As the existing borrowers either get on top of their loans with govt. help or continue on to foreclosure, the focus will shift even more to how the lenders can be helped in dumping their excessive foreclosure inventories. As the governing body doesn’t need to become a direct bank, they have to keep the enormous banks in business to make the loans that’ll be warranted by taxpayer greenbacks. With the newest Federal interest rate drops, some first residence loans are being made at 4.5%, with rates available for rental properties also moving toward record lows. It’s all coming together to supply an exciting mortgages Real Estate investing environment in 2011 : Awfully low interest rates Government motivations to banks to increase mortgage lending More government guarantees at higher dollar amounts A new administration certain to announce new initiatives There is also going to be a strong demand for quality rental housing for some considerable time to come. Those who lost their homes will have to rebuild their finances and credit histories before another purchase. With all these factors in play, we can only end this with the same word for 2011 that we began with, Wow! www.mortgageleadsource.com