Reports from fellow mortgage professionals are indicating that mortgage rates are improved this morning. The par 30 year conventional rate mortgage is in the 5.00% to 5.25% range for the best qualified consumers. In order to qualify you must have a FICO credit score of 740 or higher, a loan to value of 80% or less and pay all closing costs including 1 point loan origination/discount/broker fee. You may elect to take a higher interest rate with reduced costs. For consumers electing to access home equity, you should expect either a higher interest rate or increased costs....