Mortgage rates on the rise again

By Qiong (June) Zhang3,038 Comments

http://www.cnbc.com/id/101242878

Flat screens and espresso makers? No, turns out that consumers should have been buying mortgages on Cyber Monday. By the end of the day, the average rate on the commonly used 30-year-fixed mortgage was 4.5%, its highest point since mid-September, according to Mortgage News Daily. It was 3.36% a year ago.

Home prices were up 12.5% in October, according to the latest reading from CoreLogic. While the gains are beginning to slow, the sharp move up this year has rattled the housing recovery.

Despite rising rates, several mortgage products are available, and you may be able to reduce your monthly payment a bit if you have clean credit and a solid down payment. In today’s market, of course, those are big ifs. While housing price gains had been viewed as a sign of recovery, most are now saying that a slowdown going into 2014 is a good thing.

Taking a collective breath will help some during the slow winter season, but buyers should beware that spring could bring not just higher prices but higher mortgage rates. The days of the 3 percent 30-year fixed are clearly over.

详细历史记录请参看:Rates History

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