Are you confused about how mortgage rates work? Do you often see mortgage rates advertised real low but when you apply the rate is higher?

A Boston Real Estate Blog reader forwarded me this great Q&A about mortgage interest rates from The AP’s Adrian Sainz.

Highlights: Why can’t I get rates as low as those advertised every week by Freddie Mac?

  • How does my FICO score play into this?
  • Why do rates change by the hour?
  • What are points?
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