Seattle Mortgage Rates Today, February 13, 2009: The Stimulus Package has been voted a yes so far but the market has not really reacted yet. Mortgage rates have creeped up but all eyes remain on the Bad Bank policy. There still is a $7,500 tax credit to all first time home buyers (first time buyers defined as anyone who has not owned a home in the last three years). Currently the $15,000 tax credit has been pulled off the table.