3.875% | 3.976% APR
Low payments that never change.
3.750% | 4.866% APR
Stable monthly payment with less money down.
3.125% | 3.297% APR
Pay off faster save on interest.
3.750% | 3.606% APR
Lowest rates but may change over time.
Dream Town has partnered with Guaranteed Rate, The Home Purchase Experts® to continue to build relationships we value with you, our community, and friends.
This relationship will not only allow us to offer unparalleled service, but provide you with a full service home buying experience. Guaranteed Rate believes your experience is important, which is why they offer low-rate, low-fee mortgages with a simple, easy-to-understand process.
The fees you'll typically be charged when purchasing a home are simply a consequence of attaining a mortgage. The only fees your lender can control are points charged on behalf of the lender to attain your loan. Other fees charged can include: credit, appraisal, title, and, in some cases, state, county and municipal taxes.
When shopping for lenders by reviewing fees there are two documents you can use to compare costs:
Quite simply, if bonds rise then mortgage rates fall, and if bonds fall then mortgage rates rise. Additionally, the bond market typically moves twice per day—this means rates also move. What's important here is that when a mortgage professional quotes a rate, it is accurate for that moment. The bond market could possibly shift later in the day. While mortgage shopping can be time consuming, your research can help to ensure a smooth mortgage transaction.
Understanding the relationship between mortgage rates and the bond market will allow you to make an educated decision about available rates and the best time to lock in your rate.
When mortgages are sold and purchased by Fannie Mae, Freddie Mac, and Ginnie Mae on the secondary market, they offer mortgage-backed securities (bonds) as payment. It is the mortgage-backed bond market that drives mortgage interest rates.
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