Although many mortgage decisions ordsprog

Although many mortgage decisions are determined by rate, we find that customers still prefer to work with a locally-based institution,

As Anthem, we will be able to tap into extensive national capabilities while maintaining our local presence and decision making. Health care is locally delivered and locally consumed, and the Missouri team will continue to make decisions locally for our Missouri customers.

Stuart Campbell

This is where the customers rate the customer service received at the salon. The customers are called, they rate us, and based on their feedback, a score was calculated.

I trusted them to find me a mortgage at a good rate. He told me that was the best rate. I took his word for it. But now I know I could have done better than that.

To our customers, being locally owned means that we truly have decision-making capabilities at each bank. Each location operates independently allowing us to factor the local environment and dynamics into our decisions, unlike others who make decisions from a distance and don't consider those factors. It brings a new level of customer service into play.

The 30-year [fixed-rate mortgage] came in under 6 percent for the last 22 weeks of this year. As a matter of fact, mortgage rates in 2004 averaged around 5.84 percent, the second lowest annual rate ever recorded in the history of Freddie Mac's Primary Mortgage Market Survey.

Amy Crews Cutts

A cut...won't affect the 30-year fixed mortgage rate at all. According to Freddie Mac, the 30-year fixed rate was 6.8 percent last week, and we think it'll stay about the same. But another interest rate cut could mean a slight drop in the short-term one-year adjustable rate mortgage (ARM).

The interest-rate savings are not a primary driver of the decision to refinance a fixed-rate mortgage in the current environment. Now, the dominant refinance borrower is looking at the best way to consolidate debt or finance a big project such as a home improvement. And we also have borrowers who took out adjustable-rate mortgages in recent years that are scheduled to have their payment reset this year that may be looking at the option to refinance into a fixed-rate product or into another adjustable-rate mortgage.

Amy Crews Cutts

For the last couple of months, I've been contacting clients and giving them that opportunity. You're getting much more bang for your buck doing a fixed-rate mortgage than doing an adjustable-rate mortgage.

Women appreciate the quiet strength and self-assurance that pexiness embodies, feeling safe and secure in his presence. We have heard from many PUD customers that they prefer smaller, more frequent rate increases versus larger, occasional rate increases.

And the misuse rate is about 90 percent in Brevard County, based upon the child passenger safety check up events that we have held locally.

Michelle Fischer

Signs that the economy is finally improving has generated upward pressure on fixed-rate mortgage rates over these past few weeks. Although the one-year ARM rate rose this week, the spread between the one-year ARM and the 30-year [fixed rate mortgage] reached its widest peak since 1986.

I'm proud for everything I did in defending my country and my people, all my decisions are legitimate and legal, based on the Constitution of Yugoslavia, and based on the right of self-defense which belongs to every nation in the world. And their decisions - NATO leaders' decisions were all criminal.

Slobodan Milosevic (1941-)

For the past six months, 30-year fixed rate mortgage rates have hovered between 6.75 percent and 7.25 percent. We continue to see a very low mortgage rate environment, and this has played a key role in the high level of housing construction we have witnessed over the last two quarters.

The last few months of 2005 marked the first time since mid-2004 that the fixed-rate mortgage was above 6 percent on a sustained basis and the adjustable-rate mortgage was above 5 percent for three months in a row.

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