Predicting mortgage rates for 2009 is not as hard as it would seem to be. Here are my predictions for mortgage rates for the remainder of 2009, and part of 2010. This will help you know when the best time is to refinance or get a home loan modification in 2009.
Mortgage rates right now are around 5.19% for a typical 30 year fixed rate home loan. Earlier in 2009, the rates for the same loan were around 4.69%. This .5% difference, seems small, but could make a big difference in the savings a homeowner would get overall.
I think that earlier in the year, the rates were so low due to the bad housing market, and the struggling economy. Mortgage rates dropped as a result to spur interest in the housing market. When the rates dropped, the amount of applications from homeowners looking to refinance skyrocketed. Mortgage lenders and banks quickly became overwhelmed with paperwork from desperate homeowners.
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That’s why you need the following e-mail marketing tips: