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         This is a brand new and exciting offer for those seeking a new home mortgage, or to refinance their existing home.   Peak Home Loans is now driven by the most powerful, efficient, and professional home lending network in the United States.  We are rated A+, "Highest", by the Better Business Bureau™.  Our Google reviews have a rating of 4.9 stars, based on 2336 reviews.  We process loans nationwide through a network of state licensed brokers.  So for proper routing and banking compliance, kindly fill out our Short Form.  In less than 48 hours, a qualified and professional home loan representative from your state will contact you with the results of your form in front of them.  You will be informed of every loan option you have available.  Choose the one that best suits your needs.  Except for closing, the entire home loan process will take place online, at your pace, in the comfort of your location.

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    Today's Mortgage News Brought To You By Peak Home Loans
    Saturday, July 04, 2015 (updated daily)

    Mortgage Refinance & Home Purchase Rates Mostly Up This Week

         Home purchase loans and mortgage refinancing rates rose this week as explained by a quote attributed to Sean Becketti, chief economist, Freddie Mac:  "Overseas events are generating significant day-to-day volatility in interest rates. Nonetheless, the week-to-week impact on most rates was modest -- the 30-year mortgage rate increased just 6 bps, to 4.08 percent. The MBA composite index of mortgage applications fell 4.7 percent in response to what is now three consecutive weeks of mortgage rates over 4 percent. Other measures, however, confirmed continued strength in housing - pending home sales rose 0.9 percent, exceeding expectations, and the Case-Shiller house price index recorded another solid increase."

         These recent events put today's average 30-year fixed-rate conventional loan at 4.08%, up 6 basis points from last week.  It may be wise to lock in your rate now (rather than floating) and refinance your mortgage, or buy a new home now, thus avoiding any rate increase that would cause your monthly payments to go up in the future.

    For The Week Ending Saturday, July 04, 2015:

    • Thirty-year fixed-rate-mortgages (FRM's) averaged 4.08% with 2.41 discount and origination points.  That's up 6 basis point from a week ago.  At this time one week ago, the thirty-year FRM was approximately 4.12%, one year ago 4.14%. Today, your average payment on a $100k mortgage would be $477.72 per month, plus taxes and insurance.
    • Fifteen-year fixed-rate-mortgages (FRM's) are 3.24% for the week.  That is up 3 basis points from a week ago, a year ago the rate was 3.22%.  Your monthly payment on a $100k refinance or new mortgage over 15 years would be $700.73, not including insurance and taxes.
    • Five-year adjustable-rate-mortgages (ARM's) averaged 2.99%.  That is up 1 basis point from the same time a week ago when they were 2.98%, a year ago 2.98%.  For example, your monthly payment on a $100,000.00 new home loan or mortgage refinance over the first 5 years would be $420.53 principal and interest only, homeowners insurance and property taxes will be added. 

    Home Mortgage Interest Rate Trend Prediction For The Upcoming Week:

         According to a survey of our home loan experts, for the upcoming week, Saturday, July 04, 2015 to Friday, July 10, 2015, 65 percent believe home loan and refinance mortgage rates will rise over the next week, 6 percent think mortgage and refinance rates will fall, and 29 percent believe mortgage rates will remain relatively unchanged (+/- 2 basis points).  Survey results are provided weekly.  Please come back often to see how accurate the experts fared.  Last week, interest rates were up 6 basis points and 55 percent picked correctly.  As you can see, mortgage experts believe rates might fall this coming week, you may want to act accordingly.


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    A $100,000 Home Mortgage Refinance Or Home Purchase Loan Is Only $404.00 A Month At 2.67%

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