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.

Have a previous bankruptcy on your credit report? You can find lots of bankruptcy information at TotalBankruptcy.com to find out how you can qualify for a mortgage loan and get back on track to restoring your credit rating.

Read our most recent mortgage and refinance related articles:

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• Strategic Mortgage Default's Long Term Impact

Click here for all mortgage and refinancing articles and stories.