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Mortgage Rate Trends
Current APR and Rate Trends since 1991
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Lower Your Interest Rate
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
Why should I lower my rate? |
Save money |
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Lower Payments |
Shorten Your Loan Term
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
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Pay less interest |
Leverage Your Home's Equity
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
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Pay for other debts or emergencies |
Indiana Mortgage Rates
Whether you have always called the Hoosier State home or are looking to relocate sometime soon, understanding how Indiana mortgage rates compare to the national averages is crucial to ensuring that you get the best possible deal on your home.
With that in mind, let's take a quick look at how those rates stack up compared to the rest of the country.
Common Indiana Loan Types:
- Indiana conventional mortgages: Indiana mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
- Indiana FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Indiana on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
- Indiana VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Indiana through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.
Indiana Mortgage Rates Compared to National Averages
Careful rate shoppers will note that these Indiana mortgage rates are slightly higher than the national averages, which is not unusual for the area.
Anyone who has chosen to call Indiana home will quickly point out that the housing prices in the Hoosier state tend to be lower than the national averages, which usually makes up for those rates being a little higher.
