rate for a 30-year fixed mortgage moved from 6.26 percent ...The average U.S. The federal government's takeover of mortgage giants Fannie Mae and Freddie Mac translated into lower mortgage rates Monday and should keep credit available for home loans. It is relatively easier to apply for an online mortgage that it is for an offline mortgage. The Internet is a wonderful tool and one which you can take full advantage of when looking for the best deals in online mortgages.