Welcome to LoanSafe

LoanSafe.org is America's #1 mortgage website for consumers since 2007. Free mortgage help for first time home buyers, and homeowners looking to refinance, or need a loan modification, short sales and more! For immediate assistance, please call 1-800-779-4547.

Current Mortgage Rates for Monday January 26, 2015

Current mortgage rates from the nation’s top lenders for this Monday are mostly stable. The national average for conforming and ARM loan rates also remain at all time lows. Last week rates fell for the fourth straight week, and this week I suspect more of the... read more

Know Before You Owe New Mortgage Rules

Lat week, the Consumer Financial Protection Bureau (CFPB) finalized two changes to the “Know Before You Owe” mortgage disclosure rules. The new rules address when mortgage borrowers will receive updated disclosures after locking their rates, and how consumers receive... read more

Mortgage Rates Continue to Drop – Friday January 23, 2015

The national average for both conforming fixed mortgages, and ARM loan rates for this Friday are continuing to drop. A trend that we have seen for the past several weeks, and they are currently at the lowest levels since May of last year. Freddie Mac issued their... read more

Mortgage Rates for Thursday January 22, 2015

Current conforming fixed-mortgage and ARM loan rates are slightly higher for this Thursday morning, but they are still at the lowest levels since May 2013. BankRate reported their weekly rate survey results today, showing the 30-year fixed at 3.81%; up from 3.80% last... read more

FHA Streamline Refinance With Previous Short Sale

Recently, I have received a number of calls from homeowners saying that they’ve been told they can obtain a streamline refinance 2 years after short sale. I’m going to shed some light on that subject, as we are a direct lender without any specific overlays... read more

Home Remodeling Market Set For Modest Growth in 2015

The National Association of Home Builders (NAHB) had issued a report yesterday, stating that a home remodeler panel at the International Builders’ Show (IBS) in Las Vegas, have mostly agreed that this segment of the market will see modest growth in 2015. With mortgage... read more

Mortgage Rates Remain Low for Wednesday January 21, 2015

The national average for conforming mortgage and ARM loan rates this Wednesday morning are continuing to remain low, and essentially flat for the past few weeks. The five-year bond yields which serve as a benchmark for the mortgage market are at a record low, causing... read more

Current Mortgage Rates for Tuesday January 20, 2015

The current national average for fixed mortgages and ARM loans remain mostly stable for this Tuesday morning. Here is a brief summary of today’s market numbers, and rates from the core home loan programs. The 30 year fixed mortgage national average is 3.66%, and... read more

Mortgage Rates for Monday January 19, 2015

The markets and banks are closed today in order to honor the Martin Luther King holiday. With that said, the national average for mortgage rates for this Monday morning are the same as our last report on Friday. If you are looking to lock in a mortgage at a great... read more

California Home Sales Up 23.8% for December 2014

The real estate market in California is really starting to heat up. Real estate service provider CoreLogic DataQuick is reporting that there were 29,459 home sales for the month of December 2014, which is an increase month over month by 23.8% from November. According... read more

Mortgage rates continue to go lower and lower…

Mortgage rates are down again today for the for the third straight week, and many borrowers are taking advantage of this awesome market. Freddie Mac’s Primary Mortgage Market Survey reported this week that the national average rate for the 30 year fixed mortgage was... read more

Hope Now Reports 34,000 Loan Modifications in November 2015

The alliance between HUD approved counseling agents, servicers, investors and other mortgage market participants known as HOPE NOW, reported yesterday that an estimated 39,000 homeowners received loan modifications, and 28,000 foreclosure sales were recorded during... read more

Home Remodelers Optimistic About Market Improvement

According to the Remodeling Market Index (RMI) issued today by the National Association of Home Builders‘ (NAHB), housing remodelers’ confidence has improved. The RMI shows that more remodelers are reporting that market activity is higher (compared to the... read more

Mortgage Rate Report for Thursday January 15, 2015

The current national average for conforming fixed mortgage and ARM loans are remaining stable on this Thursday. This trend has continued since last week. With the lowest rates in almost two years, the mortgage industry is seeing a small refinance boom, with current... read more


Get a Free Mortgage Rate Quote

Get Quote Now