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 745 - 768 of 2260 results
Aug 28, 2025 12:14 PM
— Mortgage Rates
Mortgage Rates Hit Another 2025 Low
Average mortgage rates continue to see very small day-to-day changes, with today hitting a technical 'record low' for 2025. The current average rate is 6.51%, the lowest since October 3rd, 2024. The recent rate improvement has been following the August 1st jobs report, with rates remaining in a narrow range since August 4th. Today's improvement was simply a random drift in rates favoring borrowers... more
Aug 28, 2025 3:31 AM
— Mortgage Rates
Higher mortgage rates slow refi application volume
Mortgage application volume declined for the second week in a row due to a small rise in rates affecting refinance activity. Real estate investor sentiment has improved, but concerns over tariffs and interest rates linger. The Mortgage Bankers Association downgraded its yearly origination forecast, and there is hope for lower mortgage rates following talk of a Fed rate cut.
Aug 28, 2025 3:30 AM
— Mortgage Finance
Short Takes: Home Equity Used to Pay Student Loans
The article discusses the current trends in the housing market, noting a decrease in mortgage rates which has led to an increase in homebuying activity. Industry experts predict continued growth in the market as long as interest rates remain low.
Aug 28, 2025 3:27 AM
— Housing Market
Home Prices Still Growing, But at The Slowest Pace Since 2012
Both the FHFA and Case-Shiller indices show that home prices are rising year-over-year, but at a slower rate. FHFA data indicates positive year-over-year gains in all nine census divisions, while Case-Shiller shows a slight decline in the 20-City Composite index. Both indices suggest a trend of decelerating price gains.
Aug 28, 2025 3:27 AM
— Housing Market
New Home Market Remains Stuck in Neutral
The July New Home Sales report showed a slight decrease in sales compared to June, with the seasonally-adjusted annual sales rate being 652,000. Sales are down 8.2% compared to July 2024. The market remains stable with little change in sales over the past 2+ years, indicating steady demand but not acceleration. Inventory levels are high, leading to elevated housing costs that limit the benefits to... more
Aug 28, 2025 3:27 AM
— Mortgage Rates
Mixed Mortgage Demand, But Lower Rates Should Help Next Week's Refi Numbers
Mortgage application activity remained relatively stable, with a slight decrease in overall volume. Refinance applications decreased due to a slight increase in mortgage rates, while purchase applications increased. The average loan size also saw an increase. Refinance applications are still higher compared to the same time last year. Mortgage rates hit new lows for the year, which may stimulate r... more
Aug 28, 2025 3:24 AM
— Housing Market
Waiting for Mortgage Rates to Fall Before You Buy? Don’t Bother.
Even if mortgage rates dropped to zero, homes would still be unaffordable for median earners in some major metro areas.
Aug 28, 2025 3:24 AM
— Housing Market
Rates or prices? Which need to drop to make buying a house more affordable?
The article discusses the current state of the housing market with a focus on affordability for potential homebuyers. It highlights the impact of mortgage rates and home prices on monthly payments, as well as the predictions for future rate drops. It also touches on factors influencing housing affordability, such as supply and demand, income levels, and budget considerations.
Aug 28, 2025 3:24 AM
— Student Loan Forgiveness
Changing repayment options and infinite backlogs: What recent student loan litigation means for you
Recent court decisions have blocked the SAVE repayment plan for federal student loans, impacting nearly 8 million borrowers. Borrowers were placed in interest-free forbearance during litigation, but interest began accruing again in August 2025. Processing delays in income-driven repayment plan requests have created a backlog, delaying loan forgiveness for many borrowers. The U.S. Department of Edu... more
Aug 27, 2025 12:13 PM
— Mortgage Rates
Even A Small Drop in Mortgage Rates Could Mean Relief for Homeowners, Report Says
A recent report suggests that even a modest drop in mortgage rates could provide relief for homeowners. The report predicts that the average 30-year fixed mortgage rate could fall to 6.3% by January 2026, potentially allowing millions of homeowners to refinance their homes and reduce their monthly mortgage payments. Many younger homeowners are especially counting on refinancing in the future.
Aug 27, 2025 3:30 AM
— Mortgage Rates
Mortgage-Treasury spread at narrowest point in three years
Mortgage spreads reached a three-year low on August 22 but were still wider than the historic average. The 30-year fixed rate mortgage fluctuated throughout July, influenced by Treasury yields and job reports. Real estate investor sentiment improved but concerns about tariffs and interest rates remained.
Aug 27, 2025 3:28 AM
— Tax Deductions for Auto Loans
Who Qualifies For The New Auto Loan Interest Deduction?
The article discusses a new federal tax law that allows taxpayers to deduct car loan interest, but the savings may not be as significant as some drivers hope. The deduction is part of the Trump administration's effort to promote American-made goods. To qualify for the deduction, the vehicle must be purchased between 2025 and 2028, be under 14,000 pounds, and have final assembly in the United State... more
Aug 27, 2025 3:26 AM
— Mortgage Rates
Mortgage Rates Back in Line With Long-Term Lows
Mortgage rates have been relatively stable recently, with the most significant recent changes occurring after the August 1st jobs report and Fed Chair Powell's speech at Jackson Hole. This week's movements have been minimal and could be classified as incidental random drift. The next major event that could impact rates is the upcoming jobs report.
Aug 27, 2025 3:24 AM
— Interest Rates
Are You Losing Money In Your High-Yield Savings Account?
Many savers are finding that the yields on their high-yield savings accounts have decreased significantly over the past few years, impacting their earnings. This is due to banks adjusting their rates based on the federal funds rate. Savers are advised to regularly check their rates and consider alternatives like CDs, T-bills, or brokerage-linked accounts to maximize returns. It is recommended to m... more
Aug 26, 2025 1:24 PM
— Mortgage Finance
Evidence of Discrimination in HECM Lending
The article discusses various aspects of the mortgage market, including trends in interest rates, housing market conditions, and the role of mortgage lenders. It highlights the importance of staying informed about market changes to make informed decisions when obtaining a mortgage.
Aug 26, 2025 10:27 AM
— Mortgage Refinancing
Why the next rate drop could unlock a $300B+ refi wave
The latest mortgage interest rate drop did not impact refinancing incentives in the conventional securitized market, but future declines could have an effect. Homeowners are increasingly turning to cash-out refinances for quick cash access. Private mortgage insurance still has a larger share of business than the Federal Housing Administration, but the gap is expected to narrow by 2027. Borrowers a... more
Aug 26, 2025 3:31 AM
— Mortgage Rates
Gen Z, millennials struggle with housing costs
A Redfin survey found that over 40% of millennial and Gen Z homeowners struggle to afford their housing payments, although this number is less compared to the amount who struggle with rent payments. Real estate investor sentiment has improved, but concerns remain over tariffs and interest rates. Additionally, Gen Z and Millennial homeowners face unexpected expenses post-closing, highlighting the n... more
Aug 26, 2025 3:28 AM
— Interest Rates
High-yield savings rates today: August 25, 2025 | Savers enjoy yields surpassing 4%, but likely not for long
High-yield savings account interest rates have been strong due to the Federal Reserve's tighter monetary policy. However, experts anticipate a rate cut in the near future, which could lower savings yields. The Fed's decisions directly impact how much individuals can earn on their savings accounts, and economists predict at least one rate cut by the end of 2025. Savers should take advantage of the ... more
Aug 25, 2025 6:25 PM
— Bond Markets
Fairly Quiet Monday Considering Last Week's Noise
After a bond rally following Friday's Jackson Hole speech, the market has mostly remained within a set range waiting for the next jobs report to potentially challenge it. There have been days of minimal movement and inside trading patterns, with some minor fluctuations in MBS and 10yr yields.
Aug 25, 2025 6:23 PM
— Interest Rates
Trump fires Fed governor from Michigan, opening new front in fight for control over central bank
President Trump fired Federal Reserve Governor Lisa Cook due to allegations of mortgage fraud made by a Trump appointee. Cook was accused of claiming two primary residences to receive better mortgage terms. The firing may lead to a legal battle and can disrupt financial markets, potentially causing interest rates to rise. Trump's actions are seen as an attempt to appoint a loyalist who would suppo... more
Aug 25, 2025 12:24 PM
— Home Equity Line of Credit (HELOC)
Home Equity Line of Credit (HELOC) & Cash-Out Refinance | Chase
The article discusses using the equity in your home to secure funds for large expenses like home improvements or major purchases. Chase offers options like a home equity line of credit (HELOC) and cash-out refinance to access this equity. It explains the differences between the two options and provides information on rates, fees, and qualifications.
Aug 25, 2025 12:24 PM
— Housing Market
M&A Reducing the Number of Warehouse Clients
The warehouse lending business seems to be holding its own these days thanks to a decent second quarter for originations and lower mortgage...
.
Inside Mortgage Finance
·
1 week ago
The article discusses the current state of the mortgage market in 2025.
Aug 25, 2025 12:24 PM
— Interest Rates
Mortgage Rates Edge Slightly Higher From Long-Term Lows
After Fed Chair Powell's speech at Jackson Hole last week, rates fell to their lowest levels since October 3rd, 2024, hinting at a potential September rate cut. However, rates mildly corrected today, with conventional 30yr fixed rates moving back up slightly while still near 10-month lows. Mortgage rates are more influenced by Fed rate expectations in the marketplace rather than actual Fed Funds R... more
Aug 25, 2025 9:25 AM
— Mortgage Finance
A Coming Fed Rate Cut? The MSR Effect?
The article discusses various aspects of mortgage finance publications and their impact on the industry. It highlights the importance of design, content management systems, hosting, and web development in creating effective mortgage publications.
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.