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2. Mortgage rate history: 1970s to 2024 - AOL

   www.aol.com/finance/mortgage-rate-history-1970s...

   Looking at the past four decades, the average rate on a 30-year fixed mortgage peaked in 1981, rising just above 16 percent. The average 30-year fixed rate bottomed in 2021 at just under 3 percent ...

3. Yes, Gas Was Cheaper and Mortgage Rates Were Lower in 2020 - AOL

   www.aol.com/news/yes-gas-cheaper-mortgage-rates...

   A viral online post compares interest rates and gas prices before and after Biden’s presidency. ... Today, the average 30-year mortgage rate is significantly higher than in 2020 and 2021: 6.44 ...

4. Mortgage and refinance rates for Jan. 7, 2025: Average rates ...

   www.aol.com/finance/mortgage-and-refinance-rates...

   The current average interest rate for a 30-year fixed mortgage is 7.04% for purchase and 7.07% for refinance, unchanged from 7.04% for purchase and up 5 basis points from 7.02% for refinance last ...

5. Neutral rate of interest - Wikipedia

   en.wikipedia.org/wiki/Neutral_rate_of_interest

   A good deal of recent [when?] discussion about economic policy, both in the US and internationally, has centered on the idea of the neutral rate of interest. [6] Following the financial crisis of 2007–08 (sometimes referred to as the "global financial crisis"), key central banks in major countries around the world expanded liquidity quickly and encouraged interest rates (especially short ...

6. Government National Mortgage Association - Wikipedia

   en.wikipedia.org/wiki/Government_National...

   It was founded in 1968 and works to expand affordable housing by guaranteeing housing loans thereby lowering financing costs such as interest rates for those loans. It does that through guaranteeing to investors the on-time payment of mortgage-backed securities (MBS) even if homeowners default on the underlying mortgages and the homes are ...

7. Mortgage industry of the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_industry_of_the...

   Low-doc loans carry a higher interest rate and were theoretically available only to borrowers with excellent credit and additional income that may be hard to document (e.g. self-employment income). As of July 2010, no-doc loans were reportedly still being offered, but more selectively and with high down payment requirements (e.g., 40%). [4]