Mortgage News
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Showing 25 - 48 of 3726 results
Jan 26, 2026 5:30 AM
— Housing Market
What a likely Bank of Canada rate hold means for buyers, sellers and mortgages in 2026
Canada's housing market in 2026 faces a different interest rate environment compared to the previous year. Economists believe the Bank of Canada will likely remain in a holding pattern, and mortgage rates are expected to remain low. Trade disputes between Canada and the U.S. could impact the market, with experts advising caution and strategic thinking for buyers and sellers. High inventory and low... more
Jan 26, 2026 3:34 AM
— Mortgage Interest Deductibility
Is a HELOC Tax-Deductible in 2026?
The deductibility of interest on a home equity line of credit (HELOC) depends on how the funds are used, not the loan itself. Under current tax rules, interest may be tax-deductible when the money is used for buying, building, or substantially improving the taxpayer's home. Qualifying improvements must add value to the home, extend its useful life, or adapt it for new uses. Cosmetics upgrades, rou... more
Jan 26, 2026 2:33 AM
— Interest Rates
Prepayments Jump as lower rates spur December refi surge
Interest rates at the end of the year led to an increase in mortgage prepayment speeds in December as homeowners pursued refinancing. However, the national mortgage delinquency rate also rose significantly in November. Despite higher unemployment rates driving distress indicators up, most loans held by financial institutions are still performing. Lenders are advised not to expect significant monet... more
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 5:35 AM
— Housing Market
Lower mortgage rates boosting demand early in 2026
Lower mortgage rates in early 2026 have led to increased housing demand, with both pending home sales and purchase applications posting gains. Inventory and new listings are also rising as rates remain near 6%.
Jan 25, 2026 5:31 AM
— Housing Market
Trump's housing market plan contains a fatal flaw and multiple obstacles, Morgan Stanley says
Morgan Stanley strategists argue that the White House policy announcements aimed at unlocking the housing market won't significantly affect prospective homebuyers. The measures include directing GSEs to purchase $200 billion in mortgage-backed securities, which temporarily pushed mortgage rates below 6%. However, existing low-rate mortgages limit the policy's effectiveness. The primary obstacle to... 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 5:35 PM
— Housing Market
From $40 billion to $225 billion: Inside the Trump housing plan to radically change the mortgage bond buying plan
President Donald Trump's federal housing finance director allowed government-backed lenders Fannie Mae and Freddie Mac to nearly double their $200 billion bond purchases, increasing their authority to hold $225 billion in mortgage bonds each. This move could introduce new risks for the companies and has reversed long-standing bipartisan consensus to impose caps on their bond holdings. The episode ... more
Jan 24, 2026 5:37 AM
— Mortgage Lenders
Jan. 23: Marketing, AE, LO jobs; Settlement agent vetting, servicer efficiency tools; STRATMOR & tech; investors & crypto & DSCR
The article discusses various job opportunities and expansions in the mortgage industry, including positions at Arc Home, a marketing leader for a mortgage organization, Evergreen Home Loans being licensed in Minnesota, and Midwest Loan Services welcoming a new Senior Vice President of Business Development. It also mentions the Chrisman Job Board for finding employment opportunities in the mortgag... more
Jan 24, 2026 5:32 AM
— Mortgage Finance
GSE Reform Plans Uncertain Following $200B MBS Push
The article discusses the latest trends and updates in the mortgage finance industry as of 2026, including changes in mortgage rates, housing market conditions, and the role of mortgage lenders.
Jan 24, 2026 5:32 AM
— Mortgage Finance
Short Takes: House Approves HUD Budget / Interest Rates Tick Up / More Housing Hearings Scheduled / Activity in Prime Non-Agency MBS Market
The article discusses the latest trends and developments in the mortgage industry, focusing on market dynamics and key players. It highlights the impact of various economic factors on mortgage rates and lender activity.
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 9:31 AM
— Housing Market
Top Retiree Homebuying Hotspots for 2026
The housing market is posing challenges for retirees due to rising costs of living and property values. Many retirees struggle to pay expenses and are spending retirement savings faster than expected. With the U.S. approaching a peak retirement age zone, StorageCafe analyzed the best cities for retirees based on quality of life, affordability, and comfort. The top 10 housing markets for retirees i... more
Jan 23, 2026 8:31 AM
— Mortgage Finance
MBA Addresses CHLA’s Concerns About Single-Pull Proposal
The article discusses updates in the mortgage industry, focusing on recent trends and changes in the market. It highlights the importance of staying informed and adapting to the evolving landscape of mortgage lending.
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 5:46 AM
— Home Equity Investment (HEI)
Hometap Review for 2026: Terms, Access and Customer Feedback
Hometap is a home equity investment company that offers homeowners a lump-sum cash investment in exchange for a share of future home value, without interest charges or monthly payments. They provide transparency on outcomes based on market conditions and have a focus on affordability, access, risk sharing, transparency, and customer experience.
Jan 23, 2026 5:35 AM
— Mortgage Security
Realtors: Fair housing embedded in duties amid federal changes
The article discusses the importance of verifying that a human user is interacting with an online platform to prevent fraud and ensure security. It emphasizes the use of CAPTCHA tests as a common method to distinguish between humans and bots.
Jan 23, 2026 5:35 AM
— Mortgage Security
Trump’s credit card rate cap plan may restrict mortgage credit
The article discusses the importance of verifying human users through various methods like CAPTCHA, biometrics, or behavioral analysis. It emphasizes the need for these verification processes to prevent fraud and ensure the security of online transactions.
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
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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.