What Sets Mortgage Interest Rates?

I write about mortgages, refinancing and real estate here:

• A Primer On Mortgage Interest Rates
• What Determines Mortgage Interest Rates?
• Mortgage Applications Rise
• 30-Year Fixed Rate Mortgages Hit Record Lows
• Did Wachovia Corp. Use Deceptive Marketing To Sell Mortgage Products?
• Goldman Sachs Getting Sued For Junk Mortgage Securities
• Obama Predicts It Will Take A Year For Housing To Turn Around
• What's The Tea Party Plan For The Housing Market?
• Guaranteed to Fail: Fannie Mae, Freddie Mac and the Debacle of Mortgage Finance