Mortgage News
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Nov 12, 2025 4:36 AM
— Mortgage Rates
Refi spike tapers off despite falling rates
Refinancing slowed down in October after consecutive months of dramatic spikes, pushing down rate-lock activity. Two government-sponsored enterprises are looking into expanding mortgage transfers between borrowers. Rate-and-term transactions, cash-outs, and purchase loans increased. Mortgage loan application volume rose. Refinancing pushed mortgage originations higher as rates eased, but rising de... more
Nov 12, 2025 4:35 AM
— Mortgage Lenders
Fannie, Freddie eyeing assumable or portable loans: Pulte
Fannie Mae and Freddie Mac, under conservatorship in the US, are exploring more opportunities with loans transferred between buyers and sellers, with the goal of speeding up lower-cost home creation. Federal Housing Finance Agency Director Bill Pulte is working towards a partnership to achieve this goal and has been critical of homebuilders and the Fed chair in a recent interview.
Nov 12, 2025 4:34 AM
— Mortgage Finance
Banks’ Mortgage Earnings Improve in Third Quarter
The article discusses the latest trends in the housing market, highlighting an increase in mortgage applications and home sales. It also mentions the impact of low mortgage rates on the growing demand for home purchases.
Nov 12, 2025 4:33 AM
— Mortgage Rates
Thursday: No Weekly Claims or CPI Data
The government shutdown is expected to end soon, and new schedules for statistical agencies will be posted. It is likely that the October employment and CPI reports will not be released due to missing data. Mortgage rates from MortgageNewsDaily.com are for top tier scenarios.
Nov 12, 2025 4:32 AM
— Mortgage Rates
Declining mortgage rates boost refinance and home equity lending
Mortgage rates have dropped to their lowest in a year, leading to increased opportunities for refinancing and home equity borrowing. Homeowners have $11.2 trillion in tappable equity, providing potential volume growth for lenders.
Nov 12, 2025 4:32 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 12, 2025: Steady, near 2025 lows
Mortgage rates, according to Zillow, are mostly steady with 30-year fixed rates around 6.16%. The average rate for 15-year fixed mortgages is 5.61%. The article discusses the different types of mortgages, such as adjustable-rate mortgages, and their pros and cons. It also mentions how mortgage rates are determined and suggests checking various refinance options to achieve a lower rate.
Nov 12, 2025 4:31 AM
— Mortgage Lenders
What a 50-Year Mortgage Would Mean for Home Buyers
The Trump Administration is working on introducing 50-year mortgages for home buyers, generating criticism from various experts and lawmakers. The proposed mortgage would have lower monthly payments but could lead to significant drawbacks such as taking longer to pay off the debt, slower equity building, and greater risk of negative equity. Although the administration claims it would make homeowne... more
Nov 12, 2025 4:30 AM
— Housing Market
White House officials unhappy about 50-year mortgage idea released by top housing official, sources say
There was a proposal for a 50-year mortgage that was not fully vetted by top Trump administration officials. The idea was floated by federal housing official Bill Pulte and was approved by President Trump, despite some officials expressing frustration. The Trump administration has been working on other ideas to promote housing affordability as well, but no final decisions have been made on longer-... more
Nov 12, 2025 4:30 AM
— Housing Market
The 50-year mortgage would cost you nearly $400k more than the standard, AP analysis says
The White House is considering backing a 50-year mortgage to address home affordability, but it has faced criticism for not addressing core housing market issues. Extending the mortgage term would lower monthly payments but significantly increase the amount of interest paid and slow equity accumulation. Analysts believe that introducing a 50-year mortgage could worsen home price inflation due to i... more
Nov 12, 2025 4:30 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, November 12, 2025: Lowest of the year, but will rates drop again before the end of the year?
The average HELOC rate is currently 7.64%, which is the lowest rate of the year. Homeowners have a significant amount of value tied up in their houses, making a Home Equity Line of Credit (HELOC) a useful financial tool to access that value without selling the house. The interest rates for HELOCs are different from primary mortgage rates and can vary significantly from lender to lender, typically ... more
Nov 12, 2025 4:30 AM
— Mortgage Refinancing
Current refi mortgage rates report for Nov. 12, 2025
The article discusses current average refinance rates on a 30-year fixed-rate home loan, the process of refinancing a mortgage, the impact of Federal Reserve cuts on interest rates, factors to consider when refinancing, and different refinance options available. It also mentions the importance of considering closing costs, shopping around for lower rates, and potential incentives for refinancing w... more
Nov 12, 2025 4:30 AM
— Mortgage Rates
Mortgage demand from homebuyers hits highest level since September, despite rising interest rates
Despite an increase in average contract interest rates for 30-year fixed-rate mortgages, mortgage applications to purchase a home rose 6% to their strongest pace since September. Demand for refinancing dropped 3% for the week but was still significantly higher than the same week one year ago. Mortgage rates have remained relatively stable, with markets keeping an eye on the potential end of the go... more
Nov 11, 2025 8:31 PM
— Mortgage Finance
Refi Business Up Slightly in 3Q, Purchase Lending Slows
The article discusses recent trends in the housing market, noting an increase in mortgage lending activity. It mentions that mortgage rates have remained relatively stable, leading to a surge in homebuying activity. The article also highlights the importance of staying informed about mortgage-related topics in order to make informed decisions in the current market.
Nov 11, 2025 4:35 AM
— Mortgage Finance
Short Takes: Senate Expects Vote on Shutdown This Week / Rate Locks Down Slightly / Roam Teams With Opendoor on Assumable Mortgages / Consumers Holding Off on Homebuying During Shutdown
In October, fewer loans were locked possibly due to uncertainty caused by the federal shutdown and speculation about the next interest rate cut by the Fed.
Nov 11, 2025 4:34 AM
— Mortgage Finance
Falling Mortgage Rates Expand Refi Eligibility
The article discusses recent trends in the housing market, noting that mortgage rates have been steadily increasing. This has led to a decrease in refinancing activity but an increase in demand for new home purchases. Despite the higher rates, there is optimism that the housing market will remain strong due to low inventory and high buyer demand.
Nov 11, 2025 4:33 AM
— Bond Markets
Shutdown Resolution in Sight. What Next?
There is a possibility that the government shutdown will end this week if enough members of the House return to D.C. Some believe that weak overnight bond market performance may be connected to this potential shutdown end, but early recovery suggests skepticism as there was no new news on the shutdown. If the shutdown ends, there could be bond market weakness due to the prolonged harm to the econo... more
Nov 11, 2025 4:33 AM
— Mortgage Lending
Tax Service, Realtor Marketing, Debt Payment Tools; Curinos on Apps; Events and Training
The article discusses the idea of using 50- or 100-year mortgages to improve affordability, but ultimately concludes that these long-term mortgages are often used by affluent homeowners for estate planning purposes. It also highlights various tools, services, and events related to mortgage lending, technology, debt consolidation, and marketing in the industry.
Nov 11, 2025 4:33 AM
— Mortgage Rates
Mortgage Rates Edge Higher But Remain in November Range
Mortgage rates slightly increased over the weekend as bonds lost ground, leading to a 0.02% increase in the average top-tier 30yr fixed rate. Despite this, mortgage lenders remain within the 0.10 range that has been consistent since October 29th. With bond markets closed for Veterans Day, potential government shutdown resolution may impact rates upon reopening on Wednesday.
Nov 11, 2025 4:32 AM
— Bond Markets
Counting Down to Ending The Shutdown After Tuesday's Holiday Closure
Bonds were weaker overnight, partly attributed to the increased likelihood of the government reopening. The upcoming week is expected to be eventful, with the possibility of a House vote on a shutdown resolution. Despite a well-received TSY auction, the market saw a slight weakening compared to the morning levels.
Nov 11, 2025 4:31 AM
— Housing Market
Why Trump's push for a 50-year mortgage could backfire
President Trump has suggested a 50-year fixed-rate mortgage to boost the US housing market, aiming to make home ownership more accessible by spreading out payment periods and reducing monthly installments. However, economists are skeptical, stating that longer mortgages are riskier and may lead to a potential increase in home prices, ultimately affecting wealth accumulation for homeowners. They ar... more
Nov 11, 2025 4:31 AM
— Mortgage Lenders
A 50-Year Mortgage? It’s Not a Terrible Idea
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Nov 11, 2025 4:31 AM
— Mortgage Lending
Mortgage credit availability hits 3-year high
Mortgage credit availability reached a three-year high due to a significant increase in conventional mortgages. Various companies and organizations in the industry, such as Fortress, First American, Planet Home Lending, and the Mortgage Bankers Association, have made significant moves and predictions recently.
Nov 11, 2025 4:31 AM
— Bond Markets
Trump just floated a 50-year mortgage. Is that a good idea?
The article discusses the Fear & Greed Index in the markets, which is used to gauge investor sentiment and market conditions. It measures emotions like fear and greed to help investors make decisions. By clicking 'Agree', readers acknowledge the Terms of Use and consent to the collection of their information through cookies and similar technologies.
Nov 10, 2025 7:32 PM
— Housing Market
1st Look at Local Housing Markets in October
The article discusses the first look at local housing markets in October, as featured in the Calculated Risk Real Estate Newsletter.
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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.