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The article presents a report from the Federal Home Loan Mortgage Association that fixed-rate home mortgages fell in the latest week while one-year adjustable rates drifted higher.

Discusses the costs of lower mortgage payments for taxpayers due to lost deductions in the U.S. Tax breaks for Americans from deductions on mortgages; Low interest rates which caused many in the U.S. to refinance their mortgages; Advice for homeowners who have cut their interest rates to put money aside in an interest-bearing account.

Reports on the drop in mortgage rates in the U.S. as of June 11, 2002.

Reports the rise of Treasury bond sales in the U.S. Impact of greater optimism on the economy; Increase in the national average 30-year fixed-mortgage rate; Impact of the issuance of nongovernment bonds.

Discusses fixed-rate and adjustable-rate mortgages. Advantages of so-called hybrid mortgages, which offer fixed interest rates for a period of time, and then adjustable rates.

Reports on mortgage refinancing by United States home buyers. Penalties faced by low-income consumers; Prepayment penalties for subprime borrowers; Criticism of lenders by consumer advocates and politicians; Litigation of Household International Inc. over early payment penalties.

Reports on a decline on mortgage rates in the United States.

Reports on the prices of bonds and consumer rates as of December 14, 2000. Description of mortgage rates, which are at their lowest point in eighteen months; Rally in bond prices due to implications that the United States economy is slowing and that the U.S. Federal Reserve will cut interest rates; Recommendations for people who should refinance their homes; Reports on treasury securities and corporate bonds.

Reports on the sales of the housing sector in the United States for the month of October 2000. Comparison of the housing sales between the year 1999 and 2000; Assumptions of economic analysts on the slowdown of the sector; Rate of mortgage costs.

Offers a look at the economy of the United States for the year 2000. Status of the Conference Board's Index of Leading Economic Indicators; Rate of the economy's expansion in the second quarter; Reason behind the lower mortgage rates.

Reports on the condition of credit markets as of August 2000. Link between Treasury yields and mortgage rates in the United States; Information on Treasury securities; Rate of Brazil's foreign bonds.

Focuses on the rally in the United States Treasury market prices that is helping mortgage rates fall to their lowest levels since the end of 1999. How the activity in the bond market as of August 2000 could help keep mortgage rates low for the foreseeable future; The rally that the bond market has experienced during the summer of 2000; Explanation of the inversion that has taken place in the bond market.

Reports on the expected increase in the 2000 second-quarter profits of mortgage companies Fannie Mae and Freddie Mac. Increase in mortgage rates; Decline in total loan originations; Loans purchased by the companies in the quarter.

Reports the decline of average rate on fixed-rate mortgage in the United States according to a report released by Federal Home Loan Mortgage Corp. Details on the average decline reported; Information on mortgage rates in the country.

Reports the status of mortgage rates in the United States as of May 2000. Percentage decrease in its rates; Status of its unemployment rate.

Discusses what effect the rise in interest rates by the United States Federal Reserve on May 16, 2000 will have on mortgage rates. Why consumers should look into locking in a fixed-rate mortgage; What hybrid mortgages offer home buyers; Why home buyers should lock in rates as soon as possible.

Reports the status of mortgage rates in the United States as of April 14, 2000. Percentage of its decrease; Influence of its status to the interest rates on Treasury bonds.

Discusses the jump that has taken place in interest rates as of the beginning of 2000 and offers creative options that are open to those shopping for a mortgage. How the refinancing market has slowed since January 1999; What adjustable and hybrid mortgages offer to borrowers; How borrowing costs can be cut by boosting an initial down payment; How shopping for a loan in the competitive mortgage industry can benefit borrowers.

Reports that 30-year fixed rate mortgage rates in the United States have passed eight percent as of August 3, 1999. How the rate could put an end to the housing boom in the US; Affect of the mortgage rate on the economy; Increased interest rates on other types of consumer credit; How rising interest rates are affecting the real-estate market.

Reports on how mortgage interest rates, in the United States, fell in February 1999. The trend of mortgage rates to fall during this time of the year; Effects of the falling interest rates on homebuyers; Statistics from the Mortgage Bankers Association of America.

Reports on mortgage rates in the United States as of fall 1998. The rate for most homeowners slipping; Rates for mortgages of more than $227,150, the jumbos, not dropping much; Turmoil in bond markets flowing over into mortgage pricing, according to analysts; Jumbo loans not having the Fannie Mae and Freddie Mac guarantee; How the difference of fractional percentage points between conforming and jumbo mortgages can add up; Effect on lending activity.

Reports on mortgage interest rates in the United States following the US Federal Reserve's federal funds interest rate cut of October 15, 1998. Statistics on declining rates; Decline in adjustable-rate interest on credit cards; Other favorable indicators, including low inflation and optimism regarding bond markets.

Reports that existing-home sales in the United States declined in August 1999, eroded by mortgage rates and rising prices. Comments from James F. Smith, chief economist of the National Association of Realtors; Implications of the August findings; Description of existing-home prices in four regions of the United States.

Unveils the decision of Bank of America Corp. to eliminate hundreds of jobs in its mortgage unit due to a slowdown in mortgage demand as a result of rising interest rates. Details on the mortgage rates.

Announces the increase in the new orders for durable goods in the United States as of July 1999. Increase in mortgage rates; Home prices; Economic conditions; Orders for electronics equipment; Overall capital-goods orders; Shipments of durable goods; Implications.

States that mortgage rates in the United States has risen to 7.51 percent in the week ending June 11, 1999. How the mortgage rates affects home buying; Decline of mortgage refinancing application.

States that fixed-rate mortgage level has risen in the United States by 7.23 percent in the early part of 1999. Factors that are influencing the level of fixed-rate mortgage; Forecast on mortgage rates.

Reports on the decline of the mortgage delinquency rate in the United States (US) in the fourth quarter of 1998. Mortgage delinquency rate for the period according to the Mortgage Bankers Association of America; Factor which contributed to the drop of mortgage delinquency; Delinquency rates for Federal Housing Administration loans.

Reports the increase in mortgage rates and bond yields in Butler, New Jersey. Increase in jumbo mortgages; Factors that contributed to the increase; Increase in conforming mortgages.

Reports that as part of a plan to reflect price appreciation in America's homes, Mortgage buyers, Fannie Mae and Freddie Mac increased their loan limites by 5.8 percent for 1998. Data by the Federal Housing Finance Board that prompted the two government-sponsored enterprises to raise their limits; Why Fannie Mae and Freddie Mac were chartered by Congress.

Highlights a report released by HSH Associates, which indicates that average mortgage rates on 30-year fixed-rate loans declined for the first time since mid-March 1997. Percentage decline of mortgage rates; What prompted the declining rate; Details on the decline.

Reports that the percentage of people who were delinquent in their home mortgage payments declined in the third quarter. Information from the Mortgage Bankers Association of America; Statistics on the delinquent mortgage rates.

Reports that 30-year mortgage rates in the United States fell below eight percent. Effect of fall on mortgage organizations; What survey of mortgage applications showed; Comments from David Lereah, chief economist of the Mortgage Bankers Association. INSET: The mortgage market..

Focuses on a report released by the Federal Home Loan Mortgage Corp. which indicated that mortgage rates are not following the trend of decline posted by the Treasury yields. Factors that contributed to the performance of mortgage rates; Findings of the report outlined; Statistical information on the decrease in the average mortgage rate for the week of August 10, 1998.

Reports that mortgage delinquency rates in the United States increased 4.47 percent in the 1998 first quarter as oppose to the previous quarter, according to the Mortgage Bankers Association. Indication that the first quarter delinquency rate was the highest since the third quarter of 1995; Information on the delinquency rate on conventional mortgages.

Reports that home sales increased by 5.2 percent in April 1998 in the United States (US), as a result of low mortgage rates and high consumer confidence. Number of homes sold in April; Increase in the Conference Board's index of leading indicators; What indicators suggest about the US economy.

Cautions potential buyers who are looking to take advantage of dropping mortgage rates to brush up on some basics, before getting into the mortgage market. Speeding up of the process by computerized underwriting which allows mortgage companies to win approval more quickly; Giving experts' strategies for navigating the process, like seeking out competitive differences, haggling, and watching upfront costs.

Presents news about credit markets as of June 29, 1998. Suggestion that the losses could worsen as investors dump bonds in the worst period the mortgage market has witnessed since 1994; Graph of mortgage-rate drop; The case of Shetland Fund Ltd., Fibonacci Associates LLC; Atlantic Portfolio Analytic Management.

Reports that on June 18, 1998 mortgage rates in the United States fell to 7.05 percent. The benefits for homeowners looking to refinance their homes; How homeowners should be cautious when looking to refinance their homes.

Analyzes the usability of annual percentage rate (APR) for considering real property mortgages. APR components; Refundability of application fees; Calculations for mortgages including adjustable-rate mortgage. INSET: Go figure (calculating annual percentage rate)..

Reports that in Dallas, mortgage rates felled to the lowest, since February 1994. Comments from Countrywide Funding Corporation; Mortgage Bankers Association of America's statements.