Mortgage News
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May 22, 2025 1:00 PM
— Mortgage Rates
Mortgage rates are on the rise. Is Trump's 'big, beautiful bill' to blame?
Mortgage rates have increased this week, with a 30-year fixed-rate mortgage now above 7%. This increase is attributed to a weaker market for U.S. Treasury bonds, concerns about spending in President Trump's bill, and inflation fears. Despite the rise in rates, Freddie Mac still sees stable rates and an increase in homebuying activity.
May 22, 2025 1:00 PM
— Mortgage Rates
A head turning six-month mortgage rate, but with a catch
This week, the lowest mortgage rates include a world-leading offer at 1.99%. True North Mortgage is offering a 1.99% rate on a six-month insured fixed mortgage, with the condition of renewing with them at a premium or paying a fee. Real estate investors are eager for such low rates, especially in struggling markets like Toronto. However, factors like bond yields, core inflation, and price expectat... more
May 22, 2025 12:02 PM
— Housing Market
State Farm's added California rate hike request gets pushback
State Farm is seeking a higher homeowners rate increase in California. Pending sales of previously owned US homes increased in March due to a brief dip in mortgage rates and rising supply of houses. Mortgage delinquency rates improved overall but the share of borrowers late by 90 days or more increased due to deteriorating FHA credit quality. The average 30-year fixed rate mortgage rose this week,... more
May 22, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Edge Down From Recent Highs, But Remain Over 7%
Mortgage rates reached their highest level in over 3 months due to concerns about the impact of the spending bill on Treasury issuance and fiscal spending. Despite the bill passing the House, the Senate's delay in getting it to the President's desk allowed markets to pause and reflect. Some investors find yields on US Treasuries increasingly appealing, which could put downward pressure on rates as... more
May 22, 2025 12:00 PM
— Mortgage Rates
Average rate on a US 30-year mortgage rises to 6.86%, its highest level since mid-February
The average rate on a 30-year mortgage in the U.S. rose to 6.86%, the highest since mid-February, which could slow down home sales in the spring buying season. Factors influencing mortgage rates include global demand for U.S. Treasuries, Federal Reserve's interest rate decisions, and bond market investors' expectations. The recent rise in rates is due to moves in the 10-year Treasury yield, causin... more
May 22, 2025 11:00 AM
— Interest Rates
Mortgage rates rise as Trump floats taking Fannie and Freddie public
Rates for 30-year fixed-rate mortgages increased slightly to 6.86% in the week ending May 22. Concerns about fiscal policy proposals and the potential public offering of Fannie Mae and Freddie Mac are contributing to an uncertain rate environment, impacting the housing market.
May 22, 2025 11:00 AM
— Mortgage Lending
Mortgage Interest Rates Today: Mortgage Rates Spike After U.S. Loses Its Top Credit Rating
The article discusses how a request for mortgage information could not be processed and directs the reader to contact unblockrequest@realtor.com for further assistance.
May 22, 2025 11:00 AM
— Mortgage Rates
Mortgage rates rise to highest level since mid-February
Mortgage rates have increased to the highest level since mid-February, with the average rate on the benchmark 30-year fixed mortgage rising. Home sales slipped last month, signaling a weak start to the spring selling season. The increase in mortgage rates is attributed to the rise in the yield on the benchmark 10-year U.S. Treasury note due to concerns about the nation's fiscal outlook after Moody... more
May 22, 2025 10:00 AM
— Mortgage Rates
Mortgage rates climb to highest level in more than three months amid bond market unrest
Mortgage rates are rising back towards 7%, reaching the highest level since mid-February. The increase is due to growing concern about the national debt, which has impacted home borrowing rates as they track the 10-year Treasury yield. These elevated rates, combined with increasing home prices, have slowed down the spring home buying season. However, national home prices continue to rise, reaching... more
May 22, 2025 9:00 AM
— Mortgage Finance
House Passes Massive Tax Bill With Housing Provisions
The article discusses the latest trends and developments in the mortgage industry as of 2025.
May 22, 2025 9:00 AM
— Mortgage Lending
Non-QM, QC Trends, Past Borrower Mining Tools; House Passes Spending Bill; Webinars Through Month-End
The article discusses the impact of the 'Sell America' trade in financial markets on rates and borrowers, highlighting concerns over rising government debt and interest payments in the U.S. The IMF lowered its US growth forecast due to trade tensions, and political decisions are influencing lending practices. The article also mentions the importance of reducing tech costs for mortgage lenders thro... more
May 22, 2025 9:00 AM
— Online Mortgage Technology
Mortgage Rates in US Rise for Second Week, Climbing to 6.86%
The article is about verifying whether the reader is a robot by clicking on a box. It also mentions the importance of having a browser that supports JavaScript and cookies to access certain content.
May 22, 2025 7:00 AM
— Bond Markets
Conspicuous Absence of Volatility After Data and Spending Bill Vote
The passage of the spending bill in the House led to only a modest extension of losses in stocks and bonds, as they had already been pricing it in throughout the week. Yields recovered into positive territory before the morning economic data release and have not changed much since then. Overall, there was surprisingly low volatility considering the news and lack of economic data for the week.
May 22, 2025 6:01 AM
— Mortgage Rates
The bond market is breaking. Washington just made it worse
The U.S. bond market is experiencing a significant sell-off, leading to long-term Treasury yields spiking to their highest levels in decades. This has caused mortgage rates to climb, stock markets to drop, and a shift in safe-haven assets like gold and Bitcoin. The sell-off is due to a supply-demand imbalance in Treasuries and a Trump-backed tax bill. Mortgage rates have surged to 7.08%, making ho... more
May 22, 2025 5:00 AM
— Mortgage Rates
Mortgage rates will go below 6% next year, Fannie says
Fannie Mae is predicting mortgage rates to fall below 6% by the second quarter of 2026. The interest rate environment is expected to result in higher refinance mortgage volume in 2025 and 2026. The top five lenders have had a high mortgage origination volume, and there have been discussions around GSE reform and tax bill debates affecting yields on the 10-year Treasury.
May 22, 2025 3:02 AM
— Tax Deduction on Auto Loan Interest
Who Benefits From The Potential Auto Tax Deduction?
There is a proposal to introduce a tax deduction on auto loan interest paid toward American-made cars, with estimates suggesting that the average car owner could save $400 annually. However, experts are skeptical about the deduction's impact on consumer choice and the broader goal of increasing vehicle sales in the U.S.
May 22, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, May 22, 2025: Sharply higher on national debt concerns
Mortgage interest rates experienced a significant increase, with the average 30-year fixed rate rising to 6.93%. The 15-year fixed rate remained stable. Bond yields have also surged, suggesting higher mortgage rates. Various factors impact mortgage rates, such as the economy, which determines whether rates increase or decrease. Two common mortgage terms are discussed: the 30-year mortgage with low... more
May 21, 2025 9:00 PM
— Mortgage Rates
Trump Floats ‘Very Serious’ Plan That Could Hike Mortgage Rates
President Donald Trump is considering bringing Fannie Mae and Freddie Mac public, two government-sponsored enterprises that back around 70% of the U.S. mortgage market. The idea of privatizing them has been discussed before, but concerns about potential consequences, like increasing mortgage rates, have been raised.
May 21, 2025 7:00 PM
— Mortgage Lenders
Trump floats taking Fannie Mae and Freddie Mac public as deficit fears grow
The article discusses a special introductory offer for a subscription service that provides unlimited access and possibilities. There are two options available - a monthly subscription for $1 for the first month, renewing at $12.95 per month, and an annual subscription for $49, saving $100, renewing at $149 per year. Subscribers get access to various benefits, including going ad-free.
May 21, 2025 7:00 PM
— Mortgage Lending
Trump ‘giving very serious consideration’ to spinning off mortgage giants Fannie and Freddie
President Donald Trump is considering privatizing Fannie Mae and Freddie Mac, government-sponsored entities that play a crucial role in the home mortgage market. Some experts warn that privatization could lead to higher mortgage rates and make it more expensive for Americans to borrow money to purchase a home. Trump's attempt to privatize Fannie and Freddie in 2019 was unsuccessful. Privatizing co... more
May 21, 2025 6:01 PM
— Housing Market
Trump considers taking mortgage giants Fannie Mae and Freddie Mac public
President Donald Trump is considering bringing government-sponsored mortgage giants Fannie Mae and Freddie Mac public, a move that would have a significant impact on the housing market. The government currently controls Fannie Mae and Freddie Mac, but privatizing them could potentially lead to higher mortgage rates if not done carefully.
May 21, 2025 3:01 PM
— Bond Markets
Treasury Auction Blamed as Bond Vigilantes' Smoking Gun
The bond market experienced some volatility due to the 20-year auction, resulting in selling in both stocks and bonds. However, the auction was not as significant as the market reaction suggested.
May 21, 2025 1:00 PM
— Mortgage Rates
Mortgage Rates Move Up to 3 Month Highs
Mortgage rates started the day at 7.05%, worsened throughout the day due to weak bond market performance after a 20yr Treasury bond auction with lower demand than expected. Updates on the budget debate in congress also contributed to negative sentiment. As a result, mortgage rates increased to 7.08%, the highest closing level in over 3 months.
May 21, 2025 12:01 PM
— Mortgage Lenders
‘Marry the house, date the rate’: Smart strategy or outdated advice?
As mortgage rates rise, the housing industry is encouraging buyers to focus on finding a house they love and commit to it, while being flexible with mortgage rates. Refinancing is seen as a way to 'break up' with the old mortgage in favor of a better one in the future.
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.