Mortgage Rates Pulse

Interest Rate Updates for Home Financing and Mortgage Refinance Rates
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Mortgage Rate Info

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November 2018
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Mortgage Rate Terms

Commitment Rate is the mortgage rate a home loan lender would charge to lend mortgage money to a qualified borrower exclusive of the fees and points required by the lender. This commitment rate applies only to conforming home financing on conventional mortgage loans with loan-to-value ratios of 80 percent or less.

ARM Index - is the One-year Treasury

Loan to Value Ratio (LTV) is the ratio of the loan amount of a mortgage loan to the lower of the appraisal value or purchase price of the property securing the loan.

Origination Fees and Discount Points are the total charged by the lender at settlement. One point equals one percent of the loan amount.

Margin is a fixed amount added to the underlying index to establish the fully indexed rate for an ARM.



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