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News for: Mortgage Rates
Showing 49 - 72 of 1368 results
Jan 19, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 19, 2026: Rates fall by over 80 basis points in 6 months
Mortgage rates are currently declining, with the 30-year fixed rate dropping by 83 basis points to 5.90% and the 15-year fixed rate falling to 5.36%. Now is a good time to buy a new home or refinance your mortgage. Various types of mortgage rates are provided, such as 20-year fixed, 5/1 ARM, 7/1 ARM, VA loans, and more. Considerations for choosing between 15-year and 30-year mortgages and adjustab... more
Jan 18, 2026 9:30 PM
— Mortgage Rates
Eight mortgage predictions for 2026
The article discusses the predictions for the mortgage market in 2026, with experts anticipating one to two rate cuts by the Bank of England. Affordability criteria are expected to be relaxed for certain groups, such as self-employed borrowers and professionals with stable incomes. Lenders are likely to refine their criteria to better reflect modern working patterns and a more diverse borrower bas... more
Jan 18, 2026 9:30 AM
— Mortgage Rates
Homeowners don’t want to move. It’s a big deal for their shrinking backyards.
The article discusses how high mortgage rates are leading to shrinking backyards for homeowners.
Jan 18, 2026 4:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 18, 2026: Weekly rates drop by 19 basis points
Current mortgage rates are under 6%, with the average 30-year fixed rate at 5.90% and the 15-year fixed rate at 5.36%. Shopping with multiple lenders is recommended to find the best deal. Rates vary based on type of loan and may differ for purchasing a home or refinancing. Factors impacting rates include mortgage term, interest rate, and type of mortgage. Lenders offer lower rates to those with hi... more
Jan 17, 2026 7:30 AM
— Mortgage Rates
Average 30-year mortgage hits the lowest point in more than 3 years
The average long-term U.S. mortgage rate has dropped to its lowest level in more than three years. The 30-year fixed rate mortgage rate is now at 6.06%, down from 6.16% last week and 7.04% a year ago. Lower mortgage rates are helping homebuyers by boosting purchasing power, but uncertainty in the economy and job market is keeping some buyers on the sidelines. The Federal Reserve's rate cuts have c... more
Jan 17, 2026 6:32 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Mortgage rate-lock activity ended the year on a strong note with total lock volume increasing 2% month over month and 30% year over year. Refinances, especially rate-and-term, drove the growth. Cash-out refinance volume also saw an increase while purchase activity remained resilient. Mortgage rates were stable in December. Lenders made adjustments on the secondary side with widening spreads and in... more
Jan 17, 2026 4:38 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Despite typical holiday-driven seasonality, mortgage rate-lock activity ended the year strong with total lock volume rising by 2% month over month from November and finishing 30% higher year over year. Rate-and-term refinances saw a significant increase of 13% from November and over 170% compared to December 2024. Mortgage rates remained stable in December with the 30-year conforming fixed rate at... more
Jan 17, 2026 4:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 17, 2026: Rates hold under 6%
The average 30-year fixed mortgage rate is currently 5.90%, according to Zillow, and has been under 6% for a week. There are various mortgage rates available such as 20-year fixed, 15-year fixed, and ARM options. The article also discusses the pros and cons of different mortgage types, including 30-year fixed, 15-year fixed, and adjustable-rate mortgages. Additionally, it advises that now may be a... more
Jan 16, 2026 3:30 PM
— Mortgage Rates
Mortgage rates fall to lowest level since 2022
Mortgage rates fell to the lowest level in over three years, driving up purchase applications and refinance activity. President Trump ordered the Federal Housing Finance Agency to buy $200 billion in mortgage bonds and plans to ban large institutional investors from buying single-family homes. The average rate on the benchmark 30-year fixed mortgage decreased to 6.06% from last week's reading of 6... more
Jan 16, 2026 1:30 PM
— Mortgage Rates
Mortgage Rates End Week at Highs
Despite slight increases from last week, current mortgage rates are still the lowest since early 2023 if we disregard the past 5 days. Fannie and Freddie's plans to purchase $200 billion of MBS led to a drop in average mortgage rates, but the market has since stabilized. Treasury yields and Fed rate expectations have been rising, with the 10yr yield recently breaking out of a 4-month range. Howeve... more
Jan 16, 2026 11:30 AM
— Mortgage Rates
Mortgage rates hit 3-year low — what it means for spring sales
President Trump's directive for Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities led to a decrease in mortgage rates, with the 30-year fixed-rate mortgage averaging 6.06%. Mortgage applications increased significantly, especially on the refinance side. The hope is that these lower rates will lead to improved home sales in 2026, although affordability constraints remain ... more
Jan 16, 2026 10:32 AM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has narrowed recently due to lower rate volatility, clear monetary policy, and increased MBS purchases by the GSEs. This has led to a decrease in mortgage rates and a surge in refinance applications. The long-term impact of the MBS purchases is uncertain, as other investors in MBS may choose to sell, potentially widening the spread again.
Jan 16, 2026 10:32 AM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has been narrowing due to decreased rate volatility and increased purchases of MBS by the GSEs. This has led to lower mortgage rates, resulting in a surge in refinance applications and an increase in purchase applications. However, there is uncertainty about the longer-term impact of these MBS purchases on the market.
Jan 16, 2026 8:44 AM
— Mortgage Rates
Mortgage Rate Tumble Continues Friday | Today, January 16, 2026
Mortgage rates have reached their lowest point since 2022, with rates dropping to three-year lows for both 30-year and 15-year fixed mortgages. The current average 30-year fixed mortgage rate is at 6.11%. Adjustable-rate mortgages (ARMs) are also available, with an average rate of 5.50%. Economic indicators suggest that interest rates could trend upward in the short term, making it a good time to ... more
Jan 16, 2026 8:30 AM
— Mortgage Rates
What are today's mortgage interest rates: January 16, 2026?
The article discusses how mortgage interest rates have declined in recent years, making it a more affordable time to buy or refinance a home. As of January 16, 2026, average mortgage interest rates for 30-year terms are at 5.87% for purchases and 6.58% for refinancing. Waiting for the perfect rate is not recommended, as rates are already comfortably under 6% for qualified borrowers. It is suggeste... more
Jan 16, 2026 4:33 AM
— Mortgage Rates
Freddie Mac: 30-year mortgage rates fall to lowest point in three years
The average rate for a 30-year fixed-rate mortgage has dropped to 6.06%, its lowest level in over three years, leading to increased market participation and mortgage applications. This drop in rates is expected to benefit both buyers and current owners, with the housing market poised for a strong spring sales season.
Jan 16, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 16, 2026: Annual rates plummet by 98 basis points
The article discusses how mortgage rates have significantly dropped compared to last year, making it a great time to shop for mortgage lenders offering the best deals. It explains the different types of mortgage rates available, such as fixed-rate and adjustable-rate mortgages, and provides examples of current mortgage rates and refinancing rates. The article also offers advice on choosing the rig... more
Jan 15, 2026 5:30 PM
— Mortgage Rates
Average US long-term mortgage rate hits the lowest point in more than 3 years
The average long-term U.S. mortgage rate has dropped to its lowest level in over three years, with the 30-year fixed rate mortgage easing to 6.06%. Lower mortgage rates have boosted homebuyers' purchasing power and have led to an increase in refinancing. President Donald Trump's announcement of the federal government buying $200 billion in mortgage bonds aimed to further reduce mortgage rates.
Jan 15, 2026 2:32 PM
— Mortgage Rates
MCT: December Sees Monthly Decline in Mortgage Lock Activity
Mortgage Capital Trading reported that total lock volume decreased by 18.74% month-over-month in December. Borrowers were hesitant due to the lingering uncertainty from the government shutdown and challenging rate environment. Purchase lock volume, rate-and-term refinance lock volume, and cash-out refinance lock volume all saw decreases. Compared to December 2024, the volume was significantly high... more
Jan 15, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Higher For Some Lenders and Lower For Others
Mortgage rates moved modestly lower for some lenders today while they moved higher for others. The difference depends on whether the lender adjusted rates late in the day yesterday based on improving mortgage bond market conditions.
Jan 15, 2026 12:30 PM
— Mortgage Rates
Rates have dropped to the lowest point in years — here are the best lenders for refinancing your mortgage
Mortgage rates are at their lowest since early 2023, prompting a rise in both purchase applications and refinance activity. Some top lenders for refinancing with good customer service and lower rates include Rocket Mortgage, Better, and PenFed Credit Union. Strong credit score and low debt-to-income ratio are essential for getting the best rates. CNBC Select provides rigorous reporting on mortgage... more
Jan 15, 2026 11:56 AM
— Mortgage Rates
Mortgage rates fall to lowest level since 2022
U.S. Federal Housing Finance Agency Director and Fannie Mae Chairman William Pulte discusses buying $200 billion in mortgage bonds, future rates, and banning large institutions from purchasing single-family homes. Mortgage rates have fallen to the lowest level in three years, leading to an increase in purchase applications and refinance activity. President Trump ordered the FHFA to purchase $200 b... more
Jan 15, 2026 10:30 AM
— Mortgage Rates
Average US long-term mortgage rate hits the lowest point in more than 3 years
The average long-term U.S. mortgage rate has dropped to its lowest level in over three years, with the 30-year fixed rate at 6.06% and the 15-year fixed rate at 5.38%. Lower mortgage rates are benefiting homebuyers and refinancers, with applications for refinancing loans surging 40%. Economists expect rates to continue easing further this year, but they still remain higher than six years ago.
Jan 15, 2026 10:04 AM
— Mortgage Rates
Mortgage rates reach three-year low after MBS buy order
Mortgage rates have dropped to their lowest levels in over three years due to a $200 billion purchase of agency mortgage-backed securities ordered by Pres. Trump. Mortgage lenders are exploring crypto-backed mortgages as Fannie Mae and Freddie Mac review digital assets for underwriting.
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.