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For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, etc.). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
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"For example, adjustable rate mortgages have starting rates of about 5.5 percent. New York in the Northeast, with 38.9; and Laredo, Texas, in the South, with 37.6. In the second quarter, the median.
Mortgage Buying or refinancing a home is an important decision. You need an experienced mortgage professional who understands that finding the right mortgage loan is just as important as finding the right home. At IBC Mortgage, we will take the time to listen and help you select the home loan that best fits your needs.