Articles Written just for Mortgage Rates USA:

 
Mortgage Rates are headed back up

By Scott Ramella - July 2004

Wow, has it really been 4 years since I wrote that first article?  I actually got it right.  30 year fixed mortgage rates got down to almost 5 percent.  That’s why I decided to add another little tale to our website.  The same factors that were instrumental on lowering mortgage interest rates to the lowest levels in 40 years are now working to raise them.  More

 

Mortgage Poison

By Scott Ramella - July 2000

This month, I will tackle a subject that may upset some in the close knit mortgage community.  I will detail three types of loans you should attempt to avoid at all costs and the reasons for doing so.  Please note that there may be some circumstances where these loans are appropriate but for most of the people most of the time these are a bad deal for you as the borrower.  More

 

 
Where are interest rates headed?

By Scott Ramella - June 2000

If you have a mortgage, plan on buying a new car, or carry any balance at all on your credit card, it is good to have some idea of where interest rates are headed in the future.  No single other factor can have as much impact on the buying and spending habits of the American consumer and businessman as the interest rates charged on all forms of loans.  More

 

 

Loose underwriting standards a troubling trend

By Scott Ramella - May 2000

Over the past 5 years, there has come to my attention a very disturbing movement in the back offices and underwriting departments of America's mortgage companies.  With the advent and proliferation of automated underwriting, I have seen a gradual move away from the sound underwriting principals of the past 50 years in home loans.  More