Mortgage News
The Most Comprehensive Source of Mortgage-Related News
Each article is summarized for your convenience. Click on the title to see the original.
News for: Interest Rates
Showing 49 - 72 of 314 results
Nov 17, 2025 12:30 PM
— Interest Rates
Mortgage Rates Hold Steady to Begin New Week
Mortgage rates remained unchanged over the weekend as the bond market was steady. Rates are currently at the upper end of a range since September 4th, following a rate rally after the September 5th jobs report. With the government shutdown over, a new jobs report is scheduled for release this Thursday, which could bring some volatility to rates. In addition, the upcoming Fed meeting minutes on Wed... more
Nov 14, 2025 11:30 AM
— Interest Rates
How much does a $600,000 mortgage cost per month after the October Fed rate cut?
The article discusses how the Federal Reserve's rate cuts have influenced mortgage rates, making them more favorable for potential homebuyers. The average 30-year fixed mortgage rate has improved from over 7% at the start of the year to around 6% currently, resulting in significant monthly savings for borrowers. It also highlights the potential benefits of refinancing for homeowners with higher ra... more
Nov 14, 2025 6:30 AM
— Interest Rates
What are today's mortgage interest rates: November 14, 2025?
The article discusses the current opportunity for homebuyers to take advantage of lower mortgage interest rates during the holiday season. It highlights the importance of acting now to capitalize on the declining rates, minimal competition, and negotiable home prices. It also mentions the potential savings for homeowners considering refinancing their mortgages at lower rates.
Nov 13, 2025 10:30 AM
— Interest Rates
Average US long-term mortgage rate rises again, inching up to 6.24%
The average rate on a 30-year U.S. mortgage increased slightly this week to 6.24%, but remains near its low point for the year. Mortgage rates are influenced by factors such as Federal Reserve decisions and bond market expectations. Sales of homes have been slow, but accelerated recently as rates eased, prompting an increase in loan applications for both home purchases and refinancing.
Nov 13, 2025 7:30 AM
— Interest Rates
What is a mortgage rate float down and is it worth it?
Recent Federal Reserve rate cuts have lowered 30-year fixed mortgage interest rates to the low-6% range, offering some relief to homebuyers. Mortgage rate float down options allow homebuyers to secure today's rates while leaving room to benefit from future decreases. The decision to pursue a mortgage rate float down depends on costs, closing timeline, and potential rate fluctuations. Shopping arou... more
Nov 12, 2025 12:32 PM
— Interest Rates
Mortgage Rates Only Modestly Lower Despite Bond Market Improvement
Mortgage rates are currently lower due to stronger bonds on the market, influenced by a decrease in the weekly payroll count according to ADP data. This decrease in jobs created is uncommon and tends to push interest rates lower. Despite this, the average lender only saw a slight decrease to their rates.
Nov 12, 2025 10:36 AM
— Interest Rates
December Fed rate cut still on the table for most economists
Economists are uncertain if the Federal Open Markets Committee will make a third interest rate cut in December. Carrington acquired Reliance, Rocket Companies suffered a loss but celebrated acquisitions, the 30-year rate dropped slightly due to Powell's comments, and traders are preparing for various Fed outcomes. Government-sponsored enterprises are considering expanding mortgage transfers and pr... more
Nov 12, 2025 8:46 AM
— Interest Rates
December rate cut is officially a toss-up
The article discusses the uncertainty around the Federal Reserve's potential interest rate cut in December, with odds currently at 50-50. Different Fed officials have varying views on the need for further monetary easing, with some advocating for holding rates steady and others favoring jumbo rate cuts.
Nov 10, 2025 4:31 AM
— Interest Rates
Rescue the job market or stop inflation? A rate cut from the Fed this week could hit your wallet — and your paycheck
The article discusses the dilemma faced by the Federal Reserve regarding the decision to cut interest rates due to a weakening job market and rising inflation. The central bank is trying to balance the need to protect jobs while also managing inflationary pressures. The ongoing government shutdown has complicated decision-making by delaying key economic data. The Fed's next moves could have signif... more
Nov 6, 2025 6:30 PM
— Interest Rates
Mortgage Rates Rise A Bit, Reversing Course
Mortgage rates are currently at some of their lowest levels of the year, with the Federal Reserve cutting rates for the second time in 2025. Despite this, lower rates have not had a significant impact on jumpstarting the housing market. The uncertainty in the economy could result in rising rates through the end of the year. The job market shows signs of weakness and the political climate, includin... more
Nov 6, 2025 10:05 AM
— Interest Rates
What it would take for mortgage rates to dip below 6%—and what to expect in 2026
Despite two interest rate cuts by the Federal Reserve, 30-year fixed mortgage rates remain above 6% due to elevated long-term Treasury yields. Mortgage rates are closely tied to the yield on 10-year U.S. Treasurys, which has kept the gap between Treasury yields and mortgage rates wider than normal. Forecasts do not expect mortgage rates to decrease much further in the near future, as economic unce... more
Nov 6, 2025 4:34 AM
— Interest Rates
HELOCs drop to 2023 lows, home equity loans hold steady
Home equity line of credit (HELOC) rates have decreased to levels not seen since March 2023, with a $30,000 HELOC falling to 7.82%. The stability in the housing market has increased interest in HELOCs as people are looking for liquidity for buying properties or home improvements. Rates are impacted by the Federal Reserve's actions, lender competition, promotional offers, and underwriting standards... more
Nov 5, 2025 12:55 PM
— Interest Rates
Mortgage Rates Near 2-Month Highs After Today's Econ Data
The bond market is currently operating without key economic reports due to the government shutdown. However, today had two important non-government reports, both of which were stronger than expected. This led to bond weakness and ultimately caused mortgage rates to rise back to levels seen in late September, nearly reaching the highest rates in over 2 months.
Nov 5, 2025 3:06 AM
— Interest Rates
Current mortgage rates report for Nov. 5, 2025: Rates tick up slightly
The average interest rate for a 30-year, fixed-rate mortgage loan in the U.S. is 6.209%, up from the prior day and a week ago. Rates have been hovering near 7% for a while, with the historic low in 2021 at 2.65%. Experts believe rates won't go back to 2-3% anytime soon. The Fed's actions impact mortgage rates, with possible rate cuts in the future. The state of the economy, inflation, national deb... more
Nov 4, 2025 10:31 AM
— Interest Rates
Housing turnover at a 30-year low shows the US real estate market is still in a deep freeze
The US housing market has seen a significant decline in turnover rates, with the lowest rate in at least 30 years. This slowdown is due to poor affordability for buyers, concerns about tariffs and the job market, and sellers holding back as they don't want to finance at current interest rates. Forecasters do not expect mortgage rates to fall significantly anytime soon.
Nov 4, 2025 3:06 AM
— Interest Rates
Non-QM, 2nds, Marketing Products; Deep Dive on Data-Less Capital Markets
The article discusses various topics related to the mortgage industry, including housing, finance, mortgage fraud investigations, acquisitions, non-QM lending, and changes in mortgage lender branding. It also touches on recent changes in interest rates and the Federal Reserve's decisions regarding rate cuts.
Nov 1, 2025 5:33 AM
— Interest Rates
Wednesday: FOMC Statement, Pending Home Sales
On Wednesday, the Mortgage Bankers Association will release the results for the mortgage purchase applications index in the morning. In the afternoon, the Pending Home Sales Index for September will be released, followed by the FOMC Meeting Announcement where the Fed is expected to cut rates by 25 basis points. Fed Chair Jerome Powell will hold a press briefing following the announcement.
Nov 1, 2025 3:06 AM
— Interest Rates
Sideways Overall Despite Hawkish Fed Speakers
The article discusses the mid-day volatility in the market, which was attributed to month-end tradeflows. The comments from several Fed speakers were all hawkish, expressing a preference for holding rates steady and concerns about economic momentum and inflation. The market responded by showing some fluctuations throughout the day.
Oct 30, 2025 4:06 PM
— Interest Rates
Mortgage rates jump amid interest rate cut uncertainty. What it means for homebuyers.
Mortgage rates rose to the highest level since Oct. 9 due to uncertainty around a potential December rate cut by the Federal Reserve. Even though the market had anticipated lower rates, Fed Chair Powell's comments suggested otherwise. The rise in rates may impact home sales in 2026, with projections already being lowered due to affordability issues. However, existing homeowners may benefit from lo... more
Oct 30, 2025 11:07 AM
— Interest Rates
Mortgage rates jump 20 basis points following Fed cut
The Federal Reserve lowered its benchmark interest rate, but mortgage rates increased instead of following suit. The average rate on the 30-year fixed mortgage jumped 20 basis points after Chairman Jerome Powell's announcement and news conference. The bond market had already anticipated the rate cut, but Powell's commentary caused rates to rise. Refinance applications increased due to the drop in ... more
Oct 30, 2025 7:07 AM
— Interest Rates
Enthusiasm Curbed. Back to Waiting
The market's expectations for 3 Fed rate cuts in 2025 were too high, with the market being nearly certain of another cut in December. However, Fed Chair Powell indicated uncertainty about this, leading to a mild re-set in yields. The market is now waiting for economic data to sway expectations one way or the other.
Oct 29, 2025 1:08 PM
— Interest Rates
Another Hawkish Powell Press Conference Harshes Bonds' Mellow
The Federal Reserve cut rates and ended Quantitative Tightening (QT), which was expected by the markets and had no impact. However, the press conference was hawkish as Powell hinted that a December rate cut was not guaranteed, contrary to market expectations of an imminent cut. As a result, Fed Funds Futures dropped and yields increased. MBS and yields experienced losses overnight.
Oct 29, 2025 1:07 PM
— Interest Rates
Yet Again, Mortgage Rates Surge Higher After Fed Rate Cut
Today's mortgage rates increased despite a Fed rate cut, going against the common belief that mortgage rates benefit from such cuts. The rapid increase in rates can be attributed to Fed Chair Powell's comments during the press conference, indicating that another rate cut in December was not guaranteed. This caused market expectations to shift, leading to a quick adjustment in mortgage rates to ref... more
Oct 29, 2025 11:05 AM
— Interest Rates
What this Fed rate cut means for your credit card, mortgage, auto loan, student debt and savings account
The Federal Reserve cut borrowing costs for the second time in a row, lowering the federal funds rate. This decision could offer some relief to consumers with high borrowing costs, especially for credit card debt. Mortgage rates, student debt, auto loans, and savings accounts are all impacted by the Fed's moves. While some loans are fixed for the life of the loan and won't be immediately affected,... more
DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 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 600 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.