What is the definition of Mortgage Interest Rate Now?

A mortgage interest rate is the little piece of financial magic that keeps your house from becoming your own personal time machine to the 1950s. It's like the invisible hand of the lender, whispering sweet nothings (or maybe just grumbling) about how much you owe each month, and then asking if you're ready to pay it off with a little more cash than you've got.

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Now, here's an edgy example sentence: "The mortgage interest rate on my 30-year old home is currently hovering around 6.8%, and I'm wondering if my mortgage payment might become an annual vacation expense."