Mortgage News
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Nov 14, 2025 1:32 PM
— Mortgage Rates
Rates Rise on Friday, Now Near 2-Month Highs
Mortgage rates slightly increased on Friday, reaching 2-month highs after a day of fluctuation in the bond market due to heavy buying initially but ultimately erasing morning gains.
Nov 14, 2025 11:32 AM
— Mortgage Rates
Mortgage rate locks stay strong, refis drive activity
Optimal Blue's October 2025 Mortgage Data Report showed that rate-lock activity remained strong despite seasonal slowing. Total locks decreased by 4.2% from September but increased by 18% year-over-year. Purchase activity stayed steady, while cash-out refinances grew by 6%. The 30-year fixed rate averaged 6.16%, boosting affordability and investor confidence in agency MBS markets.
Nov 14, 2025 11:31 AM
— Housing Market
Fitch flags cooling housing market through 2027
The U.S. residential housing economy growth is expected to slow down this year due to various factors including higher tariffs on builder supplies, labor issues, and weaker sentiment in the sector. Two government-sponsored enterprises are considering expanding mortgage transfers. Foreclosures have increased for the eighth consecutive month, refinancing has increased as rates eased, and rising deli... more
Nov 14, 2025 11:30 AM
— Interest Rates
How much does a $600,000 mortgage cost per month after the October Fed rate cut?
The article discusses how the Federal Reserve's rate cuts have influenced mortgage rates, making them more favorable for potential homebuyers. The average 30-year fixed mortgage rate has improved from over 7% at the start of the year to around 6% currently, resulting in significant monthly savings for borrowers. It also highlights the potential benefits of refinancing for homeowners with higher ra... more
Nov 14, 2025 10:32 AM
— Mortgage Rates
Purchase Demand Near Best Levels Since January 2023
Mortgage applications increased slightly despite rates going up, with total volume rising on a seasonally adjusted basis. Refinance activity remains strong compared to previous years, but saw a 3% drop from the previous week. Purchase activity picked up, reaching the strongest pace since September even with higher mortgage rates. The refinance share of mortgage activity declined, while FHA and con... more
Nov 14, 2025 9:30 AM
— Mortgage Rates
Trump administration tries to break through lock-in effect with 'portable mortgages'
The Trump administration is considering portable mortgages to address the issue of high mortgage rates that are keeping people from buying homes or selling their existing ones. Portable mortgages would allow homeowners to take their lower mortgage rate with them when they move, potentially increasing the supply of homes on the market. However, this could also lead to higher list prices and disrupt... more
Nov 14, 2025 8:31 AM
— Mortgage Finance
Refi Activity Rises in 3Q, Purchase Lending Wanes
The article discusses the latest trends in the housing market. It highlights the current shortage of housing inventory and how it is leading to increased home prices. The article also mentions the impact of rising interest rates on potential homebuyers, making affordability a growing concern.
Nov 14, 2025 8:30 AM
— Mortgage Lenders
Trump administration is 'evaluating' portable mortgages. What that means for homeowners.
A portable mortgage allows homeowners in Canada and the UK to keep their existing loan terms and interest rates when buying another house. In the U.S., portable mortgages are not available due to the structure of the housing industry and the reliance on mortgage-backed securities. Efforts have been made in Maine and at the federal level to consider portable mortgages, but changes in legislation an... more
Nov 14, 2025 7:30 AM
— Housing Market
Mortgage rates tick higher for second straight week
Federal housing official Bill Pulte suggested 'portable mortgages' to boost the declining housing market. Mortgage rates increased slightly for the second consecutive week, with the 30-year fixed rate rising to 6.24%. The 10-year Treasury yield remained stable at around 4.11%. The 15-year fixed mortgage rate decreased to 5.49%. Challenges persist in the housing market due to the slow recovery post... more
Nov 14, 2025 6:30 AM
— Bond Markets
Stronger Start After 7am Magical Mystery Move
Bonds were mostly flat and slightly weaker overnight, despite a drop in stocks. There is speculation about a 'secret club' influencing the market and potential connections to UK bond movements.
Nov 14, 2025 6:30 AM
— Interest Rates
What are today's mortgage interest rates: November 14, 2025?
The article discusses the current opportunity for homebuyers to take advantage of lower mortgage interest rates during the holiday season. It highlights the importance of acting now to capitalize on the declining rates, minimal competition, and negotiable home prices. It also mentions the potential savings for homeowners considering refinancing their mortgages at lower rates.
Nov 14, 2025 4:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 14, 2025: Mostly unchanged (but still near 2025 lows)
The article discusses the current mortgage rates according to Freddie Mac and Zillow data, providing rates for different types of mortgages. It explains the difference between fixed-rate and adjustable-rate mortgages, and the impact of mortgage rates on monthly payments and total interest paid. The article also mentions forecasts from Fannie Mae and the Mortgage Bankers Association regarding futur... more
Nov 13, 2025 7:31 PM
— Foreclosures
Foreclosures climb for eighth straight month
Foreclosures increased for the eighth consecutive month in October, reaching levels close to those seen before the pandemic. The rise in foreclosures was driven in part by high costs. The article also mentions a fintech company that had over $2 billion in home equity line of credit volume in the third quarter, growing production in crypto and non-QM offerings, and the increase in FHA loans contrib... more
Nov 13, 2025 4:30 PM
— Mortgage Lenders
Portable Mortgages Could Break the Housing Market Lock-In—but Do Little for Affordability
The article states that the request could not be processed and provides a reference ID for further assistance. It advises contacting unblockrequest@realtor.com if the issue persists.
Nov 13, 2025 1:30 PM
— Bond Markets
Moderately Weaker With Only The Reopening to Blame
After the government reopened, both stocks and bonds experienced moderate sell-offs. The bond market weakness aligned with expectations of economic growth due to the shutdown. Comments from Fed speakers raised concerns about a December rate cut. Economic data releases will be delayed until further notice.
Nov 13, 2025 12:30 PM
— Mortgage Rates
Mortgage Rates Near The Top of Recent Range
Mortgage rates rose after the late October Fed meeting but have remained in a narrow range in November. The reopening of the government may have caused the slight upward pressure on rates. Further movement will depend on upcoming economic data.
Nov 13, 2025 12:30 PM
— Housing Market
Trump administration is 'evaluating' portable mortgages. What that means for homeowners.
A portable mortgage allows you to keep your existing loan terms and interest rate when buying a new house, instead of getting a new loan with a potentially higher interest rate. Portable mortgages are currently available in Canada and the United Kingdom, where borrowers typically have shorter loan terms. In the U.S., the housing industry structure does not currently allow for portable mortgages du... more
Nov 13, 2025 10:31 AM
— Mortgage Rates
50-year mortgage plan piles on interest, analysis finds
The Trump administration suggested the idea of a 50-year mortgage to help more Americans afford monthly payments on homes. However, analysts have found that while this could reduce monthly payments, it would also double the amount of interest the owner pays over the life of the loan. Mortgage rates have shown a mixed picture recently, with some rates rising and others falling due to various econom... more
Nov 13, 2025 10:30 AM
— Mortgage Rates
Mortgage Rates Tick Higher as Home Affordability Challenges Persist
The average 30-year mortgage rate rose slightly to 6.24%, creating affordability challenges for buyers as home prices remain at near record highs. Potential rate cuts could provide relief by bringing down the 10-year Treasury yield, which the mortgage rate closely tracks. Pending home sales dropped for the first time in four months, with homes taking longer to go under contract. Median home sales ... more
Nov 13, 2025 10:30 AM
— Interest Rates
Average US long-term mortgage rate rises again, inching up to 6.24%
The average rate on a 30-year U.S. mortgage increased slightly this week to 6.24%, but remains near its low point for the year. Mortgage rates are influenced by factors such as Federal Reserve decisions and bond market expectations. Sales of homes have been slow, but accelerated recently as rates eased, prompting an increase in loan applications for both home purchases and refinancing.
Nov 13, 2025 9:50 AM
— Mortgage Rates
Homebuyer activity climbs despite minor rate uptick
Mortgage rates rose slightly this week, but home purchase activity remained unaffected. Total foreclosures rose in October. Companies are considering deals due to their optimism or the high prices in the market. President Trump is pushing for government-sponsored loan buyers to aid in the creation of lower-cost homes. Loan originators share their success secrets.
Nov 13, 2025 9:31 AM
— Mortgage Finance
MSR Appetites Remain as Year Comes to a Close
The article discusses the latest trends in the mortgage market as of 2025. It highlights changes in mortgage rates, lender activity, and the overall housing market.
Nov 13, 2025 9:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 13, 2025: Rates aren't moving much
The article discusses the current mortgage rates, both for purchase and refinance mortgages, as well as different types of mortgage rates such as fixed-rate and adjustable-rate mortgages. It also explains factors that influence mortgage rates, differences between 30-year and 15-year mortgages, strategies for getting the lowest mortgage rates, and common banks with low median mortgage rates.
Nov 13, 2025 9:30 AM
— Mortgage Rates
When will mortgage rates go down? Rates are barely moving.
Mortgage rates have increased recently but are still lower compared to last year. The Federal Reserve cutting the fed funds rate doesn't guarantee lower mortgage rates. Mortgage rates follow the 10-year Treasury yield closely, but the spread added by lenders influences the final rate. Buying a home now depends on more than mortgage rates, as high demand and low supply have kept housing prices high... 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.