List at least two ways a consumer can lower his or her mortgage interest rate.

Here are five things you can do to reduce your mortgage rate when you refinance or purchase a home: Add one point to your credit score. Most non-government mortgage programs are priced by credit score, in 20-point tiers. If your FICO is 680 points, for example, you pay significantly less than if it's 679.

Step-by-step explanation:

18

Step-by-step explanation:

Given 12 divided by (6) + 4 squared

Algebraic expression will be ⇒ 12 ÷ 6 + 4²

We will use associative property to solve the expression, we will combine some numbers and operations with parenthesis to do it first.

So, the given expression = 12 ÷ 6 + 4²

= 12 ÷ 6 + 4 × 4

= (12 ÷ 6) + (4 × 4)

= 2 + 16

= 18