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Low AZ mortgage interest rates? High AZ mortgage interest rates? Where will they move next, up or down? Arizona mortgage interest rates can fluctuate many times during each day that the financial markets are open. Arizona mortgage rates tend to follow the bond market. When bond prices rise Arizona mortgage rates tend to fall.

Ordinarily, when you contact a Arizona mortgage lender and request an interest rate for a particular program, be it a fixed rate or a variable rate program, you will be quoted the rate that is available at that moment. In the event that you do not begin the loan process by filling out a 1003 Uniform Residential Loan Application, the loan officer most likely will not be able to "lock in" the Arizona mortgage interest rate for you. A call back to the same Arizona mortgage lender later that same day may result in, higher, lower, or perhaps, the same AZ mortgage interest rates being available--depending on the volatility of the financial markets on that day.

Some mortgage lenders may charge a fee to "lock in" Arizona mortgage interest rates, while others will lock the rate for free based on your good faith interest in getting a loan. Typically Arizona mortgage lenders will not lock the rate until you sign a 1003 Uniform Residential Loan Application.

Other Arizona lenders rates to high? Get 4 competitive Arizona mortgage quotes now.