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Most people will agree that mortgage rate is the key factor mortgage borrowers look into before availing themselves of mortgages! Mortgage rate is defined as 'the standard interest rate given by mortgage lenders' and 'the rate of interest paid on the mortgage loan expressed as a percentage'.

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Being unable to pay the mortgage is one of the worst fears of home owners. When a person faces a prospect of losing is home he feels very discouraged and demotivated. In each state, there is a different process for foreclosing a house.