Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 289 - 312 of 3067 results
Dec 8, 2025 6:30 AM
— Interest Rates
What another Fed cut could mean for your personal borrowing costs
The Federal Reserve is expected to lower its benchmark rate by a quarter percentage point, marking the third consecutive rate reduction this year. The move may not guarantee lower borrowing costs for most Americans, as the impact varies depending on the type of loan. Short-term loans like credit cards are more directly influenced by the Fed's rate cuts, while longer-term loans like mortgages are t... more
Dec 8, 2025 4:56 AM
— Mortgage Lenders
HECM Lien Status: What It Means for Reverse Mortgage Borrowers
A Home Equity Conversion Mortgage (HECM) requires the loan to be recorded as the first lien on the property, ensuring that the reverse mortgage has priority over all other claims when the home is sold or the loan becomes due. Existing mortgages, HELOCs, and other liens must be paid off before closing, and involuntary liens can affect the process. Any HECM proceeds must first go towards paying off ... more
Dec 8, 2025 4:31 AM
— Housing Market
Best And Worst Markets For Homebuyers, Ranked
Bankrate analysis found that Pittsburgh, Detroit, and Birmingham offer the largest selection of affordable homes for typical homebuyers, while coastal metros like New York, Boston, and Los Angeles require six-figure salaries to avoid being priced out. Homeownership has become a luxury in many large U.S. cities, with metro areas in the South and Rust Belt being more affordable.
Dec 8, 2025 3:30 AM
— Housing Market
Priced Out Of 75% Of The Market, Americans' Dream of Homeownership Has Become A Luxury
Julia Sheers and her boyfriend are struggling to find a house they can afford due to the extremely competitive housing market in Charlotte and across the country. Many Americans are finding homeownership unattainable due to low inventory, rising home prices, rapidly increasing mortgage rates, and wages that haven't kept up. Supply of affordable housing is severely limited, pushing homeownership fu... more
Dec 8, 2025 3:30 AM
— Interest Rates
The Fed is likely to cut rates for a third time this year. What happens next year is less certain.
There is a consensus that the Federal Reserve will likely cut interest rates by 25 basis points in an upcoming meeting, even though there are concerns about inflation and divisions within the committee. Some officials support the rate cut, while others are hesitant and want to wait to see how the economy fares in the future.
Dec 8, 2025 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today for December 8, 2025: Will rates go down after the Fed meeting?
Mortgage rates have risen this week according to Zillow data, with the 30-year fixed-rate increasing to 6.10% and the 15-year fixed-rate to 5.55%. The Federal Reserve may cut the federal funds rate, but it doesn't guarantee a decrease in home loan rates. The article also discusses current mortgage rates, refinance rates, and different mortgage terms and types.
Dec 8, 2025 3:30 AM
— Mortgage Rates
UK mortgage rates fall to lowest since September 2022; China’s trade surplus hits $1tn – business live
China's exports exceeded forecasts driven by a surge in shipments to non-US markets. The UK saw a decrease in average mortgage rates for two- and five-year fixed mortgages to their lowest levels since early September 2022. Lenders are preparing for a competition in the home loans market with decreasing rates and activity expected to increase in early 2026.
Dec 8, 2025 12:30 AM
— Interest Rates
Current mortgage rates report for Dec. 8, 2025: Rates hold steady with Fed meeting on horizon
The article discusses the average interest rates for 30-year fixed-rate conforming mortgage loans in the U.S., how they have changed over time, and factors influencing them. It also highlights the impact of economic conditions, the Federal Reserve's actions, historical context, and ways for borrowers to get the best mortgage rates.
Dec 8, 2025 12:30 AM
— Mortgage Refinancing
Current refi mortgage rates report for Dec. 8, 2025
The article discusses the average refinance rate on a 30-year fixed-rate home loan, the process of mortgage refinancing, factors to consider before refinancing, cases where refinancing may be beneficial, different types of mortgage refinance loans, closing costs associated with refinancing, and tips for choosing the right lender. It also mentions programs like Refi Now and Refi Possible for eligib... more
Dec 7, 2025 5:30 PM
— Mortgage Lending
Is President Trump's proposed 50-year mortgage right for you? Experts weigh the pros and cons
President Donald Trump proposed 50-year mortgages as a solution to housing costs in California. Experts are skeptical, noting that the monthly savings compared to a 30-year mortgage are minimal. However, in some cases, such as when affordability is the main concern, a 50-year mortgage may make sense with the option to refinance later into a shorter loan term.
Dec 7, 2025 6:12 AM
— Mortgage Rates
Mortgage purchase applications near 3-year high as spreads improve
Mortgage purchase applications have reached a three-year high due to improved spreads keeping rates near 6% for 18 weeks. Inventory growth and slower price gains also support stronger buyer demand in late 2025.
Dec 7, 2025 4:32 AM
— Privacy and Data Protection
Schedule for Week of December 7, 2025
This article discusses the importance of protecting personal information and the option for individuals to opt out of having their personal information sold.
Dec 7, 2025 4:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 7, 2025: As rates rise, comparing offers is crucial
Zillow reports that mortgage rates are rising, with the average 30-year fixed rate at 6.10% and the 15-year fixed rate at 5.55%. Refinance rates are also provided. It is important to shop around with multiple lenders to find the best rates. Consider factors like property taxes, insurance, and term length when deciding on a mortgage. Rates vary by location and depend on your financial profile.
Dec 7, 2025 4:30 AM
— Housing Market
The ‘Great Housing Reset’ is coming: Income growth will outpace home-price growth in 2026, Redfin forecasts
The article discusses a potential 'Great Housing Reset' in 2026, where income growth is expected to outpace home-price growth, leading to increased affordability. However, obstacles like high mortgage rates and property taxes may still hinder overall affordability for prospective homebuyers. The report also highlights various living arrangements like adult children moving back in with their parent... more
Dec 6, 2025 7:31 AM
— Mortgage Stocks
Rocket, Rithm and Dynex are BTIG's favorite mortgage stocks
Rithm, Rocket, and Dynex are recommended mortgage stocks for 2026 by BTIG following a successful year for publicly traded companies in the industry. The Justice Department subpoenaed a key witness in a case involving accusations of deception by a homebuilder and its lending arm regarding borrowers' monthly mortgage payments. Experts note that origination has increased but has limits, retention rat... more
Dec 6, 2025 7:30 AM
— Mortgage Rates
CNBC Select’s weekly mortgage rate snapshot: See your options today
Mortgage rates decreased slightly at the start of December, with the 30-year fixed-rate dropping to 6.19% and the 15-year fixed-rate to 5.44%. Factors affecting rates include inflation, the rate environment, credit score, and debt profile. Housing market conditions, government policy, and the economy also impact rate pricing. Lenders use the borrower's financial profile to determine the mortgage r... more
Dec 6, 2025 4:33 AM
— Mortgage Finance
Homebuyers, Sellers at Impasse as Delistings Rise
The article discusses the various factors that can affect mortgage rates, such as economic indicators, inflation, and Federal Reserve policy decisions. It emphasizes the importance of staying informed about these factors to make informed decisions when obtaining a mortgage.
Dec 6, 2025 4:32 AM
— Mortgage Lending
Is the portable mortgage a dream solution or industry time bomb?
Interest in portable mortgages is growing in the U.S. as rate-lock contributes to stalled listings, but experts warn that the mortgage system may not be prepared for them. Supporters believe that portable mortgages could alleviate rate-lock pressure, but critics argue that they could disrupt MBS markets and offer limited consumer benefit.
Dec 6, 2025 4:32 AM
— Bond Markets
Technicals Help Reconcile Selling Pressure
The article discusses the consolidation pattern in bond yields as a way to explain selling pressure in the market. Despite some weakness, there were signs of recovery, with MBS down slightly and 10yr yields up slightly.
Dec 6, 2025 4:32 AM
— Bond Markets
Inconsequential Data and Modest Movement
The bond market this week showed trading momentum independent of economic data. The past 5 days indicated a return to the prevailing range, setting the stage for a potential break after upcoming major events like the Fed day and jobs report.
Dec 6, 2025 4:32 AM
— Interest Rates
What are today's mortgage interest rates: December 5, 2025?
Mortgage interest rates have been gradually declining in December 2025, with the average rate on a 30-year term being 5.99% and the average rate on a 15-year term being 5.37%. Refinancing rates have also decreased, with a 30-year term at 6.62% and a 15-year term at 5.51%. Waiting for a potential Federal Reserve interest rate cut on December 10 may further reduce mortgage rates, but current rates a... more
Dec 6, 2025 4:31 AM
— Mortgage Rates
3 costly mortgage mistakes to avoid after a December Fed rate cut
Mortgage interest rates may still drop this year after the Federal Reserve's possible rate cut in December. Homebuyers should start shopping for rates now as different lenders will respond in unique ways to the rate cut. Waiting for further rate cuts in 2026 is risky, and buyers should consider locking in rates under 6% now. Additionally, exploring 15-year mortgage terms could lead to significant ... more
Dec 6, 2025 4:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 6, 2025: Inflation data pushes rates higher
Mortgage rates have increased with the 30-year fixed rate at 6.10% and the 15-year fixed at 5.55%. Inflation data from PCE suggests the Federal Reserve may not be assertive with rate cuts. Rates are likely to remain flat for several months, making it a decent time to buy a house. Mortgage refinance rates are higher. The article compares 30-year fixed, 20-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM... more
Dec 5, 2025 2:33 PM
— Housing Market
Here’s what 2026 demands from homebuilding’s strategic leaders
Constellation HomeBuilder Systems' Homebuilder Guide to 2026 highlights six key signals shaping the realities of residential construction, with a focus on affordability as the primary constraint on homebuilding demand. Builders need to adapt to rising costs and changing buyer needs by incorporating cost discipline, innovative design, and affordability. The report emphasizes that successful builder... more
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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.