Today s mortgage and refinance rates: April 12, 2021 | Rates drop
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Mortgage and refinance rates have gone down since last Monday. You may want a fixed-rate mortgage rather than an adjustable-rate mortgage, because fixed rates are starting much lower these days.
Mortgage rates tend to be low when an economy is struggling. The coronavirus pandemic has hurt the US economy, and it s taking a while for the country to bounce back.
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Christian Wallace, Head of Real Estate Services at Better.com, told Insider that rates will probably stay low for a while as the country waits to see if there is a fourth wave of coronavirus. A fourth wave could cause more people to stay home, which would hurt the economy.
Mortgage rates this week: April 12, 2021 | Rates trend downward
Mortgage and refinance rates have decreased this week, and they re low overall. All rates are lower today than they were last Monday.
Most rates have gone up since this time last month. But the increases aren t drastic, and you can expect rates to stay relatively low for the foreseeable future.
You may want to get a fixed rate rather than an adjustable rate. ARM rates are starting higher than fixed rates right now, and it s likely your rate would increase down the road. You probably want to lock in a historically low rate while you can.
Today s mortgage and refinance rates: April 11, 2021 | Rates fall
If you buy through our links, we may earn money from affiliate partners. Learn more.
Mortgage and refinance have decreased since last Sunday. Most rates have gone up since this time last month, but rates are still at historical lows overall.
If you re ready to buy a home or refinance, you may want to go with a fixed-rate mortgage rather than an adjustable rate.
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Fixed rates are starting significantly lower than ARM rates these days. And because rates are at all-time lows, your rate would probably increase later if you had an ARM. By locking in a great rate now, you can guarantee you ll pay a low rate until you either pay off your mortgage or refinance.
Moving to Glendale was the last straw
Over the years, the cost of apartment living pushed me further and further east, away from my beloved Pacific Ocean. I didn t move often, but when I did it was in pursuit of more space, and more space came at an ever-rising premium.
Eventually, my now-husband and I, searching for enough room to start a family and in proximity to decent schools, moved to a $2,000-a-month apartment in Glendale, a small suburban city to the northeast of LA. We hoped that, by not fully maxing out our budget on rent, we might be able to save enough to eventually buy a tiny starter home. We dreamed of living a life in LA that didn t always feel like we were running to catch up.
How to collect a life insurance payout when a loved one dies
Collecting a life insurance payout after a loved one dies is a fairly straightforward process.
Start by gathering your loved one s life insurance documents, preferably before their death.
Next, notify the insurer and carefully fill out and submit your claims documents.
Losing a family member can be really hard. Late last year, my father died from prostate cancer, leaving a big hole in our hearts. But he did one very good thing for my mom decades before finding out he had cancer. He signed up for three life insurance policies that added up to a significant payout.