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A list of current mortgage rates, historic mortgage rates, charts and interest rate news.

NEW YORK, Dec 3 (Reuters) – U.S. mortgage rates dropped to a record low, smashing through a previous record set earlier this year, a closely watched mortgage survey showed Thursday.

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Mortgage Rates Drop Yet Again to a Record Low in 2011 Mortgage rates dropped yet again to another record low for 2011, falling to the lowest level in nearly 6 months and helping the real estate market which is on life support.

A reverse mortgage is a mortgage loan, usually secured over a residential property, that enables the borrower to access the unencumbered value of the property.

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Mortgage delinquencies fell to a record low in May as a strong labor market helped Americans to pay their mortgages on time. late payments fell to 3.36%, the lowest ever recorded in data that goes.

The market has priced in a strong chance of a 0.25 percentage point reduction to a new record low interest rate of 0.75 per.

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Mortgage finance giant Freddie Mac said Thursday that average rates on 30-year fixed-rate mortgages dropped to 4.85 percent this week, from 4.98 percent last week. It was the lowest in the history of Freddie Mac’s survey, which dates back to 1971 and was down a full percentage point from a year ago.

With the Reserve Bank of Australia (RBA) looking likely to cut interest rates again next month to what would be a new record.

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Mortgages drop to new record low. A basis point is one-hundredth of 1 percentage point. The mortgages in this week’s survey had an average total of 0.35 discount and origination points. One year ago, the mortgage index was 5.16 percent; four weeks ago, it was 4.18 percent.