Homeowners struggling to make their monthly mortgage payments have turned to the federal government and their lenders for loan modifications, many with little success. An educational webinar is now available to assist these homeowners with their loan modifications.

Wells Fargo Home Mortgage reports today that mortgage rates are the same in every category except for 30-Year Fixed Rate Conforming Loans. Those rates rose slightly since yesterday to 5.000%.

Mortgage applications in the U.S. rose last week by 21%, according to the Mortgage Bankers Association (MBA). With both refinancing and purchase applications up, this news could signal improvement in the housing market.

Wells Fargo Home Mortgage rates stayed low today, with 30-Year Fixed-Rate loans available at 4.875% interest. Homeowners with higher interest rate mortgages may want to meet with a lender to see if they can take advantage of these rates.

Today's mortgage rates have dropped below 5%. This situation may lead home buyers and homeowners interested in refinancing to consider a 15-Year Fixed-rate mortgage, at the low interest rate of 4.250%.

The Department of Housing and Urban Development (HUD) modified their own Home Affordable Modification Program (HAMP)to speed up the process of approving borrowers into a permanent loan modification.

Wells Fargo Home Mortgage lists today's mortgage rates as holding steady from last week. Interestingly, the gap between fixed-rate and adjustable-rate mortgage (ARMs)loans has widened, which could mean an increase in ARM applications.

Current mortgage rates tilted slightly up overnight according to Bankrate.com. This could slow down mortgage refinancing applications and make home purchases more expensive.

The Mortgage Bankers Association (MBA)released today an interesting snapshot of mortgage applications data for the week ending January 22, 2010. Overall, the Mortgage Composite Index, a measure of loan application volume, decreased 10.9% on a seasonally adjusted basis from the previous week.

Wells Fargo Home Mortgage reports that today's interest rate for a 30-year fixed-rate mortgage is 5.000%, remaining steady from last week's rates.

The Federal Housing Administration (FHA) announced several policy changes designed to reduce the risk of FHA home loans to lenders and to strengthen the financial position of the FHA. Borrowers applying for FHA home loans will find themselves paying a little bit more for these loans and needing to meet higher standards for their credit scores.

Today's mortgage loan rates, as reported by Quicken Loans, dropped as low as 4.875% for a 30-year, fixed-rate loan. As a result lenders should expect another week of increasing mortgage refinancing applications.