Mortgage News
The Most Comprehensive Source of Mortgage-Related News
Each article is summarized for your convenience. Click on the title to see the original.
Showing 49 - 72 of 3726 results
Jan 23, 2026 4:31 AM
— Mortgage Lenders
Can Retirees Use HELOCs Safely?
Retirees facing uneven income streams may consider using a home equity line of credit (HELOC) to manage short-term cash needs. However, while a HELOC can provide flexibility, it can also add stress to a fixed budget, especially in retirement when income is not as consistent. Risks such as variable interest rates, lender freezes or reductions, health-related expenses, and longevity risk should be c... more
Jan 23, 2026 2:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 23, 2026: Close to one-year lows
The article discusses current national average mortgage and refinance rates, advising potential homeowners to shop for the best lender offering low rates. It explains the difference between fixed-rate and adjustable-rate mortgages and provides insight into when each type is suitable. Additionally, the article indicates that mortgage rates have generally been decreasing since the end of May, and th... more
Jan 22, 2026 3:31 PM
— Mortgage Lenders
Forbearance starts more than double in October as refinance market shifts
The number of homeowners entering forbearance plans on loans backed by Fannie Mae or Freddie Mac doubled in October, with serious delinquency rates staying steady. The report also shows a shift in the refinance market, with cash-out refinances decreasing as borrowers prioritize rate-and-term benefits. The FHFA completed over 17,000 foreclosure prevention actions in October, with permanent loan mod... more
Jan 22, 2026 2:36 PM
— Bond Markets
No Reaction to Early Data, But Slightly Weaker Overnight
After Trump announced a potential deal on Greenland, bond and stock markets reacted positively as it signaled a pause in new tariffs and changes in foreign demand for Treasuries. The early economic data did not have much impact, and the focus now is on the upcoming PCE inflation data. Yields have been slowly rising along with European markets, but Treasuries still have most of their gains from the... more
Jan 22, 2026 1:30 PM
— Mortgage Rates
3.75% financing or less: Is it a good time to buy a new construction home?
The article discusses new home builders offering affordable housing options, including new construction homes that provide lower mortgage rates and come with various incentives such as lower down payments, price breaks, discounts on closing costs, and upgrades. However, buyers should be cautious about builder financing deals to ensure they are not misled by advertised rates. Comparing offers from ... more
Jan 22, 2026 1:30 PM
— Mortgage Rates
Mortgage rates tick higher but remain near 3-year low
Mortgage rates have fallen to their lowest level since February 2023, with the average rate on the 30-year fixed mortgage rising to 6.09%. Factors such as the Federal Reserve and geopolitics influence mortgage rates. Recent policy decisions, including President Donald Trump's announcement regarding Fannie Mae and Freddie Mac purchasing mortgage-backed securities, have contributed to the rate decli... more
Jan 22, 2026 12:30 PM
— Mortgage Rates
Another Micro-Victory For Mortgage Rates
Mortgage rates have slightly decreased over the past two days, with the daily rate index dropping to 6.19% from 6.21% at the beginning of the week. Recent economic data did not significantly impact the bond market due to its timeliness and alignment with forecasts. Market remains sensitive to geopolitical risks and fiscal outlook headlines.
Jan 22, 2026 11:42 AM
— Mortgage Rates
Mortgage Applications Increase in Latest MBA Weekly Survey
Mortgage applications increased by 14.1% from the previous week, with the Refinance Index increasing by 20% and the Purchase Index increasing by 5%. Mortgage rates declined, prompting more refinance and purchase activity, with refinance applications accounting for over 60% of total applications. Average interest rates decreased across different loan types.
Jan 22, 2026 10:30 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 slightly increased this week but remains near its lowest level in over three years. The 30-year fixed rate mortgage rose to 6.09% from 6.06% last week, while the 15-year fixed-rate mortgage also rose to 5.44%. Mortgage rates are influenced by factors like the Federal Reserve's interest rate policy decisions and bond market investors' expectations. Despite t... more
Jan 22, 2026 9:52 AM
— Mortgage Rates
Mortgage rates rise as investors react to Greenland comments
Mortgage rates moved slightly higher this week due to elevated 10-year Treasury yields, impacted by investor concerns over Pres. Trump's Greenland pronouncements. The 30-year fixed rate mortgage has been fluctuating recently but is expected to reach 6% for 2026.
Jan 22, 2026 9:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 22, 2026: A small move higher
Mortgage and refinance rates increased slightly over the past week. The 30-year fixed mortgage rate rose to 6.09%, and the 15-year rate increased to 5.44%. The article discusses mortgage rate comparisons, the impact of the economy on rates, mortgage types, factors affecting mortgage rates, and refinancing strategies.
Jan 22, 2026 9:30 AM
— Mortgage Rates
Mortgage rates edged up slightly this week amid market swings
Mortgage rates increased slightly this week due to geopolitical tensions between the US and Europe. President Trump's tariff threats over Greenland caused rates to jump briefly before settling back down. The 10-year Treasury yield fell towards the end of the week, potentially leading to lower rates in the future.
Jan 22, 2026 9:30 AM
— Mortgage Rates
Average US long-term mortgage rate edges higher, but still near lowest point in more than 3 years
The average 30-year fixed rate mortgage rose slightly to 6.09%, while the 15-year fixed rate increased to 5.44%. Mortgage rates are influenced by factors such as the Federal Reserve's interest rate policy and bond market investors' expectations. The housing market has been sluggish due to higher mortgage rates, rising home prices, and a shortage of homes. However, a pullback in mortgage rates has ... more
Jan 22, 2026 8:32 AM
— Mortgage Lending
Trump plan for 401(k) withdrawals may reshape housing demand
President Trump is expected to propose allowing Americans to use their 401(k) retirement accounts without penalties to fund down payments on homes, which could increase homebuying demand. However, experts warn that it may weaken retirement security and push up prices.
Jan 22, 2026 8:30 AM
— Mortgage Finance
GSE MBS Purchases Could Provide Only Temporary Boost
The article is about Inside Mortgage Finance Publications announcing a new design, content management system, hosting, and web development in 2026.
Jan 22, 2026 8:30 AM
— Mortgage Lenders
US Mortgage Rates Inch Up From a Three-Year Low, Reaching 6.09%
To access Bloomberg.com's global markets news, users need to click a box to confirm they are not a robot and ensure their browser supports JavaScript and cookies.
Jan 22, 2026 6:30 AM
— Mortgage Rates
Trump says inflation was 'defeated.' Some economists disagree
President Donald Trump claimed victory over inflation during a speech in Switzerland, stating that various consumer expenses like grocery prices, energy prices, airfares, mortgage rates, rent, and car payments are coming down. However, federal data indicates that inflation rates are still elevated, with core CPI at 2.6%. Economists note that Trump's tariff policies are impacting inflation, with av... more
Jan 22, 2026 5:33 AM
— Mortgage Rates
Trump fumbles on housing affordability in closely watched Davos speech
President Donald Trump did not announce any new proposals to address U.S. homebuyer affordability during his speech at the World Economic Forum. He reiterated his plan for Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities and to restrict sales of single-family homes to large institutional investors. However, housing economists believe these proposals will do little ... more
Jan 22, 2026 5:32 AM
— Mortgage Security
Mortgage Applications Increase in Latest MBA Weekly Survey
The article discusses the importance of verifying that individuals are human through various verification processes in order to prevent fraud and ensure the security of online transactions.
Jan 22, 2026 5:31 AM
— Mortgage Regulations
MBA sends White House a list of easy wins on mortgage costs
The Mortgage Bankers Association, along with other financial services trade organizations, delivered a letter outlining three near-term actions to the White House's National Economic Council. These actions aim to lower costs for mortgage borrowers by reducing regulations and fees. The letter emphasizes the need to simplify regulations to make mortgage origination and servicing more affordable.
Jan 22, 2026 5:30 AM
— Mortgage Rates
30-year mortgage rates unchanged - When should you lock? | Today's mortgage and refinance rates, January 22, 2026
Average mortgage rates remained mostly unchanged, resulting in stability in the market. The 30-year fixed rate is 6.13%, while the 15-year fixed rate is 5.57%. The 5/1 ARM rate is 5.42%, and the jumbo mortgage rate is 6.37%. The 30-year fixed-refinance rate is 6.50%. Overall, rates have eased compared to the beginning of 2025.
Jan 22, 2026 5:30 AM
— Mortgage Lenders
Homebuying and Selling Activity Show Signs of Life Amid Lower Mortgage Rates
The article discusses the steps individuals can take to ensure they are accessing Redfin.com according to the website's terms of usage. It emphasizes the importance of being familiar with the terms and conditions, avoiding automated access, and refraining from unauthorized scraping or data collection. Failure to adhere to these guidelines can result in the suspension of access to the website.
Jan 21, 2026 8:30 PM
— Mortgage Rates
After dipping to a three-year low, mortgage rates inch back up
The article discusses how mortgage rates were affected by President Trump's announcement directing Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities. The rates initially fell to 6.18% but moved back up to 6.25% in the following week. The article also mentions that the consensus is that mortgage rates will slightly lower, with Fannie Mae's January 2026 Housing Forecast pr... more
Jan 21, 2026 6:30 PM
— Emergency Savings
Bankrate’s 2026 Annual Emergency Savings Report
A Bankrate survey found that only 47% of Americans have sufficient liquid funds to cover a $1,000 emergency expense. 30% would use their savings, 17% would rely on regular income, and 33% would go into debt. Reasons for not saving more include inflation, changing income, and recent interest rate cuts. Increasing emergency savings is tied to higher household earnings, and demographics like men, you... 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.