Shop Smart for the Lowest Mortgage Rates

Get the information and insight you need to shop and compare loans for the lowest rate. Stay up-to-date with current mortgage rates and details on refinancing, home equity loans, and mortgage loans, plus free customized rate quotes for borrowers from California to Florida.

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What's New at California Mortgage Rate

Is Now the Perfect Time to Refinance Your Mortgage? 01/06/2009
As the Fed begins purchasing mortgage backed securities per their recent $500 billion announcement, many homeowners are simply wondering if now is the perfect time to refinance. But one problem many homeowners are facing isn't the issue of refinancing itself, but more so the issue if rates will dip even further. While expectations keep dangling the hopes of a 4.5 percent interest rate, homeowners shouldn't neglect the savings they might be able to obtain today.
How To Choose Between a Home Equity Loan or a Refinance in This Current Market 01/04/2009
Historically low interest rates have caused homeowners to see mortgage lenders offering rates below five percent. In combination with the recent Fed rate cut, the decision between a refinance and home equity loan has become more difficult for some. While interest rates will change over time, the rules and guidelines for choosing these types of mortgage will remain the same. If you've been waiting to take advantage of these low rates, check out this post to help you make that decision.
Three Ways To Protect Your Credit When Mortgage Shopping 12/25/2008
As mortgage rates continue to fall, mortgage application activity continues to rise throughout the nation. But while shopping for your mortgage is the right idea, there are a few things every consumer needs to keep in mind to protect their credit. Here are three tips to help you keep your credit in tact while you shop for your mortgage and try to take advantage of these historically low rates.
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