Mortgage delinquency (ratio of borrowers 60 or more days past due) increase for the fifth straight quarter and hit a national average high of 3.23 percent for the first three months of 2008.ALGONA - United States representatives and senators debate bills to bail out the mortgage crisis. To make sure that you're getting the best mortgage rate available in the market, it is important that you also obtain all information on important costs involved. Getting the best mortgage rate is knowing how much of a down payment you can afford. Aside from that, getting the best mortgage rate is knowing what is the interest rate of your loan.