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There are some situations where you may end up having two mortgages on one home – a first and a second mortgage. There are a number of reasons for doing this, but they all raise the question of what your effective mortgage rate will be – the "blended rate" of the two loans.
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Mortgage Rates | Current Mortgage Rates & Quotes – This happens because often lenders will allow loan officers to set the rate that they quote their customers within a range. So if you get quoted two different rates from two different loan officers at the same company – one of them isn’t giving you the best possible rate. Mortgage Rates: How To Get The Best Deal
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