Current Mortgage Rates

Tuesday, December 02, 2008



People who will most benefit from the services of a credit counseling firm are typically unable to make minimum payments on their debts and are not able to pay all of their bills in a timely manner. Many are already being sent threatening letters from their creditors, or are being targeted by collection agencies. These are just some of the things consumer credit counseling services can do for you:

  • They can teach you how to better manage your household expenses.
  • They can help you deal with harassing collectors. They can teach you understand relevant financial issues surrounding your credit.
  • They can advise you on how to reduce your debt burden.
  • They can help you avoid situations where you may have to declare bankruptcy.


Consumer credit counselors do all they can to restore you back into a sound financial position again. Their goal is to have you pay off your debts and get your credit back on track. They also serve another very important purpose. Consumer credit counselors are also there to teach you sound financial management. They will show you how to set up a budget and stick with it. This may not sound like something you may want to do right now, but for many people they just don't know how to manage their money. So this can be an invaluable service.



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Current Mortgage Rates*

Loan Type
National Average
30-yr. fixed5.88%
30-yr. fixed jumbo7.62%
15-yr. fixed5.50%
15-yr. fixed jumbo7.50%
7/1 ARM6.25%
5/1 ARM5.88%
3/1 ARM5.88%
1-yr. ARM6.75%
1-yr. LIBOR ARM6.12%
10/1 ARM7.88%
40-yr. fixed7.00%
*Mortgage Rates Updated: 12/01/2008