--- title: "Monday Mortgage Memo: December 10, 2012" description: Check out the mortgage rates for 12/10/12! image: https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg --- [![Bank Of Little Rock Mortgage](https://blog.blrmortgage.com/hs-fs/hubfs/images/logo-1.png?width=730&height=217&name=logo-1.png "Bank Of Little Rock Mortgage")](http://www.blrmortgage.com/) # The Mortgage Statement # Monday Mortgage Memo: December 10, 2012 Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Mon, Dec 17, 2012 @ 02:16 PM - [Tweet](https://twitter.com/share) ![Arkansas Mortgage Rates](https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg?width=504&height=207&name=blrm_email20banner_green_600x2002.jpeg) ![Arkansas Mortgage Rates](https://blog.blrmortgage.com/hs-fs/file-18409393-png/images/screen_shot_2012-11-19_at_10.55.48_am.png)Rates are still at the same low level as they were last week, so they are standing firm at their historic-low records.  If you are considering a refinance, it is important to first calculate how much money a refinance would cost you and how much the refi could save you. Here is a [great article from GoBankingRates.com](http://www.gobankingrates.com/mortgage-rates/how-to-calculate-how-much-refinance-rates-save-mortgage-loan/) that guide you through the calculating process. And feel free to use our easy [Arkansas Mortgage Calculators](http://www.blrmortgage.com/simple-mortgage-calculators/) to help with the math.  Bank of Little Rock Mortgage is also rolling out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We call it [The Mortgage Statement](https://blog.blrmortgage.com/blog).   Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to [get prequalified for a mortgage online.](http://www.blrmortgage.com/get-preapproved-for-a-home-loan/) If you have any questions, comments or concerns, we would love to hear from you. Just [contact our Arkansas Mortgage Lenders](http://www.blrmortgage.com/contact-us/) and let us know what you need.  Happy Monday, Scott McElmurry ![](https://blog.blrmortgage.com/hs-fs/Screen_shot_2012-08-03_at_9.42.21_AM.png) President & CEO of Bank of Little Rock Mortgage NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our [Today's Rates](http://www.blrmortgage.com/what-are-todays-mortgage-rates/) page.   Tags: [mortgage rates](https://blog.blrmortgage.com/blog/topic/mortgage-rates), [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [first-time home buyer](https://blog.blrmortgage.com/blog/topic/first-time-home-buyer) ### Subscribe Email ### Latest Posts ### Posts by category - [choose a mortgage (10)](https://blog.blrmortgage.com/blog/topic/choose-a-mortgage) - [Closing (1)](https://blog.blrmortgage.com/blog/topic/closing) - [credit score (1)](https://blog.blrmortgage.com/blog/topic/credit-score) - [Current mortgage rates (6)](https://blog.blrmortgage.com/blog/topic/current-mortgage-rates) - [first-time home buyer (5)](https://blog.blrmortgage.com/blog/topic/first-time-home-buyer) - [first-time home buying (6)](https://blog.blrmortgage.com/blog/topic/first-time-home-buying) - [Get pre-qualified online (1)](https://blog.blrmortgage.com/blog/topic/get-pre-qualified-online) - [Get preapproved online (2)](https://blog.blrmortgage.com/blog/topic/get-preapproved-online) - [Get prequalified online (3)](https://blog.blrmortgage.com/blog/topic/get-prequalified-online) - [how do I calculate my credit score (1)](https://blog.blrmortgage.com/blog/topic/how-do-i-calculate-my-credit-score) - [How do I refinance (6)](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance) - [How to buy a home (7)](https://blog.blrmortgage.com/blog/topic/how-to-buy-a-home) - [mortgage insurance (2)](https://blog.blrmortgage.com/blog/topic/mortgage-insurance) - [Mortgage payment (5)](https://blog.blrmortgage.com/blog/topic/mortgage-payment) - [mortgage rates (6)](https://blog.blrmortgage.com/blog/topic/mortgage-rates) - [preapproval (1)](https://blog.blrmortgage.com/blog/topic/preapproval) - [prequalification (1)](https://blog.blrmortgage.com/blog/topic/prequalification) - [refinance your home (1)](https://blog.blrmortgage.com/blog/topic/refinance-your-home) - [Rent vs. Buy (1)](https://blog.blrmortgage.com/blog/topic/rent-vs-buy) - [what is a credit score (1)](https://blog.blrmortgage.com/blog/topic/what-is-a-credit-score) - [what is exactly is a mortgage refinance (1)](https://blog.blrmortgage.com/blog/topic/what-is-exactly-is-a-mortgage-refinance) - [what is involved in buying a home (2)](https://blog.blrmortgage.com/blog/topic/what-is-involved-in-buying-a-home) ### Follow Me © 2015 [Privacy/Legal](https://blrmortgage.hs-sites.com/blog) [Site Map](https://blrmortgage.hs-sites.com/blog)