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I have seen a lot of banners saying that the rates are down, but I want to know if the mortgage rates are the same here in California as the rest of the US. It is very expensive here in the Bay Area and I am just curious to know if people in a state like Louisiana are paying less than I am.
Mortgage rates have more to do with your credit rating than anything else. Also different banks have different rates.
It does not hurt to shop around.