Borrow $250,000 with a 30-year, 4 percent fixed-rate mortgage, and over the life of the loan you’ll pay $179,674 in interest. But increase the rate to 6 percent, and you’ll pay $289,595. That’s a difference of nearly $110,000 – enough to help you retire earlier, start a business or put your kids through college.

In short, those measly 2 percentage points could change your life. There are two ingredients to the best possible mortgage rate: having stellar credit and shopping hard. When it comes to improving your credit, we offer articles like ”8 Little-Known Ways to Raise Your Credit Score” and ”How to Clean Up Your Credit History.” And when it comes to finding the best deal, the mortgage search below is the tool for the job.

After all, there aren’t many ways to earn $110,000 in a few minutes.

 

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The rate information on this page is powered by Informa Research Services, Inc. © 2013. This information has been obtained from various financial institutions and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention Money Talks News to ensure you receive the preferred interest rate. Contact links@informars.com to have your rates included in this chart.

Fixed Rate/Adjustable Rate Conforming - APR's are based on a $200,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (97% LTV for FHA's). Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice. Quotes are for "no cash-out" loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization. Fixed Rate/Adjustable Rate Jumbo - APR's are based on a $450,000 loan for a purchase transaction of an owner occupied, single-family residence, and up to 70% loan-to-value ratio. Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice. Quotes are for "no cash-out" loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.

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