--- title: "Monday Mortgage Memo: January 7, 2013" description: Check out this week's mortgage rates from Bank of Little Rock Mortgage. 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: January 7, 2013 Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Fri, Jan 11, 2013 @ 03:31 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=514&height=212&name=blrm_email20banner_green_600x2002.jpeg) ![Arkansas Mortgage Rates](https://blog.blrmortgage.com/hs-fs/file-18409594-png/images/screen_shot_2012-12-31_at_9.21.31_am.png)Mortgage rates remain the same from last week with a 2.5 percent for a 15-year fixed rate and 3.125 percent for both 30-year and 20-year fixed rates. And these rates are expected to stay low at least for the rest of the month.  When it comes to applying for a home loan or refinancing, it's important to have all of your facts straight. There are several myths you may come across before and after you apply that may stop you from accessing all of your home loan options. Here's [a great article from Inman News](http://www.inman.com/buyers-sellers/columnists/jackguttentag/4-refinance-myths-debunked), an online news source dedicated to real estate and mortgage information, that debunks several misconceptions about the mortgage process.   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 [Arkansas mortgage lenders](http://www.blrmortgage.com/contact-us/) and view or [Arkansas mortgage calculator](http://www.blrmortgage.com/simple-mortgage-calculators/). 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: [Current mortgage rates](https://blog.blrmortgage.com/blog/topic/current-mortgage-rates), [Mortgage payment](https://blog.blrmortgage.com/blog/topic/mortgage-payment) ### 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)