3-Year Graph of 30-year Fixed-Rate Mortgages

HSH.com

3-Year Graph of Fixed-Rate Mortgages
(National Average; Combined Loan Amounts)

Here's a three-year look at how fixed rate mortgages (FRMs) have behaved in the market. The averages come from the editorial, objective survey which we've been doing nationwide every week for 30 years. (The graph uses weekly mortgage rates; you can view the monthly averages of those figures here.)

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Also see our 1-year ARM, 5/1 Hybrid ARM and 15-yr FRM graphs.

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Mortgage Servicing Facts
When you apply for a home mortgage, you may think that the lender, or loan originator, will service the loan until it is paid off or your house is sold. This is not always true. In today's market, mortgage servicing rights often are bought and sold. If you are notified that your home mortgage servicing has been sold to another company, you may wonder how it will affect your loan terms and monthly payments. Some consumers have complained that they were not given enough notice of loan servicing transfers and were unfairly charged late fees and penalties. In 1990, the National Affordable Housing Act was passed to address some of these concerns. This brochure explains what a mortgage servicer does and what your rights are under the Housing Act. It also tells what you can do if you have a complaint about the transfer of your loan servicing.
The Homebuyer's Vocabulary
Words Defined: Abstract Title, Acceleration Clause, Agreement Sale, Amortization, Appraisal, Assumption, Binder "Offer to Purchase", Building Line Setback, Certificateof Title, Closing Costs, Closing Day, Cloud, Commission, Condemnation, Condominium, Contractof Purchase, Contractor, ConventionalMortgage, CooperativeHousing, Deed, Deed of Trust, Default, Depreciation, Documentary Stamps, Downpayment, Earnest Money, Easement, Encroachment, Encumbrance, Equity, Escrow, Foreclosure, General Warranty Deed, Grantee, Grantor, Hazard Insurance, HUD, Interest, Lien, MarketableTitle, Mortgage Commitment, Mortgage Insurance Premium, Mortgage Note, Mortgage(Open-End), Mortgagee, Mortgagor, Plat, Points, Prepayment, Principal, Quitclaim, Real Estate Broker, Refinancing, Restrictive Covenants, Special Assessments, Special Lien, Special Warranty Deed, State Stamps, Survey, Tax, Title Insurance, Title Search or Examination, Trustee, Zoning Ordinances
What to do when mortgage rates are rising
Basement level mortgage rates are always a welcome sign for homebuyers and refinancers. As rates bounce off the bottom, it's never too soon to think about what you can do to combat rising rates. If you're at the mercy of rising rates, you still have options to keep your rates and monthly payments low. Here are 10 things you need to know when mortgage rates are rising (or have risen); you might be able to help yourself to some savings.