Current Mortgage Rates

Monday, March 22, 2010



You need debt negotiation services, also referred to as debt settlement services, if you do not see any progress on a debt consolidation plan, or do not qualify for bankruptcy but unable to make the minimum payment. Benefits of Debt Settlement - Debt Negotiation:
  • End creditor calls
  • Significant debt reduction on your credit cards, personal loans, lines of credit, etc. See settlement letters of consumers of our Debt Settlement services. See sample business scenarios.
  • Restructure existing debts with Debt Settlement to avoid bankruptcy.
  • Satisfy your creditors for what you can afford with a well structured Debt Settlement plan.
  • Debt Settlement and Debt Negotiation eliminate bad debts for great savings. Here are some useful tips for Debt Settlement/negotiating your debts without the help of a private negotiation company:
  • Never talk to the collection agency on the phone. Always communicate in writing. If you must contact a creditor via the telephone, keep track of the name of the agent you spoke with and the time. If possible, record the conversation.
  • Get the terms of your agreement in writing before opening your checkbook or making the first payment. Never expect a creditor to keep their word unless you have it in writing.
  • Keep records. Create a file where your store all of your records and communications with the creditor. Also, keep a copy of your negotiated agreement until the debt is paid off.
  • Keep a photocopy of every letter you send and every letter received. Keep these letters in a safe and organized place with the rest of your files.
  • Send all of your correspondence to the creditor in writing via registered or receipt requested mail. This way you can be assured that the letter was delivered and received by the creditor.
  • Never be too quick to settle. Take your time to negotiate the settlement. Never let the creditor know you are trying to fix your credit to buy a home. A creditor may push for higher payments if they think you have enough money to spend on a home, car or vacation.



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Current Mortgage Rates*

Loan Type
National Average
30-yr. fixed5.25%
30-yr. fixed jumbo5.50%
15-yr. fixed4.38%
15-yr. fixed jumbo4.88%
7/1 ARM4.12%
5/1 ARM4.12%
3/1 ARM4.25%
1-yr. ARM2.88%
1-yr. LIBOR ARM4.50%
10/1 ARM4.75%
*Mortgage Rates Updated: 03/19/2010