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News for: Interest Rates
Showing 25 - 48 of 237 results
Sep 22, 2025 9:23 AM
— Interest Rates
Deluge of Fed Speakers as Market Waits For Next Week's Jobs Report
Despite the release of PCE inflation data for August, which is important for assessing progress towards the 2% target, the current week is not considered to have high-consequence data due to various reasons. PCE inflation is not as impactful as CPI since it comes out later and has less surprise potential. The focus is currently on the evolving employment landscape in guiding the next steps for rat... more
Sep 21, 2025 3:23 AM
— Interest Rates
Mortgage and refinance interest rates today, September 21, 2025: Mixed following the Fed rate cut
The mortgage interest rates are mixed post-Fed rate cut, with the 30-year fixed rate slightly down at 6.32% and the 15-year rate slightly up at 5.70%. Fixed-rate mortgages lock in your rate for the life of the loan, while adjustable-rate mortgages have a fixed rate for a certain period then change annually. Mortgage rates are expected to remain stable with minor fluctuations.
Sep 19, 2025 2:24 PM
— Interest Rates
What the current Fed rate outlook means for servicing
The recent drop in long-term rates in anticipation of a 25 basis point cut by the Federal Open Market Committee has impacted servicing, but once the cut was confirmed, financing costs stabilized. Housing finance firms are more concerned with potential actions beyond the anticipated cut rather than the cut itself. Freddie Mac reported a 9 basis point drop in the 30-year fixed rate mortgage, with mu... more
Sep 18, 2025 2:24 PM
— Interest Rates
Will September Deja Vu Continue?
Rates rallied before the Fed rate cut in September 2024 and then increased afterwards due to positive economic data. Lenders are now feeling defensive as rates have risen about a quarter point. The spike is driven by recent developments and could change depending on upcoming economic data.
Sep 18, 2025 10:25 AM
— Interest Rates
Here are the 3 biggest ways the federal interest rate cut could impact your money
The Federal Reserve made the first rate cut since December, reducing its federal funds rate by a quarter point. This cut will affect various financial products, with home equity lines of credit and mortgage rates being among the most impacted. Consumers with a HELOC can expect to see a significant reduction in their interest rates, while mortgage rates are already declining. However, this rate cut... more
Sep 18, 2025 6:24 AM
— Interest Rates
Losing Ground After Stronger Econ Data
This morning's economic reports show jobless claims and Philly Fed results, with claims at low levels and Philly Fed stronger than expected. Bonds were slightly stronger before the data, but yields have started to rise since then. Fed Funds Futures had a surprisingly big reaction to the data.
Sep 18, 2025 5:27 AM
— Interest Rates
What the Fed’s first rate cut of the year means for your wallet
Peter Navarro praised President Trump's TikTok deal, called for deeper Fed cuts, and defended his imprisonment as political. The Fed's recent interest rate cut is expected to ease monthly payments on mortgages and credit card debt. The cut could save credit card users $1.92 billion in interest over the next year. Mortgage rates will continue to respond to economic data, potentially leading to more... more
Sep 17, 2025 6:24 PM
— Interest Rates
What the Fed rate cut means for your home, car and credit card loans
The article discusses a Federal Reserve rate cut and its potential impact on mortgage and car loans.
Sep 17, 2025 2:25 PM
— Interest Rates
Fed Day Selling Spree as Press Conference Trumps The Dots
In response to today's Fed announcements, the bond market initially rallied, but later reversed course after Fed Chair Powell's press conference. Powell's comments about the dot plot not indicating two future rate cuts in 2024 led to concerns about the economy, causing yields to rise. Despite the short-term reversal, yields closed around the same levels as two days earlier.
Sep 17, 2025 1:25 PM
— Interest Rates
Mortgage Rates HIGHER (Not Lower) After Fed Rate Cut
On Fed Day, the rate cut announcement is typically the least important aspect for mortgage rates. The dots released by the Fed showing rate forecasts and the press conference with the Fed Chair have a bigger impact on bonds that determine mortgage rates. Today, the dots signaled better odds for two additional cuts in 2025, leading to back and forth volatility in the bond market. Mortgage rates are... more
Sep 17, 2025 11:26 AM
— Interest Rates
The Fed just cut rates, but don’t expect it to help much. Try these 6 moves instead.
The Federal Reserve recently cut interest rates for the first time in nine months, but it may not have a significant impact on the borrowing costs for Americans. The rate cut only takes borrowing costs back to levels previously seen in 2022, which were high. Additional rate cuts are expected, but there are concerns of inflation increasing and unemployment rising. Experts recommend building an emer... more
Sep 17, 2025 11:24 AM
— Interest Rates
Fed rate cut: Here’s what it means for your mortgage rate, credit cards, savings accounts and more
The Federal Reserve announced a quarter point rate cut, impacting borrowing costs for consumers. Credit card rates may ease off, but APRs still high. Mortgage rates are lower than earlier in the year but won't see a significant impact from the rate cut. Auto loan rates are fixed, but new borrowers may benefit. Federal student loan rates reset annually, while private loans could see lower rates. Sa... more
Sep 17, 2025 9:25 AM
— Interest Rates
What to Expect From The Fed Today
The bond market has fully priced in a 25bp rate cut by the Fed, with the possibility of a 50bp cut not realistically considered. The volatility at 2pm ET will be driven by the release of the dot plot showing Fed member rate expectations, particularly focusing on the 2025 year-end level. The question is whether the median 2025 dot will be 3.875 or 3.625, impacting market expectations. Fed Chair Pow... more
Sep 17, 2025 9:24 AM
— Interest Rates
What the Fed’s Rate Decision Means for Loans, Credit Cards, Mortgages and More
The article discusses how the central bank's interest rate stance impacts various financial products including car loans, credit cards, mortgages, savings, and student loans.
Sep 16, 2025 3:23 PM
— Interest Rates
WATCH LIVE: Powell holds news conference after Fed’s highly anticipated interest rate decision
The Federal Reserve began a meeting on interest rate policy with a new Trump administration appointee and an official targeted for removal. This meeting is expected to result in a quarter-point reduction in the key rate, which could lead to further declines in borrowing costs for mortgages, car loans, and credit cards.
Sep 16, 2025 10:23 AM
— Interest Rates
BofA sees ‘path to a 5% mortgage rate’ if the Fed pulls off these 2 things
Bank of America's mortgage-backed securities research team predicts a path to a 5% mortgage rate if the Federal Reserve implements quantitative easing and aggressive yield-curve control. However, the baseline expectation is for mortgage rates to end 2025 and 2026 at 6.25%. Even with a drop to 5%, it may not provide relief to American homebuyers due to tight affordability. Housing stocks have surge... more
Sep 16, 2025 3:23 AM
— Interest Rates
Will credit card debtors catch a break with the expected Fed rate cut? Not really
The article discusses the potential upcoming interest rate decrease by the Federal Reserve, how credit card rates might be affected by this change, and offers advice on how to pay off credit card debt through methods such as balance transfers and debt management plans.
Sep 16, 2025 2:32 AM
— Interest Rates
From crypto to DPA: 8 newest mortgage products, programs
There is an increased likelihood that the Fannie Mae and Freddie Mac conservatorships are coming to an end, leading to questions about expanding their conforming product boxes. Consumers are skipping insurance coverage due to rising costs. Mortgage rates are dropping, leading to a rise in cash-out refinances. The mortgage industry may see changes like eliminating mundane tasks and focusing on trai... more
Sep 16, 2025 2:23 AM
— Interest Rates
Will the Fed cut rates on Wednesday? See 5 economic charts that may determine its decision.
The Federal Reserve is expected to make its first rate cut of 2025, with President Trump pushing for it due to low inflation and economic uncertainties. The labor market is showing signs of distress, but inflation is rising due to tariffs. There is a debate over whether to prioritize lowering unemployment or inflation. Mortgage rates have been affected by various factors, including the strength of... more
Sep 15, 2025 1:23 PM
— Interest Rates
Trump Is Pushing for a Major Interest Rate Cut. The Fed Isn't Expected to Deliver
President Trump is pressuring the Federal Reserve to cut interest rates significantly. The Fed is expected to cut rates, but likely not by as much as Trump wants. Financial markets predict a quarter-point rate cut, but Trump is advocating for a larger reduction. He believes lower rates would lower government debt interest payments and mortgage rates. However, some experts caution that rapid rate c... more
Sep 15, 2025 1:23 PM
— Interest Rates
How does the Fed influence mortgage rates? Here's what to know as policymakers consider trimming borrowing costs.
The Federal Reserve is expected to lower its benchmark interest rate, which could give relief on loans but might not necessarily bring down mortgage rates immediately. Mortgage rates have already fallen due to anticipation in financial markets. The Federal Reserve does not directly impact mortgage rates, but Fed rate cuts affect short-term rates and the lending environment. Fixed-rate mortgages ar... more
Sep 15, 2025 11:23 AM
— Interest Rates
Will mortgage interest rates drop again this week?
Mortgage interest rates have been consistently declining in 2025, reaching an 11-month low and potentially dropping even further due to an expected rate cut by the Federal Reserve. Lenders are already offering lower rates preemptively to remain competitive. However, the exact extent of the rate cut is uncertain, and it is important for buyers to monitor the market closely as rates can fluctuate. I... more
Sep 15, 2025 10:23 AM
— Interest Rates
Fed rate cut: How it might affect your bank accounts, loans, credit cards, and investments
The Federal Reserve is expected to deliver a quarter-point rate cut, impacting deposits, credit, and debt. Interest rates on deposits have remained low with savings accounts paying around 0.40% and high-yield savings accounts paying nearly 4%. Money market accounts have national average payouts of 0.59%, while high-yield money market accounts offer rates near 4%. CD rates have slightly increased, ... more
Sep 15, 2025 8:24 AM
— Interest Rates
Slow, Slightly Stronger Start to a Potentially Volatile Week
The article discusses how the Fed Funds Rate expectations have a direct correlation with longer-term rates, and how changes in these expectations can be due to economic data or the Fed's reaction function. The quarterly dot plot, which summarizes each Fed member's rate expectations, can be a significant market mover and cause volatility as investors try to anticipate the Fed's next moves.
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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.