I Asked AI to Write This Post for Me. Here Are the Results.

In June 2020 an Artificial Intelligence system called GPT-3 went live. This AI model is focused on Natural Language Programming and was trained by reading trillions of words and sentences online. The net result is that it can generate impressive text that humans can barely tell was created by a computer.

A growing number of developers are being given access to GPT-3 to create real-world applications. In the coming months, you are going to start to see a plethora of AI applications that create content such as blogs, articles, reports, emails, advertising copy, and sales scripts. It’s likely that huge amounts of text that will be written in 2021 and beyond will be written by computers and edited by humans.

I was given access to a beta version of an application called Copy.ai which is specifically designed to create copy that could be suitable for marketing purposes. I asked the system to write me a short blog post titled “Can an AI write business blogs”. In under 3 seconds, it produced the following blog post:

Here are 10 things…

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Trend-following hedge funds are fighting back following their worst month of 2020

Trend-following hedge fund strategies have launched a partial fightback in recent weeks, advancing into positive territory so far in October having suffered their worst month of the year during September’s market reversal.

Société Générale’s main SG CTA Index, a widely-used industry benchmark tracking the daily performance of a group of the biggest managed futures funds reporting their returns, has gained 1.37 per cent in the first two weeks of this month.

The rise partially reverses some of September’s losses, when the index tumbled 2.34 per cent as trend followers were caught by a rapid stock market downturn and US dollar weakness.

Overall, though, SocGen’s CTA Index remains down more than 2 per cent so far this year.

Similarly, the SG Trend Index – a measure of the net daily gains of a 10-strong pool of the biggest trend-following based hedge fund managers – is up almost 2 per cent so far this month, a partial rebound from September’s 3.30 per cent slide.

The index is now essentially flat for the year, at -0.11 per cent, its pendulum-swing performance reflecting the ebb and flow of current markets, as the US presidential election, Brexit negotiations and a resurgence in Covid-19 cases in many developed market countries loom over equities, commodities, currencies and fixed income trends.

Elsewhere, the SG Short Term Traders Index has given back some 0.44 per cent in October so far.  But the index – a daily performance…

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3 Tips for Buying an Online Business

As you start to get involved in remote work, the idea of having your own online business will eventually come into play. Should you consider buying an online business or building one from the ground-up? Both of these can be rather lucrative if you know what you are doing. Buying an established business can pay off a lot more in the long run than starting one from scratch. If you are curious about why buying is better than building an online business, here are some tips and information for you to explore.

Buying vs. building

As we explore the overview of the online business landscape, we find people who are very good at buying online businesses and those who are very efficient at creating businesses. If you build online businesses, you might either be interested in selling it down the road or sticking with it for the long run until it turns around profit.

Having a lot of capital to invest in a business is the top reason why buying is better than building an online business. As stated by Greg Elfrink of Empire Flippers: “Buying a business doesn’t just let you skip the timeline, but it also lets you come into the game already having hard data on what is working and what isn’t.” If you want to go straight to making money, buying a business is the better way…

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Mortgage rates hit 10th record low of 2020, further fueling the US housing market’s boom

• The average US 30-year fixed mortgage rate fell to 2.81% from 2.87%, its lowest in Freddie Mac data going back nearly 50 years.
• The reading also marks the 10th record low this year, reflecting the tumbling borrowing costs that fueled the housing market's rebound.
• Sales of new and existing homes have thrived through the pandemic, but steadily rising prices stand to slow the rally and could delay homeownership for some Americans.
• “It's important to remember that not all people are able to take advantage of low rates given the effects of the pandemic,” Sam Khater, Freddie Mac's chief economist, said.
• Visit the Business Insider homepage for more stories.

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For the 10th time this year, mortgage rates hit a record low.

The average 30-year fixed mortgage rate fell to 2.81% from 2.87% last week, Freddie Mac said in a Thursday release. The reading is the lowest in data going back nearly 50 years. The last record low was 2.86% seen in early September.

The streak of new mortgage-rate lows is unlikely to stop anytime soon. The Federal Reserve indicated in September that its benchmark interest rate will likely remain near zero through 2024, in turn limiting a climb in home loan rates.

The historically low borrowing costs have fueled a housing market surge despite the broader economic turmoil. Sales of new homes have rallied, so much so that just 3.3 months of supply is left should the pace hold steady. That's the shortest period in data going back to 1963, according to the Census Bureau.

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How Do Real Estate Hedge Funds Work?

There are a number of different ways to passively invest in real estate. A real estate investment trust (REIT) or real estate crowdfunding opportunity are some of the more popular methods, but investors also have the option to invest in real estate hedge funds. Real estate hedge funds are a type of pooled investment fund that raises capital from multiple investors to acquire and manage real estate. Real estate hedge funds are actually quite popular, making them an appealing option for a growing investor to scale their real estate portfolio or for a passive investor looking for a competitive return.

Learn what a real estate hedge fund is, how they work, what it's like to invest in or start a real estate hedge fund, what to look for in a hedge fund, and the pros and cons of this method of real estate investing.

What is a real estate hedge fund?

A real estate hedge fund pools money from multiple investors to purchase, manage, and invest in real estate assets providing a specified return to the participating investors monthly, quarterly, or upon completion of the fund. Real estate hedge funds are a part of the private market, meaning each individual fund sets its parameters for returns or investment requirements, which can include the requirement of being an accredited investor or a minimum investment amount.

There are real estate hedge funds in every sector of real estate, including residential real estate, commercial real estate (CRE), and debt markets where the fund buys and…

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Who Regulates Mortgage Companies?

Mortgage companies are underwriting loans. There is no regulation that they have to abide by. As a result, there is an increased amount of risk in the market. As a result of this increased risk, the interest rates on these loans have skyrocketed.

Who regulates mortgage companies? Well, the Federal Government does regulate this industry but not to the extent that banks are regulated. This is because banks have to pay large fines for breaking the law. They have to close down or be taken over by the government if they are found to have violated the law. The Federal government regulates banks to ensure that they do not break the law. However, they do not regulate the mortgage companies that lend you money.

So how do you know who regulates mortgage companies? It depends on what type of loan you are getting from them. If you are applying for a home loan for a new home and you need the cash up front, you want to get an adjustable-rate mortgage. These are known as interest-only mortgages and you will be able to pay lower payments.

The problem is if your interest rate increases in the future. You will have to pay more money. This is why the Federal government has been trying to prevent people from getting these interest-only mortgages. This is where the Federal Reserve comes into the picture.

The Federal Reserve has different rates to choose from. They know which loan to use depending on your current situation and your ability to pay back the loan. The Federal Reserve also makes sure that you do not go over their credit line. This way when they take over a bank they do not have to pay large amounts of money back on the loan.

Also, the Federal Reserve makes sure that people do not abuse credit cards and get themselves into debt. As long as you follow the laws laid out by the Federal Reserve it will be easier for you to find the right loan for your situation.

The Federal Reserve is also very careful about how they set interest rates. If they feel one rate is too high or too low, they do not let it rise any higher than 3%. When they do make a change in interest rates you will receive a notification. However, this is a relatively new rule that the Federal Reserve is trying to enforce because they feel it is too risky to let interest rates rise that high.

The best way to keep interest rates low is to work with a company that has a good reputation. One of the best companies to work with would be one that has done work for several people that are in the same situation. They will know exactly how to deal with the lender's expectations so you can avoid many pitfalls and mistakes.

There are many different companies that offer mortgage services. It is easy to get caught up in the hype of the market. You may think that you are going to be able to get a good deal and then you will find out later that you are paying way too much. So make sure that you do your homework and compare all the options to make sure you get the best deal.

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Is Mortgage Payable a Current Liability?

The most important question you should ask yourself before settling for a loan for your house is can I pay off my mortgage as a current liability. If you are living in a city then it is not possible to pay off your mortgage by the due date and it may be better to consider refinancing the house and buying another one. However, if you reside in an area that has a large number of foreclosure auctions every year or you are paying the interest on your house every month on your home loan then you need to decide if you can pay it off a current liability. You may also be in a situation where you will only have a couple months left until your home loan is due.

The main reason you need to pay off your current liability is because you will have to take out a larger loan to pay off your old mortgage. In this case, if you are paying your mortgage on a monthly basis and you have not paid any of the interest on the loan in the past three years then you are going to have to stop paying all the interest and start paying a lump sum to get your loan paid off. This means you need to find a lender who has a lower interest rate than what your current mortgage is and does not have any requirements on you to pay the interest before they will let you borrow money to pay off your mortgage.

When it comes to finding out if you can pay off your mortgage a current liability on the best way to go about it is to contact your lender and see if there are any requirements you need to meet before they will grant you a loan to pay off your home loan. Most lenders have some sort of minimum amount you have to pay before they will allow you to borrow money.

Once you have done this and have a good amount of equity in the property you are going to be able to negotiate with the lender to get your monthly payment reduced as well as the interest rate for a longer period of time. If you have no equity in your home then you may have to work with a lender who is willing to give you more of a discount on the payments and the amount of interest that is applied for to make it easier to pay off your home loan.

Once you have paid off your current liability and your new lender gives you the approval then you will find that it is much easier to refinance the home loan at a lower interest rate and for longer terms. Your new lender will also be willing to provide you with more leniency on the loan in case you have more than one mortgage to pay off. If you have more than one mortgage and you are paying all the interest on one, you will find that the new lender will give you more of a discount.

Another option that is used more often is to pay the principal amount of the loan with one payment rather than having to pay the interest on all of it. This is particularly useful if you live in a location that is not considered to be a good area for lenders to buy your home from. You can pay the interest on just one monthly payment each month and get a higher discount.

[embed]https://www.youtube.com/watch?v=wUldzN3Zi54[/embed]

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How investors are hedging against possible election chaos in America

ELECTION YEARS are not often the best times for stockmarket investors. Over the past 90 years shares included in the S&P 500, an index of America’s biggest firms, have returned an average of about 8.5% a year. The twelve months leading up to each of the 22 presidential elections in that time have been leaner affairs, returning just 6%. Investors tend not to care whether the victorious candidate is Democratic or Republican, but they do like familiarity—returns are a shade higher in years when incumbents are returned to office. The democratic cycle, for all its virtues, tends to bring with it a dose of uncertainty—first about who will win and then about what that victor will do. And uncertainty tends to make financiers nervous.

These jitters are most easily observed in VIX futures, derivatives that measure the level of volatility in stocks. Because periods of very high volatility are correlated with plunging share prices, VIX futures are often traded by investors as an insurance policy against losses in the S&P 500. Because there is usually more potential for volatility over longer time horizons, longer-dated VIX futures tend to be more expensive. They also tend to be dearer around uncertain events that are likely to prompt volatility, such as elections or even important central-bank meetings.

Investors appear to be especially keen on downside protection around this election. In September Cameron Crise, a strategist at Bloomberg, wrote that VIX futures markets have “never had an event risk command this sort of premium”. Even more unusually, VIX futures prices are elevated not just around the date of the election, but for the months between the vote on November 3rd and the inauguration on January 21st (see chart).

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Hedge Funds Skeptical of SEC Plan to Let Firms Conceal Stocks

(Bloomberg) — A controversial U.S. Securities and Exchange Commission plan that would let many hedge funds conceal their stock picks is generating pushback from an unlikely source: hedge funds.

The industry’s main trade group is questioning whether the SEC fully considered the impact of significantly slashing the number of firms that have to disclose their holdings. The Managed Funds Association, in a comment letter posted Friday on the regulator’s website, urged the agency to do more analysis before moving forward.

“The proposing release underestimated the costs associated with the loss of publicly available information,” the Washington-based group said in a letter dated Sept. 29.

At issue is a July SEC proposal that would mark a dramatic overhaul of fund reporting rules that haven’t been updated in 40 years. Under the regulator’s plan, only investors who hold at least $3.5 billion in equities would have to reveal their holdings quarterly, an increase from the current threshold of $100 million. Stock holdings are disclosed in what are known as 13F filings.

SEC spokeswoman Judith Burns declined to comment on the MFA letter.

The MFA said it supports the SEC’s efforts to review disclosure rules. Still, the trade group’s skepticism adds another hurdle for a plan that has already been blasted by public companies, investor advocates and mutual funds. While those industries often clash over…

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Will Mortgage Rates Go Up Or Down?

Are you planning to buy a home this year? Are you wondering what the mortgage rates are going to be in your area? If you answered yes to either of these questions, you may be surprised to know that the number of homes for sale in your area will be priced much higher than usual.

The reason that mortgage rates are going up is not that difficult to figure out. With the current economy being so weak, the Federal Reserve has been forced to start raising interest rates in an effort to prevent the economy from getting worse.

In the past, the Federal Reserve had always raised the mortgage rates for one of two reasons. Either they believe that the economy is getting better or they are concerned that the economy is getting worse and want to increase the interest rate to stop it from worsening. However, in recent weeks, the Federal Reserve has started to take a different view.

They have started to raise the interest rate because the economy has started to pick up again. Although many homeowners are still having difficulties with paying their mortgages, the economy has started to pick up. This means that banks are more confident about lending money.

With the economy starting to pick up, mortgage rates should start to come back down. Although the current economy will keep increasing, the mortgage rates should begin to stabilize within the next couple of months.

So will mortgage rates go up or down? You just might find out that the answer to that question is an interesting one. economy, unemployment, and the overall state of the housing market all play a role in how mortgage rates will react. When you are looking at the real estate market, you need to think about how many homes are currently available in the area and which ones are on the market at the moment.

Once you figure out what the current market looks like, you can look at some homes that have been recently sold to determine what the future is going to hold. You will be able to see trends develop for the near future based on those homes and the current state of the economy. This can help you determine how the mortgage rates will change in the future.

Mortgage rates are always going to change based on a variety of factors. Some people believe that the biggest factor that will determine how much they will increase or decrease is going to be the economy. On the flip side, there are also some people who believe that the economy will cause mortgage rates to drop.

Regardless, of what the case may be, if you understand how the market works, you will be better prepared to make a better decision regarding whether the mortgage rates will increase or decrease. This will allow you to make the best decision when you look at the market and see what's currently going on in it. With that knowledge, you will be prepared to purchase your home.

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Crypto Hedge Funds Dominate Best Performers List Through September

The head-spinning market dynamics of 2020 have affected many investment styles, giving some fund managers a chance to truly shine whilst others have fared rather less impressively. Now that we’ve finished up the third quarter of the year, we decided to take a look at the Nilsson Hedge database, a publicly available database of primarily managed futures strategies, and see what funds are on top so far.

As of the time of writing, there were 844 funds/programs in the NilssonHedge database which have both performance data for September as well as performance data for the full year. We used AlphaBot’s Quant Screener tool to calculate the returns and were quite impressed with the top performers:

The triple-digits returns are very impressive, especially considering that on the other end of the spectrum funds have lost more than 30% YTD. And, as it turns out, all 10 top performers are crypto-funds, so the returns should be taken with some caution due to very high levels of volatility associated with crypto-currencies and crypto-funds (the second column).

In our previous note, “Are Crypto Funds Actually Adding Value” we observed that *on average* crypto funds do not outperform the underlying cryptos such as Bitcoin. As the funds listed above illustrate, the average is not a very representative measure due to high dispersion of performance.

The above comparative chart of the performance for these 10 funds shows they have outperformed both the S&P500 and Bitcoin…

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Understanding How Mortgage Interest Works

So, you want to know how mortgage interest works? After reading this article you will be better equipped to understand how this important aspect of a home mortgage works. Hopefully, this information will help you in getting the best rates and terms possible for your mortgage.

Let's begin with how mortgage interest is calculated. The interest is the total amount of money that goes out the front for paying off the mortgage each month. Interest can be a little different for different lenders, but for the purposes of this article, we'll stick with the standard interest that is paid on most home mortgage loans. The more you pay back on your loan the more interest you will need to pay, and the lower the rate that you will get.

Now, let's talk about the time period where the interest will be calculated. This is something that varies between all lenders, and it will be something that is based on when the loan was first taken out and also on what you are currently paying. This is an important factor because if you have more than one income you will need to keep track of how many payments you need to make to pay off your loan and the different loan amounts that you have.

Now, you might ask what mortgage interest is for and why you would need to pay it at all. It is simply the interest that is paid on your mortgage that is left over after the monthly payment has been made. The longer you stay in your home and the higher the value of your home the more interest you will pay on the loan. The mortgage payment is always a good idea to keep the interest at a minimum, as you don't want to pay a large chunk of money out of pocket every month just to pay your mortgage.

What you can do to lower the amount of mortgage interest that you have to pay each month is to consolidate all of your debts into one. You should always make sure that you pay off any loans you have with a reputable and honest company because if you do not pay them off they can sue you in court to recover what they can from you. This can end up costing you hundreds of thousands of dollars, and it can also be very damaging to your credit report. For example, if you fail to pay off your home mortgage and the lender files a lawsuit against you for the entire amount, you will not only have to pay the interest for the default but will also be responsible for all of the attorneys' fees for the case.

Understanding how mortgage interest works can help you with getting the lowest interest possible on your loan. You can also save quite a bit of money and lower the cost of your mortgage, especially if you make your payments on time and pay it back completely on time each month. So, if you find yourself in a tight financial situation or feel that your mortgage is becoming more expensive than ever there are things you can do to avoid making the same mistakes twice.

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How to Use a Mortgage and Interest Calculator

Home mortgage calculators are useful tools that can be used for a variety of financial analysis purposes. They are very handy because they have been designed to help homeowners understand the basics of mortgage repayments so that they can be prepared ahead of time. There are many types of mortgage calculators in the market today that come in different shapes and sizes. You have to pick out one that is most appropriate for you. Here are some tips on how to go about it.

To use one of these resources, first follow the steps to input your existing mortgage principal balance and the annual percentage rate of interest. Find these figures from your mortgage paperwork. Then, simply follow the steps to calculate the monthly, annual, or even lifetime monthly, term, or life interest payments you will have to make.

Some mortgage calculators also provide information on the effect of changes in interest rates on your overall monthly payments or, in some cases, allow users to change the type of interest rate to another from a preset range of interest rates. Other calculators, such as those used to calculate the amount of down payment required, also give you an idea of how much the total cost of the mortgage will be once you include closing costs and the tax and insurance fees that may be required.

Mortgage calculators also give you an idea of what your monthly payment will look like at different time points. Some of them provide the total principal plus interest payment amount for each month, while others only show the minimum and maximum payments needed. Other kinds of mortgage calculators also provide a breakdown of the mortgage loan as well as the amount of loan principal and interest due over the life of the mortgage. This will help you determine how much money you will need to repay for the mortgage in the long run.

Mortgage calculators are good if you are still not sure on how to plan your finances so that your payments will be manageable. It is important for you to choose one that can give you all the details about what you want to know, including the calculations for all your debts and the interest rate and payment that will be required in the future.

Mortgage calculators can help you save lots of money in the long run. With the help of a mortgage calculator, you will be able to see how much you can save if you plan to refinance your existing mortgage. to lower your monthly payments.

 

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Who Pays The Mortgage Broker?

You may have asked yourself, “who pays the mortgage broker” and you are asking yourself questions, but your question is not so hard, is it? In my opinion, this can be answered quite easily and fast. The answer is, “yes”, the banks pay the mortgage lenders, and the bankers and the insurance companies pay the mortgage broker for the loans they make.

This simple answer is what every home buyer should know about mortgages and how they work. Why is this so? Because mortgage lenders and the banks are businesses, they are profitable companies, but they can not survive by making money from the money of the people who take out loans from them, which is what mortgages are.

So what does this mean that the mortgage lenders and banks are paying the mortgage broker to make money for them? It means that the bank is not paying the fees to the mortgage broker, it means that the bank and the other mortgage lenders are not getting any profit from the loan that the mortgage broker is doing. But then again, the mortgage broker is a business, it makes its profits in two ways, the fees paid for the loan, and through commissions for every loan that they write. So now you know how to answer the question of, “who pays the mortgage broker”. You know that the banks pay the banker and the bank and the insurance companies pay the mortgage broker for their loans.

Now, if you know the way that mortgage loans work, and you understand the concept of mortgages, then you know that the bank pays the bank, and the banker and the bank and the insurance company pay the mortgage broker for the loan. Now the question becomes, “who pays the mortgage broker?” Well, there is only one person who pays the mortgage broker, the bank does not pay the mortgage broker because of their fee, but the bank pays the mortgage broker because the mortgage broker writes the loan, the bank will pay the mortgage broker based on the amount that the lender is willing to pay, usually, the bank will agree to the loan that the mortgage broker suggests, but sometimes the bank will not agree to the loan. The loan that the mortgage broker writes for the banker's client is called a “short term mortgage”.

Mortgages are “Short Term Mortgages” because they are loans for less than a year. This means that the term of the loan is only one year, but the period of time that you will be paying the loan for is longer than one year. If you are thinking about a vacation for one year, you need to remember to pay the vacation mortgage for one year, not the whole year. because that would be a long term vacation.

If you are thinking about a long term loan like a house or a car, then a long term loan will cost you more but not as much as the short-term loan, but the reason why is because the term of the long term loan will be longer, you will have to pay more in fees, more in taxes, but, you will be able to pay the car for a longer period of time. So, if you are planning on buying a house or buying a car for more than one year, do some comparison-shopping and find the best deal on your loan. So the answer to your question, “Who Pays The Mortgage Broker?”

 

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Is Mortgage Insurance Worth It?

Mortgage insurance is oftentimes an optional coverage for borrowers and can vary greatly between policies. A mortgage is a promise from a borrower to a lender that they will make payments on a specific date, based on the terms of their loan.

In the United States and many other countries, most policies require borrowers to have mortgage insurance in order to borrow money, but there are some policies that don't. In the United Kingdom, a borrower who is unable to repay the debt, or has less than ten thousand pounds of unsecured debt, and has not yet obtained a mortgage, may need to purchase mortgage insurance.

When it comes to buying mortgage insurance, there are many things to take into consideration, so that you are certain you are getting the right kind of policy. First off, you should know what type of mortgage you are interested in buying because different policies will offer different features.

Another consideration is how much risk is associated with the loan itself. Many types of insurance are required by the lender in order to complete the loan. For example, if the lender were to find out that the borrower was about to default on the loan, they could deny the loan and the lender could sell the property.

The reason for this requirement is that different types of insurance are designed to help lower your premiums. If you have a high-risk history, then you are going to pay more in premiums, and this will help lower your overall cost. If you are not willing to take a risk with your loans, then don't get mortgage insurance.

One important thing to do before purchasing mortgage insurance is to consult your current lender. Sometimes the lender will offer discounts to borrowers that have insurance, so this can save you money. Be sure to read the fine print before you decide to buy mortgage insurance.

One final consideration to make before buying mortgage insurance is whether or not the policy will be paid out in the event of foreclosure. Some policies only payout if you have a loan, and then you are required to pay them back on your own after foreclosure. Other policies will only pay out if your property is sold, and you are responsible for the mortgage.

Regardless of your choice, there are benefits to having mortgage insurance, so you shouldn't hesitate to buy it. Even if you are unsure, always speak to your current lender first, so that they can inform you of the pros and cons of the policy so that you know whether or not it is right for you.

Remember, just because it's affordable doesn't mean that it's a good idea to buy mortgage insurance. As long as you follow the guidelines above, and talk to your lender, you should be fine.

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How Is the Mortgage Interest Calculated?

How does mortgage interest work? The answer is simple. Mortgage interest is simply calculated by multiplying the monthly payments due on the mortgage loan by the term of the loan. The amount you pay in interest every month is called the mortgage principal.

The mortgage principal is calculated in two different ways. First, there's the principle part-the actual money you borrowed-and then there's the interest part-the amount the lender charges you each month in order to give you the loan.

The mortgage principal is used to calculate your interest rates; interest rates are determined by subtracting the mortgage principal from the current balance of your mortgage loan. If the mortgage principal is smaller than the current balance, your interest rate will be higher.

There are also two different ways to determine your mortgage interest. The first is known as the amortization schedule; this is a graph that shows the number of payments you will need to make over a certain period of time. You will know exactly how much you will have to repay your loan because the number of payments per year increases.

The second way to calculate your mortgage interest is known as the historical amortization table. This gives you a table showing how much you owe over a certain amount of time (usually 30 years), with all payments shown at the end of that period of time. When you see your final payoff amount, it will be the mortgage principal you will have paid in interest.

In either of these two methods, mortgage interest will always add up to the same amount, even if you were to change lenders. The only exception to this is if you make some additional payments in between the amortization table.

The mortgage interest is what you will be paying on your home mortgage loan when you have a mortgage. The interest rate is determined by the lender and is based on your credit score, length of time you've owned your home, type of loan, and the size of your payment. The more risk you pose to the lender, the higher your interest rate.

Mortgage interest is always an important consideration when you are choosing a new home. You can get great deals if you buy a home in a prime location, which tends to have lower interest rates. If you live in an area where the mortgage interest rates are high, you may be forced to pay more to buy a house.

It's also a good idea to shop around to several lenders, even if you find the best deal. because the interest rate varies widely from lender to lender. While you may get a lower rate with one lender, it could go up a few percentage points with another lender.

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