{"id":77,"date":"2012-05-31T13:55:58","date_gmt":"2012-05-31T17:55:58","guid":{"rendered":"http:\/\/www.artisanhomemortgage.com\/news\/?p=77"},"modified":"2020-03-30T13:46:11","modified_gmt":"2020-03-30T17:46:11","slug":"interest-rates-at-all-time-lows","status":"publish","type":"post","link":"https:\/\/www.artisanhomemortgage.com\/news\/interest-rates-at-all-time-lows\/","title":{"rendered":"Interest Rates at all time lows!"},"content":{"rendered":"<p>Mortgage interest rates are indeed at all time lows, but I want to clarify something for the average consumer. When you hear about rates in the news, they are usually referring to Freddie Mac&#8217;s rate survey knows as PMMS.\u00a0 What they don&#8217;t tell you is that in this rate survey origination fees knows as points are included. I am posting a link to today&#8217;s survey here, <a href=\"http:\/\/www.freddiemac.com\/pmms\/\" rel=\"nofollow\">www.freddiemac.com\/pmms\/<\/a>.<\/p>\n<p>Today the 15 year fixed is being shown at 2.97% but included are points or .7%.\u00a0 Normally when a customer calls me for a rate quote, I always start with a ZERO point rate quote which is going to be higher than the rate they saw in the news. I then get asked &amp;quot;why is your rate higher&amp;quot; and it&#8217;s usually a long conversation to explain the relationship between fees\/points\/costs and interest rates. Just know this, fees and interest rates have an inverse relationship, as one moves the other moves in the opposite direction.<\/p>\n<p>The more you understand as a consumer the better you will be able\u00a0to shop for a mortgage.\u00a0 A mortgage is a complex commodity and not a good! The price is ever moving. Rely on a true mortgage professional to give you advice and earn your business.<\/p>\n<p><strong>To learn more call <a href=\"tel:1-833-844-0141\">(833) 844-0141<\/a> today,\u00a0 <a href=\"https:\/\/www.artisanhomemortgage.com\/apply\/mortgage-rate-quote.html\">request a Free Mortgage Quote<\/a> or <a href=\"https:\/\/www.artisanhomemortgage.com\/prequalify-for-mortgage-in-new-york-and-pennsylvania.html\">prequalify<\/a> to find out about available mortgage options.<\/strong><\/p>\n<p>Purchasing home is a significant economical step and should be part of your overall operating plan. After making a interest amount evaluation to find the best loan program, Artisan Mortgage can help you remain on top of your mortgage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage interest rates are indeed at all time lows, but I want to clarify something for the average consumer. When you hear about rates in the news, they are usually referring to Freddie Mac&#8217;s rate survey knows as PMMS.\u00a0 What they don&#8217;t tell you is that in this rate survey origination fees knows as points<\/p>\n","protected":false},"author":3,"featured_media":1184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[159],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Interest Rates at all time lows! -<\/title>\n<meta name=\"description\" content=\"Mortgage interest rates are indeed at all time lows, but I want to clarify something for the average consumer. 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