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News for: Mortgage Rates
Showing 1 - 24 of 1368 results
Jan 27, 2026 12:30 PM
— Mortgage Rates
Mortgage Rate Winning Streak Continues
Mortgage rates decreased for the 5th consecutive day with no clear underlying reasons or significant news affecting the market. The movement was minimal and not worth investigating further.
Jan 27, 2026 7:30 AM
— Mortgage Rates
Follow these 8 strategies for getting the lowest mortgage rates
The article discusses how to secure the lowest mortgage rate possible in the 2026 housing market. It provides tips such as improving credit score, reducing debt-to-income ratio, making a larger down payment, prepaying interest, and negotiating special financing or interest rate buydown with the lender. It also mentions the option of adjustable-rate mortgages and shorter-term loans for lower intere... more
Jan 27, 2026 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 27, 2026: Under 6% again
The average 30-year fixed mortgage rate is 5.97% while the 15-year fixed rate is 5.47%. Mortgage rates have remained below 6% since mid-November. Different types of mortgage rates and refinance rates are listed, along with a comparison between 15-year and 30-year mortgages. The article also discusses adjustable-rate mortgages and provides insights into how to get the lowest mortgage rates.
Jan 26, 2026 12:32 PM
— Mortgage Rates
Lowest Mortgage Rates in Just Over a Week
Mortgage rates decreased slightly for the 4th consecutive business day, with the average top-tier 30yr fixed rate reaching its lowest point since January 16th. However, rates were even lower 2 weeks ago. The week ahead is expected to have little volatility, including the Fed announcement on Wednesday, as the outcome is already fully expected by financial markets.
Jan 26, 2026 9:37 AM
— Mortgage Rates
Mortgage Rates Static on Monday | Today, January 26, 2026
Mortgage rates remained steady over the weekend, providing low rates for those looking to purchase a home or refinance. The economic indicators are neutral, keeping interest rate movements flat for now. The average 30-year fixed mortgage rate is at 6.20%. Experts are advising on whether to refinance or tap into home equity, while also discussing financial assistance programs. Freddie Mac reports r... more
Jan 26, 2026 8:31 AM
— Mortgage Rates
Rates are still under 6%: Mortgage lenders with the best rates this week, Jan. 26, 2026
The article provides a list of the top 10 mortgage lenders with the best interest rates, most of which are offering rates just below 6%. It emphasizes the importance of shopping around for the lowest mortgage rate, as the savings could be significant. The article also explains the difference between interest rate and APR, which includes both interest rates and lender fees.
Jan 26, 2026 2:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 26, 2026: A step higher from recent lows
The article provides an overview of current mortgage rates, with the average 30-year fixed rate at 6.00%, and provides insights on different types of mortgages, payment calculations, the use of adjustable-rate mortgages, and factors affecting mortgage rates like credit scores and down payments. It also discusses options like buying down interest rates through discount points at closing.
Jan 25, 2026 6:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 25, 2026: Rates level out
The average national mortgage rates for various terms are provided, indicating that rates have leveled out. The article also discusses the differences between 15-year and 30-year mortgages, the impact of fixed-rate and adjustable-rate mortgages, how to find the best mortgage lender, and factors that affect mortgage rates.
Jan 25, 2026 5:36 AM
— Mortgage Rates
Jan. 24: Thoughts on Pres. Trump taking the right approach; Credit issues still with us; Saturday Spotlight: Fairway Home Mortgage
The Trump administration's $200 billion bond-buying effort to make housing more affordable seems unlikely to have a significant impact, as experts believe that the key to affordability is to bolster housing supply. Mortgage bond purchases are viewed by some as 'burning cash' and not addressing the housing supply issue. Despite a slight decrease in mortgage rates, concerns about geopolitical events... more
Jan 25, 2026 5:30 AM
— Mortgage Rates
Trump housing finance chief OKs more mortgage spending and adds risk for government-backed lenders
President Donald Trump’s federal housing finance director, Bill Pulte, granted government-backed lenders the authority to nearly double a $200 billion bond purchase to lower mortgage rates. This move raises concerns about increased risk for the companies and reverses two decades of bipartisan consensus. Some members of Congress worry that the rental market could be affected if supply doesn't incre... more
Jan 24, 2026 5:31 AM
— Mortgage Rates
Unsurprising Surge in Refi Demand Pushes Mortgage Apps Past 3 Year High
Mortgage applications rose by 14.1% for the week ending January 16, with refinance demand leading the way. The Refinance Index climbed by 20% from the previous week and was 183% higher than the same week one year ago. The rate rally prompted greater refinance activity from conventional and VA borrowers, with refinance applications accounting for more than 60 percent of total volume. Purchase deman... more
Jan 24, 2026 5:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 24, 2026: The 30-year drops to an important baseline
The article provides information on current mortgage rates, including 30-year fixed rates, 20-year fixed rates, 15-year fixed rates, and ARM rates. It also discusses the advantages and disadvantages of different mortgage terms, such as the 30-year fixed-rate mortgage offering lower monthly payments but higher interest rates over the long term. Additionally, there is a mention of adjustable-rate mo... more
Jan 23, 2026 11:30 AM
— Mortgage Rates
Mortgage Rates Close Out Extremely Flat Week
Mortgage rates saw movement early in the week in response to geopolitical issues and tariff escalation potential, but recovered only modestly. The mortgage market is outperforming Treasury benchmarks, with average mortgage rates closer to their lowest levels compared to the 10yr Treasury yield.
Jan 23, 2026 7:30 AM
— Mortgage Rates
Rates under 6%: Mortgage lenders with the best rates this week, Jan. 20-25, 2026
The article discusses the top 10 mortgage lenders with the best interest rates for 30-year, fixed-rate conventional loans, with five lenders offering rates just below 6%. It highlights the importance of shopping around for the lowest mortgage rate, as well as understanding the difference between interest rates and APR, which includes lender fees. It also mentions the strategy of getting quotes fro... more
Jan 23, 2026 5:30 AM
— Mortgage Rates
30-year mortgage rates rise - When will rates change? | Today's mortgage and refinance rates, January 23, 2026
Mortgage rates have seen an increase, with 30-year fixed, 15-year fixed, and jumbo loans moving higher, while 5/1 ARM rates declined. Bob Broeksmit of MBA expects strong interest from homeowners for refinancing and buyers entering the market. The average rate for a 30-year fixed mortgage is 6.20 percent, higher than a month ago. The rates for a 15-year fixed mortgage and a 5/1 ARM also increased. ... more
Jan 23, 2026 5:30 AM
— Mortgage Rates
Average US long-term mortgage rate edges higher, but still near lowest point in more than 3 years
The average long-term U.S. mortgage rate increased slightly this week but remains near its lowest level in over three years. Mortgage rates are influenced by various factors such as Federal Reserve decisions, bond market expectations, and the 10-year Treasury yield. Despite the recent sales slump in the U.S. housing market due to higher mortgage rates and low home construction, a pullback in rates... more
Jan 23, 2026 2:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 23, 2026: Close to one-year lows
The article discusses current national average mortgage and refinance rates, advising potential homeowners to shop for the best lender offering low rates. It explains the difference between fixed-rate and adjustable-rate mortgages and provides insight into when each type is suitable. Additionally, the article indicates that mortgage rates have generally been decreasing since the end of May, and th... more
Jan 22, 2026 1:30 PM
— Mortgage Rates
3.75% financing or less: Is it a good time to buy a new construction home?
The article discusses new home builders offering affordable housing options, including new construction homes that provide lower mortgage rates and come with various incentives such as lower down payments, price breaks, discounts on closing costs, and upgrades. However, buyers should be cautious about builder financing deals to ensure they are not misled by advertised rates. Comparing offers from ... more
Jan 22, 2026 1:30 PM
— Mortgage Rates
Mortgage rates tick higher but remain near 3-year low
Mortgage rates have fallen to their lowest level since February 2023, with the average rate on the 30-year fixed mortgage rising to 6.09%. Factors such as the Federal Reserve and geopolitics influence mortgage rates. Recent policy decisions, including President Donald Trump's announcement regarding Fannie Mae and Freddie Mac purchasing mortgage-backed securities, have contributed to the rate decli... more
Jan 22, 2026 12:30 PM
— Mortgage Rates
Another Micro-Victory For Mortgage Rates
Mortgage rates have slightly decreased over the past two days, with the daily rate index dropping to 6.19% from 6.21% at the beginning of the week. Recent economic data did not significantly impact the bond market due to its timeliness and alignment with forecasts. Market remains sensitive to geopolitical risks and fiscal outlook headlines.
Jan 22, 2026 11:42 AM
— Mortgage Rates
Mortgage Applications Increase in Latest MBA Weekly Survey
Mortgage applications increased by 14.1% from the previous week, with the Refinance Index increasing by 20% and the Purchase Index increasing by 5%. Mortgage rates declined, prompting more refinance and purchase activity, with refinance applications accounting for over 60% of total applications. Average interest rates decreased across different loan types.
Jan 22, 2026 10:30 AM
— Mortgage Rates
Average US long-term mortgage rate edges higher, but still near lowest point in more than 3 years
The average long-term U.S. mortgage rate slightly increased this week but remains near its lowest level in over three years. The 30-year fixed rate mortgage rose to 6.09% from 6.06% last week, while the 15-year fixed-rate mortgage also rose to 5.44%. Mortgage rates are influenced by factors like the Federal Reserve's interest rate policy decisions and bond market investors' expectations. Despite t... more
Jan 22, 2026 9:52 AM
— Mortgage Rates
Mortgage rates rise as investors react to Greenland comments
Mortgage rates moved slightly higher this week due to elevated 10-year Treasury yields, impacted by investor concerns over Pres. Trump's Greenland pronouncements. The 30-year fixed rate mortgage has been fluctuating recently but is expected to reach 6% for 2026.
Jan 22, 2026 9:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 22, 2026: A small move higher
Mortgage and refinance rates increased slightly over the past week. The 30-year fixed mortgage rate rose to 6.09%, and the 15-year rate increased to 5.44%. The article discusses mortgage rate comparisons, the impact of the economy on rates, mortgage types, factors affecting mortgage rates, and refinancing strategies.
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.