Mortgage rates are tied to a number of different indexes and change daily.

Use the national averages provided here as your benchmark when choosing a lender. Before contacting a lender, it is always best to know what is in your credit report and what your credit score is so that you can get the best mortgage interest rate for your new home loan or refinance.

Read our most recent mortgage and refinance related articles:

• $2,000 Mortgage or HELOC Closing Cost Discount - Daily Deal
• Foreclosures, Mortgage Forgiveness to Rise
• Prime Borrowers Now Going Into Foreclosure
• How to Buy a Home That's Owned by the Bank
• Virgin Money - Keeping it in the Family

Click here for all mortgage and refinancing articles and stories.