As a rule of thumb, mortgage interest rates go up when the economy is strong and stock prices rise. On the other hand, if economy weakens, mortgage interest rates go down. In today's market, the mortgage interest rates are much lower than they were in the mid-1980s to the 90s. But within the next year or two, financial experts have come up with predictions mostly outlining the rise of mortgage interest rates. In addition, a reverse mortgage can offer you cash as a "creditline" account. This creditline account from a reverse mortgage will let you get the amount of money you want whenever the need arises. And if none of these methods suits you, reverse mortgage cash may be given to you using any combination of the abovementioned methods. But even then, interest-only mortgage rate programs are made available to borrowers who want to avoid incurring penalties when taking large equity sums. Below are some interest-only mortgage rate programs made available to you: One Month Libor Loan - The interest-only mortgage rate of this loan is the sum of the LIBOR index plus a margin of 0.125%. Higher Interest Rates for Bad Credit Mortgage Loans It is only natural that high interest rates are charged for those borrowers who are on a bad credit mortgage loan. Handing out loans to borrowers with poor credit is a risky business and lenders want compensation for the risks they're taking. Bad Credit Mortgage Loan Limits But while rates are indeed high in bad credit mortgage loans, there are also limits to these. When you shop around to do a mortgage rate comparison, there are a few things you need to keep in mind. First, to get accurate information for your mortgage rate comparisons, see that any investment firm you are dealing is authorized. Second, do make sure that you know what you are looking for. Mortgage rate comparisons are a serious activity to be undertaken and should not be taken lightly. To avoid this, an adjustable mortgage rate may help you get started on a lower mortgage rate, but if interest rates grow, your monthly mortgage payments will rise also. Fixed mortgage rates are usually higher than adjustable mortgage rates but they can save you money too, especially if the interest and mortgage rates go up.