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Find a Mortgage National Averages Mtg Loan Rate APR 30-yr Fixed : 5.94% 6.05% 15-yr Fixed : 5.29% 5.47% 1-yr Adj : 3.71% 3.97% Home Equity Rate 30K HEL: 3.46% 30K HELOC: 6.22% More Rates: Mortgage - Home Equity from Bankrate.com Calculators • Mortgage Payment • How Much Can You Afford? • Should You Refinance? • More Calculators Special Offers • • •	Securing Your Loan Lenders Take a Close Look at Your Credit Improve Your Purchasing Power: Pre-Qualify or Get Pre-Approved Get Your Documents Ready The Property Appraisal Helps Determine Your Loan Amount Mortgage Bankers vs. Mortgage Brokers Ask the Lender or Broker the Right Questions The Lender's Role, and Your Rights Points: Not Always Better Than No Points Good Faith Estimate: More Fees at Closing Standard Closing Costs Special Circumstances Require Extra Planning Using the Web to Find a Mortgage What to Do If Your Loan is Denied