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The Fallacy of “Must Go Up”

Variable rate increase

You really should lock in your mortgage. Rates are historically low and they have to go up…eventually. Sound familiar? It may well be one of the costliest fallacies in today’s mortgage market. It’s kind of like saying stocks have to...

Mortgage Rate Curve

Mortgage Rate Curve

The chart below shows the average best rates for each mortgage term on It provides a good sense of rate premium you’ll pay for the security of a fixed rate and/or longer term. Trends from the last 30 days The...