Current Mortgage Rates

Tuesday, December 02, 2008



You can get a recommendation from a friend or relative, an advertisement, or telephone book. When you find a counseling agency, you should do some research and ask some questions. Some credit counseling services operate at a distance, while others make a point of meeting with debtors in a local office. You won't necessarily save money by using a service which doesn't offer a local office, and sometimes it is easier to make and stick to a budget when you are working with somebody face-to-face.

Also, local credit counseling agencies sometimes offer educational programs or classes, which may benefit you when you are deciding if you need credit counseling services, and may provide further assistance while you are participating in debt management. It is okay to work with a credit counseling service over the phone, particularly if you are embarrassed about meeting your credit counselor in person, but you should take care to verify that any service without a local office is in fact legitimate.




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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