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Mortgage rates remain below 4 percent for all but one week this year


Prospective borrowers should remember that the terms and rates of their mortgages are heavily dependent on their personal standing.

The the cost of homes increased significantly so far this year, mortgage rates hovering near all-time lows continue to provide a high level of affordability.

Nationwide property values appreciate in October


During the month, property values appreciated 4.3 percent from a year earlier.

Home prices gained considerable momentum so far this year, and they continued this trend in October.

Housing market activity remains elevated in November


During the month, existing-home sales increased 5.9 percent from October.

Real estate activity often experiences a decline in the fall and winter months, but this was not the case in November.

Sporadic mortgage rate movement seen in mid-December


Prior to applying for a home loan or refinance, borrowers should ensure their finances are in the best possible shape.

A number of economic indicators have weighed heavily on the home loan market in recent months.

Housing market improvement continues in November


Last month, nationwide home sales increased 15.7 percent on a year-over-year basis.

The real estate industry often encounters a slowdown in activity during the fall and winter months, but activity remained elevated in November.

Lenders may get mortgage disclosure trial run


The agency will pay attention to three primary factors: Consumer understanding, cost effectiveness and minimizing consumer risk.

In an effort to make the mortgage industry more transparent, one government agency recently announced some lenders may be able to implement proposed mortgage disclosure guidelines in a trial run.

CFPB shuts down two alleged mortgage fraud operations


Consumers should be cautions when approached by a company that promises to forgive their mortgage debt.

In the wake of the foreclosure crisis, the mortgage industry became a hotbed for fraud as scam artists targeted distressed borrowers.

CFPB, DOJ take on mortgage discrimination


In the wake of the housing market collapse, some lenders implemented stricter credit standards.

When applying for a mortgage, a consumer's credit score is very important.

Survey: Home prices, mortgage rates expected to rise in 2013


Many respondents feel mortgage rates will increase significantly in the next 12 months.

Last month, consumers were more confident in the housing market and economy than they have been in years.

Unemployment hits four-year low in November


Recent job growth is believed to be a significant factor that contributed to the falling rate.

The national unemployment rate has remained elevated during recent years.


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