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    Today's Mortgage News Brought To You By Peak Home Loans
    (updated daily)

    Mortgage Refinance & Home Purchase Interest Rates Moving Sideways

    Home mortgage rates and mortgage refinance rates have flat-lined recently.  This is in spite of escalating geo-political tensions, the depression-like GDP Report for Q1, the European Central Market (ECB) outlook, and little news from the FED other than they might start raising rates, which investors are believing less and less.  These recent events put today's average 30-year fixed-rate conventional loan at 4.13%, unchanged from last week.  Mortgage rates in general had been moving sideways in a narrow range, but a downward trend may be beginning.  This could potentially be good news for those that intend to purchase a home or do a mortgage refinance soon.  However, it may be prudent to refinance your mortgage, or buy a home now before rates reverse and move higher, causing your monthly payments to rise.  

    For The Week Ending July 24th, 2014:

    • Thirty-year fixed-rate-mortgages (FRM's) averaged 4.13% with 0.6 points this week.  That's unchanged from a week ago.  At this time one year ago, the thirty-year FRM was approximately 4.371%.
    • Fifteen-year fixed-rate-mortgage (FRM's) averaged 3.26% with 0.6 points for the week.  That is up 3 basis point from a week ago when they were 3.23%.  At this time last year, the fifteen-year FRM was hovering around 3.39%.
    • Five-year Hybrid Treasury Indexed adjustable-rate-mortgages (ARM's) averaged 2.99% with 0.5 points this week.  That is up 2 basis points from the same time a week ago when they were 2.97%.  At this time, one year ago, the five-year ARM was approximately 3.176%.
    • One-year Treasury Indexed adjustable-rate-mortgages (ARM's) averaged 2.39% with 0.4 points for the week.  This is also unchanged from a week ago when they were 2.39%.  At this time last year, the one-year ARM was hovering around 2.65%.

    Home Mortgage Interest Rate Trend Prediction For The Upcoming Week:

    According to a survey of home loan experts at bankrate.com for the upcoming week, July 24th 2014 to July 30th 2014, 15 percent believe home loan and refinance mortgage rates will rise over the next week, 27 percent think mortgage and refinance rates will fall, and 68 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 unchanged at 4.13%, and 71 percent picked correctly.  As you can see, mortgage experts believe rates could go down this week, you may want to act accordingly.  Please click interest rate lock to learn more about locking in your rate.


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    Peak Home Loans LLC Mission Statement:  To offer our hundreds of thousands of clients the best possible customer service available along with free mortgage advice, help, and tips.  We strive to provide our customers with the best & lowest home refinancing rate, low monthly payments and the most home for the money.  We endeavor to get 4 out of 5 customers qualified and to provide loans for those with all credit histories.   When refinancing a home loan, we offer the best home mortgage rates available online.  Find mortgage refinance loans at the best refinance rate.  We are considered one of the best mortgage refinance companies offering the lowest refinance rates.  Should I refinance my home?  Well, you can find a home mortgage refi for the best mortgage refinance loan rate anywhere.