US Consumer Banking's real estate property reporter says mortgage interest rates are finally starting to rise, after two years sitting at record low levels. You can look for some upward pressure to keep them rising over the next two years. To find the lowest current mortgage rates, our advice is to always check national banks and national mortgage brokers that you can access online via the internet. Their nationwide coverage and large size usually allows them to offer the best rates. The internet easily allows you to compare the best available rates for mortgage refinancing, too.Only a short time ago, the current interest rates on home mortgages were less than 4%. As you can see from our market data center, mortgage interest rates have started to rise, and the good news is that many banks and financial institutions, whose loan rates can be checked through our mortgage rates table, have the best rates nationwide. If they are a reputable mortgage lender of size you can find them in our tables. If you have a home for sale, you can see what your buyer is likely to be paying and can adjust your asking price accordingly.Over time, mortgage rates are expected to continue rising as the US government stops flooding the markets with liquidity and starts fighting inflation. Therefore earlier is better than later if you are looking to lock in to a long-term mortgage loan having a 30-year or 15-year maturity. Whether you are seeking a fixed mortgage rate or adjustable rate loan, you should compare mortgage rates from this table.The prospect of rising rates is good news if you have found a home you want to buy, have a steady job, sufficient cash for your down payment and are ready to arrange your mortgage now. If you want to do a refi, now is a good time as well. Housing prices might fall a bit further because of an oversupply situation caused by foreclosures, but the rates are somewhat independent of that situation. For the best mortgage interest rates possible, come back often and check our comparison table before you take the plunge.