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
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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.
Today s mortgage and refinance rates: April 4, 2021 | Rates rise
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Since last Sunday, the majority of mortgage and refinance rates have increased. However, mortgage rates on 7/1 ARMs have dropped. In general, rates are still at all-time lows.
You might think about a fixed-rate mortgage if you re aiming to get a mortgage or refinance because you ll receive a lower interest rate than you would with an adjustable-rate mortgage. You ll also secure your rate for 15 or 30 years without gambling on a future rate increase with an ARM.
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NBKC Bank mortgage interest rates
NBKC has a thorough, easy-to-use feature for seeing a customized interest rate on home purchases and refinances. Enter the value of the home you want to buy, down payment, state, and credit score to see your estimated interest rate.
NBKC shows rates for 30-year fixed, 15-year fixed, and 5/1 adjustable mortgages. It provides your interest rate, APR, monthly principal and interest payment, and lender fees. You ll see several columns with different numbers; the numbers vary depending on how many discount points you d use at closing.
The website is more in-depth than what most lenders provide, and you ll get a good idea of what you ll pay should you go through NBKC.