Mortgage Rates Tick Up as LTV Ratio Ticks Down

Calculating the Loan-to-Value Ratio. For instance, a home with a purchase price of $200,000 and a total mortgage loan for $180,000 results in a loan-to-value ratio of 90%. Conventional mortgage lenders often provide better loan terms to borrowers who have loan-to-value ratios no higher than 80%.

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Mortgage Loan Rates Tick Down, but Applications Decline – Mortgage Loan Rates Tick Down, but Applications Decline. The rate for a jumbo 30-year fixed-rate mortgage decreased from 3.99% to 3.96%. The average interest rate for a 15-year fixed-rate mortgage decreased from 3.31% to 3.29%. The contract interest rate for a 5/1 adjustable rate mortgage loan remained unchanged at 2.95%. Rates on a 30-year FHA-backed fixed-rate loan slipped from 3.88% to 3.87%.

Mortgage Credit Availibility Ticks Up As Jumbo Loans Increase – Mortgage credit availability continues its slight upward. in lender criteria for several programs with respect to minimum credit scores and maximum loan-to-value (LTV) ratios, especially with FHA.

Lenders will evaluate your loan-to-value ratio while they are underwriting your loan. In general, borrowers with lower LTV ratios will qualify for lower mortgage rates than borrowers with higher loan-to-value ratios. Borrowers who have a lower loan-to-value ratio are considered less risky to lenders because they have more equity in their homes.

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The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,500 or less) increased to 3.81 percent, the highest rate since August 2012, from 3.70 percent, with points remaining unchanged at 0.39 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans.

So if your mortgage rate is bumped a quarter percent higher for a loan-to-value ratio of 80%, that same pricing hit may be increased to a half percentage point if the LTV ratio is a higher 90%. This can certainly raise your interest rate in a hurry, so you’ll want to look at all possible scenarios with regard to down payment and loan amount.

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Mortgage rates tick down – MarketWatch – The year-to-date average for the 30-year-fixed is still 3.99%. The 30-year fixed averaged 3.93% in the December 14 week, down one basis point. The 15-year fixed-rate mortgage averaged 3.36%, unchanged during the week. The 5-year Treasury-indexed hybrid adjustable-rate mortgage averaged 3.36%, up from 3.35%. Those rates don’t include fees.

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