4 types of PMI: which one is right for you? Do I need an appraisal to refinance my home? Mortgage rates today, January 3, plus lock recommendations mortgage rates today, March 11, 2019, plus lock recommendations 2 months ago admin. Financial data affecting today’s mortgage rates.. The rise might have been helped by this morning’s retail sales figures for January, which were better than expected. However, the report also contained.Mortgage rates today, March 4, 2019, plus lock recommendations April | 2019 – “Mortgage interest rates have been steadily declining since the start of 2019. These lower mortgage interest rates combined with a strong labor market should attract prospective homebuyers this spring and could help the housing sector regain its momentum later in the year.” To put the low rates in perspective, the average for 2018 was 4.6%!What’s more important: mortgage rates or mortgage loan fees? Firstly, it is important to keep in mind that mortgage packages consist of more than interest rates. They consist of a quoted rate, points and closing costs. points are an up-front fee paid to the lender at closing. Each point equals one percent of the loan amount. Points are charged, or paid, to lower or increase the rate on the loan.Ellen James Martin: Tips on getting the best appraisal to refinance – “They’re under pressure big time because it’s not easy to do an accurate appraisal in a. appraisal for a mortgage refinance: Present your home in the best possible condition. Homeowners seeking to.