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Mortgage Rates

Home Refinance Advisors is a trusted online mortgage lender who provides low mortgage rates for conventional and government loans. Our team will help you compare rates for mortgage refinancing without hassling you for application fees or commitments. Today's thirty-year mortgage rates have fallen to 3.45% according to Freddie Mac's weekly survey.

Mortgage Interest Rates Are Low now, Why Aren't More People Refinancing?

Since the housing boom peaked in 2006, average home prices nationwide have fallen more than 15%. Robert Shiller, the Yale economist who correctly predicted the end of the tech-stock and real estate bubbles, says he thinks home prices could fall much more before the market turns around, even exceeding the 30% decline that occurred during the Great Depression.

Meanwhile, the prices of gasoline and other commodities are rising, and to pay for that inflation, consumers are pinching pennies. Then, there is the national debt problem-years of the government spending and not replenishing the Treasury. Like all wars, the Iraq war has been financially draining. Typically countries raise taxes to fund wars, but the government lowered taxes and paid for the war on credit. As a result of the growing debt and low rates of return on interest-bearing instruments, other countries are not investing as much in the U.S., This weakens the dollar and gives us less spending power compared to other currencies.

With less spending power and the increased foreclosures, mortgage backed securities aren't doing well on the trading floor. Investors don't want to invest in something they feel won't yield the desired returns. So, as a result, mortgage rates have been increasing recently, adding further to the housing turmoil. Apply Now for a Rate and Term Refinance