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Mortgage rates(http://todaymortgagerates.net/) are very important in one countries economy as many banks depend on the securities having backed up the mortgage. Also about the mortgage there is a saying in the old business people that "rates take the stairs down and the elevators up" which means that the rates take a fairly long time to come down where as mortgage rates tend to rise sharply. This saying is used in older crowds. Keeping in view this saying we will study the today's mortgage rate and we will prove this statement wrong.