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Mortgage Rates Explained - What Factors Could Influence Your Mortgage Rates?
What influences the rates of a mortgage? On the other hand, people who have a history of marginal credit, meaning that they are not exactly deemed high risk to the point that the bank will not lend them funds for a mortgage,. But they have a lower credit score and do not always pay their bills on time, they will be penalized with a higher mortgage rate. In this case, their credit scores will directly impact what influences the rates of a mortgage. Number of Existing Mortgages. Refinance or New Purchase.