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<li><b>Treasury Yields:</b> Mortgage rates often track the yield on 10-year Treasury bonds, as these bonds are seen as a benchmark for long-term interest rates.</li>
<p>Your credit score is a crucial factor in determining the interest rate you'll qualify for. Lenders view borrowers with higher credit scores as less risky, and they reward them with lower interest rates. Conversely, borrowers with lower credit scores are considered higher risk and typically face higher interest rates.</p>



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<h3>Varying Regulations Around the World</h3>

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