Mortgage News
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Sep 2, 2025 7:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, September 2, 2025: Good time of year to buy a house
Mortgage rates are relatively flat today, but they've been decreasing over the last month. According to Zillow, the current 30-year mortgage...
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2 hours ago
Yahoo Finance
The article discusses current mortgage rates, the best time of year to buy a home, different types of mortgages, the impact of different term lengths on payments and interest, and provides information on adjustable-rate mortgages and fixed-rate mortgages. It also touches on the expected trajectory of mortgage rates through the end of 2025.
Sep 2, 2025 5:23 AM
— Housing Market
Trump May Declare National Housing Emergency—but What Is It?
President Donald Trump is considering declaring a national housing emergency to address the affordability crisis in the U.S. housing market, caused by high home prices, elevated mortgage rates, and rising costs. Limited inventory during the pandemic led to a surge in demand and a significant increase in home prices. Mortgage rates remain high, and Americans are struggling to buy homes. Property ta... more
Sep 1, 2025 4:23 PM
— Mortgage Lending
There's a Worrying Glut of New Homes Languishing on the Market
The article discusses the benefits of an account and the terms of service and privacy policy that the user must agree to in order to continue. It also mentions that users will receive newsletters and marketing emails from Business Insider, with the option to opt out anytime.
Sep 1, 2025 2:24 PM
— Interest Rates
High-Yield Savings Rates Today: September 1, 2025 | You Can Still Earn Up To 4.35% APY
Market watchers eagerly wait to see if the Federal Reserve will lower its benchmark rate at the upcoming meeting, which could lead to lower rates on loans. Savers may not benefit from a rate cut as it could result in declines in savings account interest rates. The top savings account APY is currently 4.35 percent. The Federal Reserve has not changed rates at its previous meetings but may consider ... more
Aug 30, 2025 4:12 PM
— Housing Market
The housing market is no longer a wealth-building engine as home prices continue to slump
High home prices and mortgage rates are creating unaffordable conditions for many Americans. The housing market's ability to create wealth has declined as home prices are failing to keep pace with inflation. Housing demand remains muted, and the selling season has been disappointing. Analysts predict that home prices will turn negative by year-end due to low demand and rising inventories.
Aug 30, 2025 8:23 AM
— Mortgage Rates
Homebuyers Are 'Sitting Tight,' Waiting for Lower Mortgage Rates—Why One Agent Says They Should Act Now
The weekly average 30-year fixed mortgage rate dropped to 6.58%, the lowest level in 10 months, prompting some buyers to enter the market. However, there are still more sellers than buyers, making it a buyer's market. Experts predict that mortgage rates will continue to decrease, especially if the Federal Reserve cuts interest rates in September.
Aug 29, 2025 3:23 PM
— Interest Rates
Trump says Fed rate cuts will make a solid US economy even better. Is he right?
President Donald Trump is trying to reshape the makeup of the Federal Reserve to push for aggressive rate cuts, believing that high mortgage rates are pricing out Americans from buying homes. While experts say lower rates may be necessary, cutting rates too quickly could lead to inflation and increased mortgage prices. The Fed is considering rate cuts due to weak labor market conditions, but Trump... more
Aug 29, 2025 2:24 PM
— Debt Consolidation Loans
How a personal loan can help you achieve financial freedom
Bankrate's Financial Freedom Survey found that most U.S. adults feel financially insecure due to rising inflation. Personal loans, often misunderstood, can be a valuable tool for achieving financial freedom by consolidating debt, improving credit scores, and providing a fixed payoff date. Unlike credit cards, personal loans have fixed payments and cannot be reused. Financial literacy is crucial, a... more
Aug 29, 2025 2:24 PM
— Bond Markets
Calm Day to End A Calm Week
The bond market remained calm on Friday despite the release of significant economic data. Slow, steady gains were observed throughout the week for unknown reasons. August followed expectations by maintaining a narrow range, avoiding a challenge to the range set by the last jobs report day. The upcoming week, although shortened due to Labor Day, is expected to bring more volatility to the bond mark... more
Aug 29, 2025 12:26 PM
— Mortgage Rates
Rates End Week at Best Levels; Next Week Could be Huge
Mortgage rates remained stable throughout the week, with most changes leading to slightly lower rates. This stability is beneficial for borrowers and mortgage professionals. However, the upcoming week is expected to bring more volatility due to important economic reports being released.
Aug 29, 2025 12:14 PM
— Interest Rates
How Trump's Push To Remake The Fed Could Backfire On Your Wallet
President Trump is attempting to remove Fed governor Lisa Cook from her position due to allegations of fraud, despite Cook filing a lawsuit against the attempt. Political interference in the Fed could lead to higher interest rates and inflation, impacting consumers negatively. Trump's efforts to control the Fed could weaken its independence and harm the economy.
Aug 29, 2025 12:14 PM
— Mortgage Rates
30-year mortgage rates fall: How long should buyers wait? | Today's mortgage and refinance rates, August 29, 2025
Average mortgage rates were mostly lower compared to last week, with rates for 30-year fixed, 15-year fixed, and 5/1 ARM moving lower. The Federal Reserve is expected to cut interest rates next month, but it may not lead to a significant drop in mortgage rates. Mortgage rates are predicted to remain in the mid- to high-6 percent range through the end of the year. The current average rate for a 30-... more
Aug 29, 2025 12:14 PM
— Housing Market
Loan Calculator and Verification Tools; Event Calendar; Insurance Costs; Mortgage Banking Bound Interview
The article discusses the increase in the share of adjustable-rate mortgages due to short-term rates dropping relative to long-term rates. It mentions that renting is cheaper than buying in most MSAs, and the homeownership rate has hit the lowest level since 2019. The text also includes advertisements for various mortgage-related products, services, and events.
Aug 29, 2025 11:24 AM
— Mortgage Finance
Rising Homeowner Insurance Costs Can’t Be Stopped
The article discusses the latest trends and developments in the mortgage industry, including changes in mortgage rates and housing market conditions. It provides insights into the impact of these factors on mortgage lenders and borrowers.
Aug 29, 2025 10:24 AM
— Home Equity Loans and Lines of Credit (HELOCs)
Coming home: Chase launches new HELOC, returning to equity lending
During the COVID-19 pandemic in 2020, big banks like Chase and Wells Fargo paused their home equity lines of credit (HELOCS) due to the economic uncertainty. However, as home values and equity stakes have increased, Chase has reentered the HELOC market with a new product that allows borrowers to tap up to 80% of their home's value. The minimum credit score required is 720, and funds can be accesse... more
Aug 29, 2025 9:26 AM
— Interest Rates
PCE Inflation Offers No Surprises
The PCE inflation report is highly regarded by policymakers in the US and is easier to forecast compared to CPI. The latest PCE report showed no deviations from expectations, with all monthly and annual numbers matching forecasts. One interesting development is the 'supercore' reading, which was slightly lower in PCE compared to CPI, indicating slightly better inflation numbers that may influence ... more
Aug 29, 2025 8:30 AM
— Mortgage Finance
Homebuyers Need Larger-Than-Expected Rate Drop to Refi
The article discusses mortgage rates and their impact on the housing market. It mentions that mortgage rates have been steadily increasing in recent months, leading to a decline in home sales. Experts predict that the trend of rising mortgage rates will continue in the near future, potentially affecting affordability for homebuyers.
Aug 29, 2025 5:23 AM
— Mortgage Lending
Mortgage Interest Rates Today: Mortgage Rates Slip to Another 10-Month Low Ahead of Crucial Fed Decision
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Aug 29, 2025 3:30 AM
— Interest Rates
Mortgage rates hit 10-month low as Powell hints at Fed cut
Jerome Powell's indication of a short-term rate cut in September drove mortgage rates down slightly. Despite some fluctuation, rates generally remained steady throughout the week. Zillow forecasted that further rate declines are unlikely and that affordability remains a concern for buyers. The impact of Powell's comments on the housing market is expected to be gradual.
Aug 29, 2025 3:29 AM
— Mortgage Finance
Short takes: Mortgage Application Payments Decrease / Homebuyers Wait / Non-QM Performance Improves / Mortgage Delinquency Rates Rise
The article discusses various aspects of mortgage finance publications, including design, content management systems, hosting, and web development.
Aug 29, 2025 3:27 AM
— Interest Rates
Fairly Steady After Glut of Low-Consequence Data
Today's economic calendar looks robust on paper with quarterly GDP results and important inflation index like PCE prices, but the data released today is not capturing recent July inflation data. Jobless Claims data is not significant today. Yields remain within post-NFP range but show a friendlier trend after last week's Jackson Hole speech.
Aug 29, 2025 3:27 AM
— Government Programs
Tools for Lenders and Brokers; Homebuyer Survey Interview; Government Programs; CFPB Rulemaking
The article discusses various legal issues related to mortgage fraud, occupancy fraud, and internal disputes within sports teams. It also includes promotions for mortgage lending technologies, AI adoption in the mortgage industry, and correspondent lending strategies. Additionally, it provides updates on government programs such as Ginnie Mae's MBS portfolio, eligibility criteria for existing manu... more
Aug 29, 2025 3:27 AM
— Bond Markets
Generally Exciting, But Specifically Boring
This week in the bond market has been relatively uneventful with low volatility. However, there has been a consistent downward trend in yields, with 10yr yields hitting their lowest point in a while. Mortgage rates have reflected this improvement.
Aug 29, 2025 3:26 AM
— Mortgage Rates
30yr Fixed Rates Officially Back to 6.50%
There is no singular official primary source for mortgage rate levels, so we rely on surveys and data aggregations. The Freddie Mac survey showed rates at 6.56%, but other sources like MND are tracking lower rates. The current index level is at 6.50%, the lowest since October 3rd, and it represents a best-case-scenario rate for borrowers with excellent credit and a large down payment.
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 400 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 400 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.