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Mortgage interest rates shown are based on a 40-day rate lock period. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly earnings percentage.

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"Global turmoil is a mortgage shopper's best friend," says Keith Gumbinger, a vice president at HSH. "We will have lower fixed and adjustable mortgage rates until the volatility settles." But even though rates are attractive, banks don't give them to everyone.

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