Mortgage rates in Salem, OR are 3.25% to 3.75% depending on the % of the downpayment and the amount of years the term will be the loan and if it is a 15 or 30 year fixed loan or a FHA loan.
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What the base line interest rates are when you are taking out your mortgage will determine which is the best value. Remember what is the lowest rate now may not be the lowest in a couple of years.