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News for: Mortgage Rates
Showing 433 - 456 of 790 results
Jul 19, 2025 3:01 AM
— Mortgage Rates
Single-family construction is getting worse due to rates
The article discusses how Federal Reserve policy is too restrictive for housing production to grow, impacting the fight against inflation. Despite cooling mortgage rates, a policy standstill is keeping them elevated. The data shows that single-family construction is not improving and in fact, getting worse.
Jul 19, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 19, 2025: Fixed mortgage rates see marginal changes
Today's mortgage interest rates have shifted slightly, with the 30-year fixed mortgage rate sitting at 6.72% and the 15-year fixed rate at 5.97%. It could be wise to lock in an interest rate while rates are flat, and there are options like rate buydown programs. Mortgage rates are higher for refinancing than for buying a house. The article also discusses the pros and cons of different mortgage ter... more
Jul 18, 2025 2:01 PM
— Mortgage Rates
Mortgage Rates Barely Budge Today and This Week
Despite the potential for a big reaction to inflation data, mortgage rates managed to hold flat overall for the week. Friday saw a small decrease in rates, but overall, things remained relatively stable. There was no decisive momentum from the week's events, and it is unlikely that there will be another significant reaction until the first week of August.
Jul 18, 2025 12:01 PM
— Mortgage Rates
Rising Rates Hit Mortgage Apps, But Pace Remains Better Than 2024
Mortgage application activity decreased significantly last week due to higher rates, with the Composite Index falling 10.0% on a seasonally adjusted basis. Refinance applications fell by 7% from the previous week, but are still higher compared to a year ago. Purchase applications also dropped by 12%, reaching their lowest level since May.
Jul 18, 2025 9:00 AM
— Mortgage Rates
US mortgage rates are once again on the rise
The average rate on a 30-year U.S. mortgage increased for the second consecutive week, posing challenges for the U.S. housing market, which is currently experiencing a sales slump due to affordability issues.
Jul 18, 2025 9:00 AM
— Mortgage Rates
It Will Take More than Low Interest Rates to Make Houses Affordable
The article discusses how rising bond yields due to inflation data affect mortgage rates, making homes unaffordable for many buyers. It also examines the misconception that lower interest rates can solve the affordability problem, highlighting that rising home prices lead to higher down payments and property taxes. The article argues against the idea that the Fed can force down mortgage rates to i... more
Jul 18, 2025 5:00 AM
— Mortgage Rates
Will mortgage rates fall after the July Fed meeting? Here's what experts expect
Prospective homebuyers and homeowners are eagerly awaiting the Federal Reserve's July meeting to see if it will have any impact on mortgage rates, which have remained high. Experts suggest that a 25-basis-point Fed cut might only lower 30-year fixed rates by 10 to 15 basis points. While immediate rate relief is unlikely, it is advised to prepare for homebuying now to take advantage of the current ... more
Jul 18, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 18, 2025: Mortgage rates are slightly lower than last summer
The article discusses the recent increase in mortgage rates, providing information on current rates and the differences between fixed and adjustable-rate mortgages. It emphasizes the unpredictability of rates and advises prospective home buyers to consider their financial situation rather than solely focusing on rates. Forecasts suggest that mortgage rates will remain relatively high for the near ... more
Jul 17, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Staying Broadly Sideways
Mortgage rates have remained relatively stable despite recent economic data and news headlines. The Retail Sales report suggested a slowdown in discretionary spending, which is generally good for rates, but it wasn't significant enough to cause a major change. The bond market improved slightly after the data, but mortgage rates only shifted by a minimal amount. The economic calendar for the next t... more
Jul 17, 2025 11:00 AM
— Mortgage Rates
Average long-term US mortgage rate rises to 6.75%, second straight uptick
The average rate on a 30-year U.S. mortgage rose for the second week in a row to 6.75%, impacting the housing market that has been struggling with sales slump due to affordability constraints. Mortgage rates influence borrowing costs for homebuyers and their purchasing power. Yields on 10-year Treasury bonds influence mortgage rates, and economists expect rates to remain in the range of 6% to 7% f... more
Jul 17, 2025 10:10 AM
— Mortgage Rates
Mortgage rates rise as investors react to inflation news
Mortgage rates rose this week following the latest Consumer Price Index report which decreased hopes for a Federal Open Market Committee reduction in short-term rates at its upcoming meeting. The 30-year fixed mortgage rate increased for the first time in six weeks driven by a strong jobs report and renewed tariff uncertainty. Loan originators who continued making deals last year shared their secr... more
Jul 17, 2025 9:37 AM
— Mortgage Rates
Mortgage rates move higher again
Mortgage rates increased for the second straight week, with the average rate on a 30-year fixed mortgage reaching 6.75%. The rise in rates was influenced by a climb in 10-year Treasury yields due to uncertainty about tariffs. This led to a 10% decrease in mortgage applications compared to the previous week.
Jul 17, 2025 9:00 AM
— Mortgage Rates
Average long-term US mortgage rate rises to 6.75%, second straight uptick
The average rate on a 30-year U.S. mortgage rose for the second consecutive week, along with borrowing costs on 15-year fixed-rate mortgages. Higher mortgage rates have contributed to a sales slump in the U.S. housing market since 2022. Mortgage rates are influenced by various factors, including the Federal Reserve's decisions and bond market expectations. The rise in rates has discouraged some ho... more
Jul 17, 2025 9:00 AM
— Mortgage Rates
When will mortgage rates go down? Predictions after 2 weeks of increases.
The article discusses the current mortgage interest rates, which have increased slightly in recent weeks. It explains that waiting for rates to drop significantly may not be a good strategy, as current financial data indicate little interest rate relief in the near future. The article also discusses the impact of the Federal Reserve's decisions on mortgage rates and the relationship between mortga... more
Jul 17, 2025 8:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 17, 2025: Rates inch up
The article discusses the recent increase in mortgage interest rates, provides data on the current rates for different types of mortgages, explains the difference between fixed-rate and adjustable-rate mortgages, and lists factors that can influence mortgage rates. It also offers insights on terms like 30-year and 15-year mortgages, which banks offer lower median mortgage rates, and when it may be... more
Jul 17, 2025 4:00 AM
— Mortgage Rates
They bought a house expecting rates to fall. They’re still waiting
Many Americans who locked in a home loan rate above 6% have been waiting for rates to drop and a chance to refinance, but relief has not come. Mortgage rates have remained high for nearly three years, with the average 30-year fixed mortgage rate stuck just under 7%. This has led to higher monthly payments and financial strain for homeowners. Some individuals who took out adjustable-rate mortgages ... more
Jul 16, 2025 11:00 AM
— Mortgage Rates
Mortgage Rates Are Stabilizing – How That Helps Today’s Buyers
Affordability has been a major challenge for homebuyers due to rising home prices and mortgage rates. However, recent months have shown signs of stabilization in mortgage rates, making planning a move easier. Rates have stayed within a half-percentage-point range since late last year, showing less volatility. Experts predict a slow downward trend in rates in the coming months, making timing the ma... more
Jul 16, 2025 6:15 AM
— Mortgage Rates
The ‘lock-in effect’ is making it harder to buy a home—even if mortgage rates fall
A Bankrate survey shows that most homeowners are reluctant to buy or sell homes in 2025 due to the high mortgage rates compared to pre-2021 rates. The reluctance is contributing to historically low home sales volume, with first-time buyers struggling to afford high prices. Mortgage rates have more than doubled in the past four years, with 30-year fixed-rate loans hovering near 6.5% in 2025.
Jul 16, 2025 6:00 AM
— Mortgage Rates
Zacks Industry Outlook Highlights Annaly Capital Management, Dynex Capital and Ellington Financial
The Zacks REIT and Equity Trust industry is experiencing volatility in mortgage rates due to macroeconomic uncertainty, leading to earnings pressure for industry players. Despite affordability challenges in the housing market, purchase originations and refinancing activities are improving. Companies like Annaly Capital Management, Dynex Capital, Inc., and Ellington Financial LLC are well-poised to... more
Jul 16, 2025 6:00 AM
— Mortgage Rates
Mortgage Rates Are Stabilizing – How That Helps Today’s Buyers
Affordability has been a challenge for homebuyers due to rising home prices and mortgage rates, but recent months have seen a stabilization in mortgage rates, making planning for a move easier. Rates have stayed within a narrow range for several months, providing more predictability for potential buyers. Experts predict a slow downward trend in rates, but advise against trying to time the market. ... more
Jul 16, 2025 4:00 AM
— Mortgage Rates
Weekly mortgage demand plummets 10%, as rates and economic concerns rise
Renewed concerns over tariffs and the broader economy led to higher Treasury yields and subsequently higher mortgage rates. As a result, mortgage application volume dropped by 10% compared to the previous week. Rates for 30-year fixed-rate mortgages increased to 6.82% from 6.77%, with points remaining unchanged at 0.62. Purchase mortgage applications fell by 12% for the week, while applications fo... more
Jul 15, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Move Higher Despite Decent Inflation Reading
Mortgage rates are typically influenced by inflation reports. Today's inflation numbers were lower than expected, causing bond trading to initially imply lower rates. However, the impact of tariffs on certain CPI categories led to a more muted reaction in terms of the Fed rate cut outlook.
Jul 15, 2025 7:00 AM
— Mortgage Rates
What homebuyers should do before rate cuts, according to mortgage experts
The article discusses the impact of the Federal Reserve's decisions on mortgage rates and advises potential borrowers to prepare for possible rate cuts later in the year. It emphasizes the importance of understanding the relationship between the Federal Reserve and mortgage rates, improving credit scores, and finding the right home and mortgage that fit one's budget.
Jul 15, 2025 7:00 AM
— Mortgage Rates
Current mortgage rates report for July 15, 2025
The average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S. is currently 6.717%, up slightly from the prior day. Rates have been hovering around 7% for a while, despite anticipation of a decline with the Federal Reserve reducing the federal funds rate. Experts believe rates around 6% are likely if inflation is controlled and lenders are optimistic about the economy. Fac... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.