BEST MORTGAGE RATE - Mortgage rate intro - why mortgage rates go up FREE RATE CALCULATOR - FREE MORTGAGE RATE CALCULATORS

<body><p><h1>Are MORTGAGE RATES going up ...?</h1> <p> <h2>Why Do Mortgage Rates go up and down</h2> <br> <B>Mortgage rate information - why mortgaging-interest-rates are going up </b><br><br> The mortgage lender that funds your loan may be a bank, credit union, or other type of financial institution.<br> <br> Once the loan is funded, the bank, credit union, or other... has the option of keeping that loan or selling it on the secondary market. If the the bank, credit union, or other financial institution keeps the loan, it makes money from the interest you pay each month. If the loan is sold, the bank, credit union, or other financial institution replenishes its funds and can make more loans to other homebuyers. Basically, the secondary market investors keep funds circulating, for new mortgages. <br><br> <B>Mortgage interest rate investors?</B><br><br> Today's secondary market investors include government chartered companies like Fannie Mae and Freddie Mac, plus insurance companies, pension funds, and securities dealers. Although Fannie Mae and Freddie Mac are different organizations, they participate in similar activities. Both can buy mortgages, and both can group mortgages together for resale in what's called mortgage-backed securities. These are highly liquid investments, that can be easily bought and sold.<i> Just ensure that your bank or lending institution is not involved with improperly rated sub prime mortgage backed securities, that actually have little to no equity or value. Many banks have recently collapsed due to this.</i> <br><br> These investors ( insurance companies, pension funds, and securities dealers ) want to earn the best return possible. When the economy is on an upswing, future yields are expected to be better than current yields. Investors, therefore, will hold off buying until higher yields materialize. This drives mortgaging interest rates up, because lenders cannot sell their loans at lower mortgage interest yields. <br><br> Conversely, when the economy is in a downturn, investors buy up what's available to avoid being stuck with lower yields later. This drives mortgage rates down, as investors buy before yields get too low. <br><br> <B>What this means to you...</B> By staying on top of financial trends and planning accordingly, you can time your mortgage rate lock and get the best mortgage rate possible. Given the current state of the economy, and the related ongoing financial crisis, mortgage rates have been at all time lows...Now is the best time to lock in the mortgage rates. <br> <br> </p> <h2>The Best time to lock into mortgages and rates is now..</h2><br><br> To determine your monthly mortgage payments, based on years and rate <a href="currentmortgagerates.html">Click here for Mortgage Rate Calculator</a></p><br> To determine whether to refinance your mortgage rate <a href="shouldirefinance.html">Click here Should I Refinance Calculator</a></p><br> </p> <p> <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/mortgageratefacts.html">BEST MORTGAGE RATE | Mortgages and rate information | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/currentmortgagerates.html">Cheap MORTGAGE RATE | Current Mortgages and Rate Calculator | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/currentmortgagerates.html">LOW MORTGAGE RATE | get Mortgage-loan Rate Calculator | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/links.html">LOWER MORTGAGE RATE | Find Mortgage-Loan Rate Calculator | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/heading.html">LOWEST MORTGAGE RATE | AFFORDABLE Mortgage Rate Calculator | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/intro.html">CHEAPEST MORTGAGE RATE | BEST AFFORDABLE Mortgage Calculator | <a href="http://gtatorontobusiness.com/bestmortgageratecalculatorwhymortgageratesgoup/financeinterestonly.html">FINANCE MORTGAGE INTEREST | BEST Finance Mortgage interest Calculator | <div align="center" style="padding-bottom:5px; padding-top:5px;"> <p> BEST MORTGAGE RATE - get the best mortgages and get the best rates<br><b> Mortgages in - FLORIDA FL | MICHIGAN MI | MINNESOTA MN | NEW JERSEY NJ | NEW YORK NY | NORTH CAROLINA NC | PENNSYLVANIA PA TEXAS TX | WASHINGTON WA </a> <br><b><br> <h2>Mortgages in the following states : AL ALASKA AK ARIZONA AZ AR CALIFORNIA CA COLORADO CO CONNECTICUT CT DE DC FM FLORIDA FL GEORGIA GA GU HI IDAHO ID ILLINOIS IL INDIANA IN IOWA IA KANSAS KS KY LOUISIANA LA MAINE ME MH MD MA MICHIGAN MI MINNESOTA MN MISSISSIPPI MS MISSOURI MO MONTANA MT NEBRASKA NE NEVADA NV NH NEW JERSEY NJ NEW MEXICO NM NEW YORK NY NORTH CAROLINA NC NORTH DAKOTA ND OHIO OH OREGON OR PENNSYLVANIA PA RHODE ISLAND RI SOUTH CAROLINA SC SOUTH DAKOTA SD TENNESSEE TN TEXAS TX UTAH UT VERMONT VT VI VIRGINIA VA WASHINGTON WA WV WI WY CA, FL, GA, IN, MA, MD, MI, NC, NJ, NY, OH, TX, WI</h2> </p> </div> </td> </tr>  </font></font></span> <link href="default.css" rel="stylesheet" type="text/css"> <style type="text/css">  </style> <div align="center"> <center> <center> <center> <table style="border: 2px inset rgb(220, 220, 220); table-layout: 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