixed mtg	3.85 %	-	3.85%
5/1 ARM	3.40 %	-	3.40%

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A lot of attention is being paid to current mortgage rates, which are near historical lows. Depending upon your situation, refinancing could allow you to slash monthly payments. But don't let low refinance rates be the only factor when deciding whether or not to refinance. Consider the following reasons why applying for a mortgage refinance might not be such a good deal. You've been paying on your current mortgage loan long enough that you've paid down a lot of principal. Are you 10, 15, or even more years into paying off your home loan? It may not make sense to refinance into another 30-year loan at this point. But a 15-year loan might be a smart refinance if you can lower your interest rate. You've lost a lot of home equity due to the housing crunch. About 11 million U.S. homeowne... Read More >>

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How-To Guide: Refinancing Your Home

Refinance

With banks reluctant to lend and with many Americans worried about keeping their homes, the rules of refinancing have changed. Instead of refinancing to pull cash out from high value properties, more of us ask our lenders for help with record low finance rates and streamlined monthly payments. Use our handy refinancing guide and our mortgage calculators to find out if you're ready to start tracking down new home loan offers. How to Know When Mortgage Refinancing Is Right for You In ... Read More >>