Mortgage Rates-Headed for 4.5 percent?

By:: Bill Rice - MortgageLoan.com

Mortgage rates remain a historic lows. 30-year fixed-rate mortgages continued to hold a steady baseline around 5 percent through the lightly traded holiday season. On the first full day of mortgage-backed securities trading in 2009 expect some volatility. However, with the Federal Reserve about to start actually purchasing on the $500 billion announced mortgage-backed securities buying plan--we will soon test how much of the anticipated buying is already priced into the market. Many analyst believe mortgage rates will solidly cross the 5 percent mark and head into the much discussed 4.5 percent "target" mortgage rate.

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Loan Type	Today	+/-
30 yr fixed	3.80
15 yr fixed	3.10
5/1 ARM	2.73

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