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News for: Mortgage Rates
Showing 1 - 24 of 786 results
Oct 25, 2025 3:23 AM
— Mortgage Rates
Everything to know about mortgage interest rates before the October Fed meeting
Mortgage interest rates are currently impacted by various market conditions such as the government shutdown, unemployment, inflation, and Federal Reserve interest rate policy. The average mortgage interest rates are around 6.19% for a 30-year term and 5.72% for a 15-year refinance, which are lower than previous years but higher than the start of the decade. The Fed is expected to lower its benchma... more
Oct 25, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 25, 2025: A click lower, a tick higher
The article discusses the current mortgage rates and mortgage refinance rates provided by Zillow. It explains how various mortgage terms like 30-year fixed, 20-year fixed, 15-year fixed, ARM and VA loans have different interest rates and monthly payments. It compares the advantages and disadvantages of these mortgage types in terms of predictability, interest rates, and total interest paid over th... more
Oct 24, 2025 9:09 AM
— Mortgage Rates
How soaring national debt impacts mortgage rates and the housing market
The ongoing government shutdown has led to a significant increase in the national debt, which is expected to impact the housing market and mortgage rates. Experts predict that mortgage rates are unlikely to drop significantly, and there will be a shift to a world of higher interest rates in the medium to long-term due to the need for a higher yield on debt. The increasing national debt will requir... more
Oct 24, 2025 8:23 AM
— Mortgage Rates
Inflation just rose again. Here's how that could impact mortgage interest rates.
Inflation has risen to 3% in September, which could have implications on mortgage interest rates. The Federal Reserve may be less likely to cut rates further if inflation continues to increase. However, projections still suggest rate cuts in the final months of the year. Buyers and homeowners looking to refinance may benefit from potential rate cuts, but lenders may be cautious due to inflation. I... more
Oct 24, 2025 3:23 AM
— Mortgage Rates
Average long-term US mortgage rate drops to 6.19%, lowest level in more than a year
The average rate on a 30-year U.S. mortgage fell to its lowest level in more than a year, helping boost home sales. Mortgage rates are influenced by factors like the Federal Reserve's interest rate policy and bond market expectations. The recent rate cuts by the Fed have led to a decline in mortgage rates, prompting homeowners to refinance their loans.
Oct 24, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 24, 2025: Now at a more than a one-year low
Mortgage rates have continued to trend down, reaching their lowest levels in over a year. Refinancings have accounted for more than half of all mortgage activity. The current national average rates are 6.13% for a 30-year fixed mortgage.
Oct 23, 2025 3:54 PM
— Mortgage Rates
Mortgage Rates Reach Lowest Level in a Year: What to Know
Mortgage rates have fallen to the lowest level in a year, with a 30-year fixed rate averaging just over 6%. NBC's senior business correspondent Christine Romans discusses refinancing, the current state of the housing market, and gas prices nearing $3 a gallon.
Oct 23, 2025 2:24 PM
— Mortgage Rates
Mortgage and refinance interest rates today, October 23, 2025: Lowest rates in over a year
The article discusses how mortgage rates have decreased to their lowest point in over a year. It emphasizes the importance of shopping around for mortgage lenders to potentially save on rates. The article also provides current mortgage rates, refinance rates, and strategies for obtaining the lowest mortgage rate possible. It differentiates between fixed and adjustable rates as well as offers guida... more
Oct 23, 2025 1:23 PM
— Mortgage Rates
Mortgage rates are the lowest in a year. Should you refinance?
Mortgage rates have fallen to the lowest level in a year, below 6.2%, potentially dropping even further with additional rate cuts by the Federal Reserve. This presents an opportunity for recent homebuyers to refinance at a lower rate and save money on monthly payments, but experts advise considering closing costs and the overall costs of homeownership.
Oct 23, 2025 1:23 PM
— Mortgage Rates
Mortgage rates drop to lowest level in over a year as buyers regain leverage
Mortgage rates have dropped to their lowest level in over a year, with the 30-year fixed rate decreasing to 6.19%. This drop is attributed to falling Treasury yields and market expectations ahead of a Fed rate cut. Buyers are gaining leverage in the housing market due to lower rates.
Oct 23, 2025 12:23 PM
— Mortgage Rates
Mortgage Rates Seeing Some Underlying Pressure Ahead of Inflation Data
Mortgage rates remained stable, close to the best levels in over a year, but there are signs of increasing risk in the underlying bond market. Bond market losses typically lead to higher mortgage rates, but the magnitude and timing of these losses can affect the size and timing of rate changes. Mortgage lenders may need to raise rates due to bond market weakness and upcoming CPI inflation data rel... more
Oct 23, 2025 11:17 AM
— Mortgage Rates
Average long-term mortgage rate drops to lowest level in more than a year
The average rate on a 30-year U.S. mortgage fell to its lowest level in over a year, boosting home sales. Mortgage rates are influenced by multiple factors and have been declining in anticipation of further interest rate cuts by the Federal Reserve. The recent drop in rates has led to an increase in refinancing and a rise in adjustable-rate mortgages applications.
Oct 23, 2025 9:15 AM
— Mortgage Rates
Mortgage rates hit lowest level in over a year
Mortgage rates have dropped to their lowest level in over a year after the 10-year Treasury yield fell below 4%. The average 30-year mortgage rate is now 6.19%, down from 6.27% a week earlier. Traders are expecting rate cuts from the Federal Reserve, leading to further decreases in mortgage rates. Despite the government shutdown delaying data reports, there are signs that falling mortgage rates ar... more
Oct 23, 2025 4:23 AM
— Mortgage Rates
Most potential homebuyers expect mortgage rates to drop. That's why they're waiting
The majority of potential homebuyers are waiting to purchase homes in anticipation of further decline in mortgage rates. Real estate agents reported that buyers are delaying purchases due to expectations of lower rates and concerns about affordability. Sellers are cautious about pricing their homes too low and are monitoring mortgage rates closely.
Oct 23, 2025 3:24 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 23, 2025: Plus, how to get a half-point improvement in your rate
Today's mortgage rates have decreased slightly, with the 30-year fixed rate at 6.06% and the 15-year fixed rate at 5.37%. A study reveals that borrowers can lower their mortgage rate by 0.55% by shopping around for lenders. The article also discusses refinancing interest rates, the impact of the economy on mortgage rates, types of mortgage rates, factors affecting rates, the difference between adj... more
Oct 22, 2025 1:25 PM
— Mortgage Rates
Many Americans ho-hum about new Fed rate cut, survey finds
Despite concerns over whether the Federal Reserve will reduce short-term rates again this year, many Americans do not seem to be bothered. Lenders have already accounted for the decision to cut short-term rates for 30-year home loans, with other mortgage products expected to benefit. Top industry experts are optimistic about technology but emphasize the importance of human traits like empathy and ... more
Oct 22, 2025 12:24 PM
— Mortgage Rates
Mortgage Rates Steady At Long Term Lows
Mortgage rates remained unchanged today, staying at some of the lowest levels seen in over a year and close to the lowest levels in over 3 years. Recent momentum has been positive due to outside influences like new tariffs and regional bank issues. Despite the lack of significant economic reports due to the shutdown, the bond market continues to be steady. However, there is potential for rates to ... more
Oct 22, 2025 12:23 PM
— Mortgage Rates
Mortgage rates fall again, reaching lowest level in a year
The article discusses the current state of mortgage rates, housing market affordability, and economic factors affecting mortgage rates. It mentions that mortgage rates are at their lowest levels due to expectations of interest rate cuts by the Federal Reserve. It also highlights the impact of political and economic uncertainty on the housing market.
Oct 22, 2025 8:42 AM
— Mortgage Rates
Purchase apps languish even though mortgage rates decline
Conforming mortgage rates dropped by 5 basis points leading to an increase in loan refinance application volume, although overall activity decreased overall compared to the previous week. New-home loan activity in August increased by 1% year over year, but applications fell by 6% from July. Mortgage applications rose by 0.6% last week after a significant jump the week prior. Despite these increase... more
Oct 22, 2025 4:25 AM
— Mortgage Rates
Refinance demand is 81% higher than it was a year ago, thanks to falling mortgage rates
Mortgage rates dropped to the lowest level in a month, leading to an increase in applications for refinancing. However, potential homebuyers were less enthusiastic about the lower rates. ARM applications increased despite the overall interest rates falling, indicating high home prices. Applications for home purchases dropped, with some buyers waiting for rates to decrease further.
Oct 22, 2025 2:36 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 22, 2025: Lower again. Could it be a trend?
The article discusses the current mortgage rates according to Zillow data, focusing on 30-year fixed, 20-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM, and VA rates. It explains how mortgage rates are determined, the advantages and disadvantages of 30-year fixed rates, 15-year fixed rates, and adjustable-rate mortgages. The article also mentions how to secure low mortgage refinance rates similar to ... more
Oct 22, 2025 2:31 AM
— Mortgage Rates
Former Treasury Secretary Issues Mortgage Warning: ‘Unsustainable’
Former Treasury Secretary Larry Summers warned that the national deficit could cause a spike in mortgage rates unless federal revenues increase. Experts predict that mortgage rates will rise in the future due to budget deficits and potential higher inflation. However, Summers also mentioned that artificial intelligence could potentially reverse this trend by boosting growth and addressing fiscal c... more
Oct 21, 2025 1:29 PM
— Mortgage Rates
Another Winning Day For Mortgage Rates
Mortgage bond rates were slightly stronger today after closing at the best levels in a year the previous day. Mortgage lenders had a cushion from yesterday's improvement, leading to a drop in the average 30yr fixed rate. Some lenders are now offering their lowest rates in over a year or even over 3 years, with the average lender being close to 3-year lows.
Oct 21, 2025 10:38 AM
— Mortgage Rates
Trade groups push plan to let GSEs buy MBS to ease mortgage rates
Trade groups representing community banks and home lenders are pushing for Fannie Mae and Freddie Mac to purchase mortgage-backed securities to lower mortgage rates. They want the GSEs to have the authority to buy up to $300 billion of MBS when the spread between 30-year mortgage rates and 10-year Treasury rates exceeds 170 basis points.
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 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.