Mortgage News
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Jun 4, 2025 8:23 AM
— Mortgage Rates
Will mortgage rates fall after the Fed's June meeting?
The article discusses the current interest rate climate in 2025, with inflation declining and potential relief from high mortgage rates. It explains that mortgage rates don't directly correlate with Federal Reserve policy changes but track closer to the 10-year Treasury yield. Experts predict that rates will likely stay in the mid-to-upper 6% range through mid-2025, despite potential Fed rate cuts... more
Jun 4, 2025 8:22 AM
— Mortgage Rates
Understanding Today’s Mortgage Rates: Is 3% Coming Back?
The article discusses how buyers are waiting for mortgage rates to come down to historic lows of 3%, but experts believe rates will settle in the mid-6% range by the end of the year. It emphasizes the importance of not waiting indefinitely for lower rates and instead working with real estate agents and lenders to navigate the current market.
Jun 4, 2025 6:00 AM
— Mortgage Rates
One year of mortgage rates: See how often they change
Mortgage rates fluctuate daily and are influenced by market conditions, with the most movement seen on Wednesdays and Fridays. The rates are impacted by various factors including the federal funds rate and the 10-year Treasury yield. Other factors affecting mortgage rates include credit score, down payment amount, loan term, and type of loan. Locking in a mortgage rate for 30 to 60 days can help s... more
Jun 4, 2025 4:00 AM
— Mortgage Rates
Mortgage demand drops for the third straight week, even as interest rates ease
Mortgage rates fell slightly last week, but mortgage demand dropped. Refinance activity declined while applications to purchase a home also fell. However, purchase demand was higher than last year due to increased supply in the housing market. Mortgage rates have been relatively stable for the past two months.
Jun 4, 2025 3:03 AM
— Mortgage Rates
Mortgage Rate News
Bankrate's experts provide the latest mortgage news, rates, and insights supported by data and personal experience.
Jun 4, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 4, 2025: Rates drop across the board
Mortgage interest rates have decreased, with the 30-year fixed rate falling to 6.79%, the 20-year fixed rate to 6.46%, and the 15-year mortgage rate to 5.94%. The lower rates are attributed to bond yields dropping since May. Mortgage refinance rates are typically higher than rates for buying a house. The advantages and disadvantages of different loan terms like 30-year fixed, 15-year fixed, and ad... more
Jun 4, 2025 1:00 AM
— Mortgage Rates
Mortgage Rates Are Trapped in 'Groundhog Day'
Mortgage rates have been stuck at high levels due to the back and forth on tariffs between the Trump administration and the courts. The uncertainty caused by tariffs has hindered the Fed from lowering interest rates and has kept the mortgage market in a standstill. The potential impact of Trump's tariffs on inflation and the economy has left experts predicting that mortgage rates are unlikely to d... more
Jun 3, 2025 3:00 PM
— Home Equity Loans
Should you tap your home equity in a recession?
Shannon Martin and her husband took out a personal loan to renovate their run-down Victorian Era home. They plan to pay off the loan with a HELOC later in the year but face uncertainty due to potential economic downturns and recession. Martin's dilemma raises the question of tapping into home equity during uncertain times.
Jun 3, 2025 1:00 PM
— Interest Rates
Uneventful Day For Mortgage Rates
Economic reports, like the Job Openings and Labor Turnover Survey (JOLTS), have the potential to influence mortgage rates. Despite some volatility, the mixed message from the JOLTS report ultimately led to rates staying in line with the previous day's levels.
Jun 3, 2025 9:00 AM
— Mortgage Finance
Originations Suppressed Amid Elevated Interest Rates
The article discusses the latest trends in the mortgage market and how they are impacting mortgage lending. It highlights changes in interest rates, housing market conditions, and the role of mortgage lenders in the current market environment.
Jun 3, 2025 9:00 AM
— Mortgage Lending
Borrower Psychology, Marketing, DSCR, AUS for Non-QM; Note on LO Strategy; Supply Manager's Telling Comments
The article discusses the importance of listening in the mortgage industry, various mortgage-related workshops, settlement solutions by ICE Mortgage Technology, an upfront Automated Underwriting System for non-QM lending by Prudent AI, and upcoming industry events and services.
Jun 3, 2025 8:24 AM
— Mortgage Rates
Rates go down: Will it continue? - Current mortgage and refinance rates for June 3, 2025
Average mortgage rates for various terms have decreased compared to a week ago, but 30-year borrowing costs are still near 7 percent. Despite the high rates, there is pent-up housing demand, and any significant decrease in mortgage rates could help release this demand. The article also mentions concerns about the economic effects of tariffs and the tax bill on mortgage rates in the future.
Jun 3, 2025 8:00 AM
— Interest Rates
Fed and Data Temper Overnight Rally
10yr yields dropped modestly to 4.41. Resistance is expected at these levels if there is no data-based inspiration. We are seeing weakness after stronger job openings figures and hawkish comments from Fed's Bostic.
Jun 3, 2025 3:03 AM
— Mortgage Rates
Most rates decline: Will it continue? | Current mortgage and refinance rates for June 2, 2025
National mortgage rates for 30-year fixed, 15-year fixed, and jumbo mortgages have mostly decreased, while rates for ARM loans have risen. The median national existing-home price is at a record high of $414,000. The 30-year fixed mortgage rate is currently at 6.93 percent, with other rates for different loan types also listed. There are concerns about the economic effects of tariffs and the tax bi... more
Jun 3, 2025 3:03 AM
— Interest Rates
High-yield savings rates today: June 2, 2025 | Highest APY remains 4.40% as the Fed prepares its next move
Some Fed officials hint at the Federal Reserve not raising interest rates at the upcoming meeting in mid-June. This stability in rates benefits savers, as high-yield savings accounts are still offering competitive APYs above 4 percent. Online-only banks tend to provide the best yields with minimal deposit requirements. The Federal Reserve's decision on interest rates can impact the future of these... more
Jun 3, 2025 3:00 AM
— Mortgage Lending
Loan Calculator
Bankrate provides a loan calculator tool to help users estimate monthly payments for various types of loans and loan terms. The tool can be used to compare mortgage refinance payments, personal loans, car loans, and debt consolidation loan terms. It also provides information on interest rates, repayment terms, and amortization schedules. Bankrate offers various guides and tips to help users naviga... more
Jun 3, 2025 3:00 AM
— Mortgage Security
Mortgage rates aren’t hampering millennials’ homebuying interest
The article discusses the importance of verifying humans in online transactions to prevent fraud and ensure security. It emphasizes using various methods such as CAPTCHA, biometrics, and behavioral analysis to confirm a user's identity.
Jun 3, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 3, 2025: Rates hold steady on the most popular loan terms
The article discusses the current mortgage interest rates, the potential impact of homeowners upgrading or downsizing due to lifestyle factors, and the difference between 15-year and 30-year mortgages. It also touches on adjustable-rate mortgages versus fixed-rate mortgages and offers insights into the future trajectory of mortgage rates until the end of 2025.
Jun 3, 2025 2:03 AM
— Mortgage Lending
It's a homebuyer's market — if you can afford one
The article discusses the importance of human verification to ensure online security. It highlights the various methods used to verify human users, such as captcha tests and biometric authentication.
Jun 2, 2025 4:00 PM
— Bond Markets
New Month Selling Trumps ISM Data
The bond market experienced some excess strength due to month-end trading last week, resulting in the lowest yields of the day. However, the yields were still targeted by sellers leading to a modest correction at the beginning of a new month. Despite the correction, yields remained towards the lower end of the recent range.
Jun 2, 2025 2:00 PM
— Mortgage Lenders
Guide to first-time homebuyer loans and programs
First-time homebuyer loans offer affordable rates, flexible requirements, and assistance with closing costs and down payments. Different types of loans like conventional loans, FHA loans, VA loans, and USDA loans are available for first-time buyers. Programs like down payment assistance, employer-assisted housing, and tax breaks can also help first-time buyers.
Jun 2, 2025 1:01 PM
— Mortgage Rates
Mortgage Rates Edge Higher to Start Busy Week
Mortgage rates have remained stable around just under 7% since last Tuesday. The average lender saw a slight increase from last Friday, but rates are still hovering around 7%. Economic data, such as the Manufacturing report from ISM, has had a minimal effect on rates so far.
Jun 2, 2025 12:00 PM
— Home Equity Loans
Americans tapped $25B in home equity in Q1 2025
During the first quarter of 2025, U.S. homeowners accessed nearly $25 billion in home equity through second-lien mortgages, marking a 22% increase from the previous year. The boost in activity was attributed to lower interest rates, especially for home equity lines of credit (HELOCs), which set a positive tone for the rest of the year.
Jun 2, 2025 12:00 PM
— Mortgage Rates
Mortgage and refinance interest rates today for June 2, 2025: Slightly higher for the 30-year; unchanged on the 15-year term
Current mortgage interest rates on June 2, 2025, show an increase in the average 30-year fixed mortgage rate to 6.81% while the 15-year fixed interest rate remains unchanged at 6.02%. Global unrest may impact bond markets, including the 10-year Treasury, affecting mortgage rates. Different mortgage rate options are provided, and factors influencing mortgage rates such as fixed-rate mortgages, adju... 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.