--- title: "Monday Mortgage Memo: January 14, 2013" description: Mortgage are staying low through the month of January. So be sure to look into getting preapproved for a mortgage online. 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 14, 2013 Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Wed, Jan 16, 2013 @ 04:48 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)Our mortgage rates are continuing to remain stable through the month of January, even with the national averages rising. Be sure you get the best rate you can while our rates are still low.   While many are speculating that the refinance boom will come to an end this year, it is still a good idea to refinance even if you were unable to get around to it before the New Year. Here are [four reasons from Yahoo! Homes](http://homes.yahoo.com/news/reasons-to-refinance-in-2013-174936618.html) on why it may be a good idea for you to refinance this year.  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 [our Arkansas Mortgage Lenders](http://www.blrmortgage.com/contact-us/) and don't forget to use our [Arkansas mortgage calculators](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: [mortgage rates](https://blog.blrmortgage.com/blog/topic/mortgage-rates), [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance) ### 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)