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Business television is abuzz this morning with talk of "four-point-five percent mortgage rates"; the clip above ran on NBC Today. The news stems from a leaked story that the U.S. Treasury will intervene in the mortgage market, lowering rates a full percentage point below their current levels.

As cited by every journalist in every publication, however, the story is 100% speculation. Naturally, that doesn't stop the press from covering it. When hope for homeowners gets spread in this manner, it's important to remember some facts:

1. The Treasury doesn't set mortgage rates -- Wall Street traders do. Historically, rates are based on the Supply and Demand for mortgage-backed bonds.
2. Treasury intervention doesn't guarantee low rates. That mortgage rates are up by a half-percent since last week proves it.
3. Zero details about the plan have been confirmed, quoting CNBC. Everything you've heard about 4.5 percent rates is a guess at this point.

But, perhaps most importantly, nearly every analyst interviewed has expressed a belief that a Treasury-sponsored stimulus would apply to home buyers only. Homeowners wanting a refinance, in other words, would be ineligible.

Mortgage rates are very low today compared to where they've been in 2006, 2007 and 2008. If you think your mortgage rate is too high for this market, reach out to your loan officer to review all of your options. If rates really do reach 4.500 percent, you can always refinance again later.

One of the greatest services we are privileged to offer our clients is debt consolidation. Why spend a significant portion of your monthly income on high interest loans that are not tax deductible? We will help you save hundreds of dollars a month and increase your tax deductions so that you can be debt-free and live the lifestyle you desire.

As a leader in the mortgage industry, we aim to deliver excellence in every area. Based on client feedback, we constantly strive to improve our systems and technology to increase our efficiency and success ratio. Because market conditions are constantly in flux, we keep our fingers on the pulse of mortgage back securities to ensure that you get the best interest rate possible.

We believe everyone deserves to own their home. We can help you get there. Choosing the right lender is a key element to managing your mortgage. As a mortgage professional, our goal is not to provide you with a loan, but also help you select the one most beneficial to you and your long-term goals. After that, we will help you manage that debt over time. Few lenders provide this type of ongoing, personalized service.

Funding your loan is just the beginning of our relationship with you. We want you as a lifetime customer, not just a one-time deal. We will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. We will also stay in touch and continue to educate you so that we can be your ultimate resource for mortgage financing information- your Trusted Advisor- today, tomorrow, and beyond!

Credit challenges in the past? We can help get you back on track. Did you know that in some cases, improving your credit score by less than 10 points can save you thousands of dollars interest over the life of your loan? Call or schedule an appointment today!

Because mortgage loans are uniquely individual, we offer a wide range of residential loan programs tailored to your specific needs, including:

      Adjustable Rate Mortgages

      Fixed Rate Mortgages

      First Time Home Buyer

      Debt Consolidation

      Non-owner Loans

      100% New Home Financing

      Construction & Home Improvement

      Bad or No Credit

      Commercial Loans & Much More

We understand the loan business to be a fiercely competitive market. But we also believe that there is more to home financing than simply securing the lowest interest rate. That is why we ask a lot of questions and take the time to listen to your answers concerning your overall financial picture. We want to offer you the best option to achieve your financial goals, whether it is buying your first home, consolidating debt, or preparing for retirement.

EZ Funding Group, Inc knows what it takes to be a successful lender. Since the start of our operation, our dedication to exceed your expectations and gurantee your satisfaction has made us what we are today. From start to finish in the loan process, we provide no less than exceptional service to our most prized possessions-our customers.