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August 20 Mortgage Rates at US Bank – Little to No Movement, No Real Improvement

August 20 Mortgage Rates at US Bank – Little to No Movement, No Real ImprovementUS Bank’s overall performance this week in the mortgage arena hasn’t been particularly reassuring, with the majority of benchmark loans on offer having fallen rather far behind those of rivals. The same appears to be the story of the day for Wednesday too – here’s the latest overview of home purchase deals as advertised by US Bank today.

The standard 30 year home purchase package which remains the nation’s favorite is on the books today for 4.500% and with an APR of 4.673%, while the 15 year option can see balances cleared for a fixed rate of 3.500% and with an APR of 3.811%.

30 year FHA home buying loans are being offered for 4.375% and APR of 4.879%, while the 30 year Jumbo loans is on the cards for a best daily rate of 4.625% and 4.777%.

As far as the day’s best adjustable rate loans are concerned, the 5/1 ARM is looking solid enough at 2.635% to begin and with an APR of 3.250% variable, while the popular 3/1 ARM can be taken out starting at 2.250% and with an adjustable APR of 3.261%.

Always make direct contact with lenders when looking to establish a precise offer – interest rates vary significantly in accordance with personal circumstances and application criteria.

Wells Fargo’s Best Advertised Mortgage Rates for Wednesday, August 20

Wells Fargo’s Best Advertised Mortgage Rates for Wednesday, August 20Wells Fargo’s position somewhere in the middle of the lending market hasn’t changed for the week so far, though in most cases borrowers are still being offered very competitive deals. Analysts don’t see a great many lenders bringing back the year-long lows of a week or so ago, but this doesn’t mean it’s not the ideal time to lock in a great home purchase or refinance deal.

In terms of the picture as of August 20 at Wells Fargo, home purchase borrowers are being offered the 30 year fixed rate home loan for 4.250% and with an APR of 4.503%, while the popular 15 year loan is on the books today for 3.500% and carries an APR of 3.820%.

As far as taking out a refinance loan today goes, the 30 year package from Wells Fargo can be locked in from 4.250% and carries an APR of 4.335%, while 15 year fixed rate refinance loans are being advertised at 3.500% and with a 3.647% APR.

For more information or to arrange a quotation, please contact your lender of choice directly – all sample rates are indicative only and are likely to change without notice.

 

Market Leading Lows Continue at Citi Mortgage – Interest Rates for August 20

Market Leading Lows Continue at Citi Mortgage – Interest Rates for August 20Citi Mortgage has been pretty much tied with Bank of America for the whole of the week to date, advertising some of the lowest benchmark mortgage rates on the market. It’s once again looking like a similar story for August 20 as Citi has indeed quotes excellent lows on the standard mortgage deals of most interest to the American public. Here’s an overview of what’s happening this Wednesday:

The benchmark 30 year fixed rate deal from Citi is looking strong one again at 4.000% and with an APR of 4.205%, while those more interested in the shorter 15 year option could lock in a rate at low at 3.125% with an APR of 3.442%.

If looking to refinance a home with the help of Citi, the 30 year fixed rate loan is always a popular choice and today attaches an interest rate of 4.125% and an APR of 4.304%. As far as the 15 year version goes, Citi is advertising a best daily rate of 3.375% and 2.647% for refinance customers.

Mortgage rate scan of course fluctuate without warning and are therefore in no way guaranteed until agreed upon by the bank. Please contact lenders directly for accurate quotes.

SunTrust Posts Few Changes in Advertised Mortgage Rates for August 20

SunTrust Posts Few Changes in Advertised Mortgage Rates for August 20SunTrust is like many of its rival lenders having something of a stable week so far, with few big changes having crept into the equation since Monday. That being said, the deals on offer are generally rather middle-of-the-road and can’t be likened to those of the market’s leaders, but those that qualify for the best deals of all could certainly do a lot worse than give SunTrust a try.

As far as August 20 goes, the best 30 year fixed rate home purchase loan at SunTrust is coming out at 4.375% and yields an APR of 4.483%, while the shorter 15 year version of the same loan now attaches an interest rate of 3.300% and an APR of 3.510%.

The 5/1 ARM for home purchase is looking strong once again at 3.200% to start and with a variable APR of 3.090%, while those taking out the FHA 30 year home purchase loan can expect to face an interest rate of 4.000% and an APR of 5.677%.

All of the above rates are to be taken as representative examples only and may change considerably in accordance with the borrower’s circumstances and financial situation.

Mortgage Rates Today: TD Bank Continues Strong Run of Value – August 20

Mortgage Rates Today: TD Bank Continues Strong Run of Value – August 20It’s looking like a relatively stable week at TD Bank as far as mortgage rates are concerned, with August 20 having so far brought little to no change to the lender’s best rates. The amazingly low benchmark deals of last week are not expected to make an appearance again anytime soon, but the general level of value for money on offer is still pretty pleasing to say the least.

For those looking to pick up a new home with the help of TD Bank today, 30 year fixed rate loans are on offer for 4.375% and carry an APR of 4.493%, while the shorter 15 year option can see balances paid off for a lower rate of 3.500% and APR of 3.702%.

Over on the refinance side of things, there’s a good deal being advertised on the 30 year fixed rate loan which is now on offer for 4.438% and with an APR of 4.558%, while borrowers looking to refinance over 15 years will instead be looking at a rate of interest of 3.562% which equates to an APR of 3.767%.

TD Bank offers such sample rates as examples only as all deals are offered in accordance with borrower circumstances and qualification criteria. For an exact quote and to discuss the options available, please make direct contact with the lender.

Mortgage Rates Today: Bank of America Still Ahead on August 20

Mortgage Rates Today: Bank of America Still Ahead on August 20Bank of America has so far managed to hold onto its place at the front of the pack pretty well, having posted consistently low home purchase and refinance rates all week long. Here we are at the half-way point and there’s little to no real movement to speak of, which in the case of those yet to lock in their ideal loans is really anything but a bad thing.

As far as best advertised rates go, Bank of America is listing the 30 year fixed rate loan for just 4.125% today and with an APR of 4.241%, while those more interested in the shorter 15 year loan will find in on the books for 4.000% and 4.162%.

For August 20, the best 5/1 ARM being advertised at BoA is coming up at 3.375% to start and yield an opening APR of                 3.543% variable.

Over on the refinance side of the business, the BoA 30 year loan can be taken out and locked in for 4.250% and today carries an APR of 4.351%, while 15 year versions of the same fixed rate loan are now at 4.125% and 4.250%.

To refinance with an adjustable rate loan, borrowers taking out the 5/1 ARM are looking at 3.500% to start and a variable APR of 3.645.

Best-quoted rates are only applicable to those satisfying all necessary borrowing criteria – please contact lender directly for further details.

 

British Man Given Accidental Vasectomy in Botched Hospital Procedure

British Man Given Accidental Vasectomy in Botched Hospital ProcedureA British man is seeking compensation after being given an accidental vasectomy after attending a hospital appointment for a minor surgical procedure. Having now been told that the procedure cannot be reversed, officials have admitted that the mistake should never have happened and are expected to agree to a payout.

In the aftermath of the event, the surgeon responsible has been fired from The Royal Liverpool Hospital where the last year alone has brought to light at least five surgical errors, including one patient being left with a surgical swab inside them.

“This is a truly shocking and worrying case. From what we know there has been a catastrophic breakdown in procedure, as simple checks designed to ensure the correct operation is carried out on the right patient seem to have failed,” said Ian Cohen following the event.

“If a 25-year-old who wants a family is told he won’t be able to father children, it will be devastating.”

“In the last 12 months, three serious incidents and two never events occurred in our urology department and these were reported to the appropriate bodies,” said Dr Peter Williams of the Royal Liverpool and Broadgreen University Hospitals NHS Trust.

“We are still in the process of investigating some of these incidents, including looking at how to improve the processes and systems in place and are taking appropriate action.”

Apple’s Reversible USB – The Answer to a World of Woeful Waggling

Apple’s Reversible USB – The Answer to a World of Woeful WagglingIt’s looking like Apple may have come up with a solution for mankind’s age-old problem of USB waggling.

It’s an irritation that every modern device owner in the world is familiar with – trying to get a USB cable into any given socket and finding it impossible to get it the right way up. Sure there are only two ways it could possibly go in, but still…it’s a pain in the backside.

As for Apple, their take on the subject appears to be a new Lightning cable which on both ends features a connector that can be plugged in either way up. Which means for the first time, the iPhone 6 will ship with a cable that features a USB connector that can put slid into any compatible device without the owner having to worry which way up it is.

A killer feature for the iPhone 6 this might now be, but it’s nonetheless likely to be the first of a new standard of USB cables that don’t have a wrong or right way up.

It’s once again Mr. Sonny Dickson we have to thank for the goods – a chap with a decent enough record for getting these kinds of things right. The new USB cable – aka the Type-C cable – is said to already be in mass production alongside the iPhone 6 ahead of its launch next month.

 

Daughters Offer Twice As Much Care to Elderly Parents as Sons, New Study Finds

Daughters Offer Twice As Much Care to Elderly Parents as Sons, New Study FindsIt’s official – if you want to be looked after as well as possible during your senior years, you need to make sure you have plenty of daughters! That’s according to the results of a new study anyway which appear to have validated generations of generally-shared opinions on who gets more stuck in with care for elderly parents.

Data collected by the University of Michigan seems to prove outright that while daughters give 1.3 hours of their time on average each month to their elderly parents, sons devoted just 5.6 hours per month to their aging folks.

“In other words, daughters provide twice as much time,” said Angelina Grigoryeva, lead author of the study.

“This suggests that sons pass on their parent caregiving responsibilities to their sisters.”

Mobile App Market Peaks as Consumers Settle In with Prior Purchases

Mobile App Market Peaks as Consumers Settle In with Prior PurchasesHas the global market for mobile apps reached its peak? If the latest figures are anything to go by, this might well be the case.

The new figures from Deloitte make interesting reading to say the least, suggesting that for the first time in recent history the monthly average for app downloads is actually on the decline. Last year, the firm’s report suggested that every consumer with a mobile device downloaded an average of 2.32 apps. As for 2014, it’s fallen to just 1.82 apps per user.

And at the same time, the report also suggested that there are now more people than ever before not downloading any apps at all – 31% of mobile device users compared to the 20% of the same time last year. As far as Deloitte is concerned, the primary reason for the decline could be the fact that most Smartphone and Tablet PC owners have long-since stocked up on all the games and apps they need, giving them little to no reason to go out and hunt for new software.

The way in which the mobile app market exploded in size over recent years brought the kind of app download acceleration that was never going to be able to keep up its momentum for long. The app market itself continues to grow as amateur designers join the prod with the own software designs, but in terms of purchases and downloads, the inevitable peak and slowdown seems to have hit.

This also happens to be the exact explanation given for why Tablet PC sales seem to be dwindling month after month – buyers already have all they need for the foreseeable future and just aren’t on the lookout for anything new.