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Mortgage Rates - Where They Were And Where They Are - part 1

by Bob Hartz

Mortgage rage analysis is available in great heaps, all about the internet and on a daily basis, in terse and whispered tones, from the Wall Street Journal. Many of the analysts, consultants, financial advisors, investors and best selling authors that make a living talking about the money markets know more about this than most of us care to. But as it happens, we are at the crux of - something, as the housing and mortgage markets finally appear to be shifting out of overdrive and dropping within range of the legal speed limit.

The Gold and Land Rush

Over the last four years housing prices have gone through a steep appreciation while interest rates have bounced around record low levels. A look at interest rates over the last three years in graph form shows the usual spikes and drops from month to month. However for the first thirty of those months, the variation on interest rates for a thirty year fixed rate loan fluctuated between 5.50% and 6.50%. In only four of those thirty three months did the rate reach 6.50%, the last time being in July of 2004.

The Slowing Pace

Read the end of
Mortgage Rates - Where They Were And Where They Are


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