Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Nov 6, 2025 10:07 AM
— Mortgage Rates
Average US long-term mortgage rate ticks up to 6.22% after four straight weekly declines
The average rate on a 30-year U.S. mortgage ticked up to 6.22% from 6.17% last week, after falling to its lowest level in over a year last week. Mortgage rates are influenced by various factors including the Federal Reserve's interest rate policy decisions. Lower mortgage rates benefit homebuyers and homeowners looking to refinance. Sales of previously owned homes have been sluggish, but accelerat... more
Nov 6, 2025 10:05 AM
— Interest Rates
What it would take for mortgage rates to dip below 6%—and what to expect in 2026
Despite two interest rate cuts by the Federal Reserve, 30-year fixed mortgage rates remain above 6% due to elevated long-term Treasury yields. Mortgage rates are closely tied to the yield on 10-year U.S. Treasurys, which has kept the gap between Treasury yields and mortgage rates wider than normal. Forecasts do not expect mortgage rates to decrease much further in the near future, as economic unce... more
Nov 6, 2025 9:14 AM
— Mortgage Finance
Purchase Agreement Cancellations a Growing Concern Amid Pull Through Rate Challenges
The article discusses various topics related to mortgages and the housing market, including mortgage rates, interest rates, and mortgage lenders.
Nov 6, 2025 9:08 AM
— Mortgage Lending
US Mortgage Rates Rise to 6.22% After Four Weeks of Declines
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Nov 6, 2025 9:07 AM
— Mortgage Lenders
AI Processing, Borrower Experience and Targeting Tools; Labor Market is Being Pummeled
The article discusses job cuts in various industries, including layoffs announced by companies like Amazon, American Airlines, and Frito Lay. It also touches on the importance of monitoring default rates for Federal Housing Administration (FHA) loans. Additionally, it highlights technology solutions and advancements in the mortgage industry, such as AI-driven tools for lenders, dynamic AI platform... more
Nov 6, 2025 9:07 AM
— Bond Markets
New Data Sources Bring New Inspiration
The shutdown has led to more reliance on alternative data sources like Revelio Labs, which synthesizes its own version of nonfarm payrolls. Revelio's data showed a decline in job creation, which likely contributed to a morning rally in bonds even though Challenger layoffs were also reported.
Nov 6, 2025 8:08 AM
— Mortgage Lending
Mortgage Interest Rates Today: Mortgage Rates Rise to 6.22% After Fed Chair Jerome Powell Signals Tougher Policy
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Nov 6, 2025 7:06 AM
— Mortgage Rates
Mortgage Rates Tick Up After Four Week Decline
The average rate on 30-year mortgages increased to 6.22% from 6.17% last week, while rates on 15-year mortgages rose to 5.5% from 5.41%. Mortgage rates are influenced by various factors, including the Federal Reserve's interest rate decisions, bond market expectations, and the 10-year Treasury yield.
Nov 6, 2025 6:05 AM
— Online Security
Homebuilders Bet on 1% Mortgage Rates to Wake Up US Buyers
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Nov 6, 2025 4:34 AM
— Interest Rates
HELOCs drop to 2023 lows, home equity loans hold steady
Home equity line of credit (HELOC) rates have decreased to levels not seen since March 2023, with a $30,000 HELOC falling to 7.82%. The stability in the housing market has increased interest in HELOCs as people are looking for liquidity for buying properties or home improvements. Rates are impacted by the Federal Reserve's actions, lender competition, promotional offers, and underwriting standards... more
Nov 6, 2025 4:33 AM
— Mortgage Rates
30-year mortgage rates increase - When should you lock? | Today's mortgage and refinance rates, November 5, 2025
Mortgage interest rates have increased recently, with rates for 30-year fixed, 5/1 ARMs, and jumbo loans going up. The Federal Reserve Board lowered their benchmark rate by a quarter of a percentage point, leading to lower mortgage rates before the announcement. More homeowners are refinancing due to the lower rates, with borrowers with large loan balances taking advantage of the rate movements. T... more
Nov 6, 2025 12:05 AM
— Mortgage Lending
Controversial Mortgage Refinancing Advice Amid UK Interest Rate Changes
Homeowners are facing the decision of whether to refinance now or wait for better rates as fixed deals expire across the UK. Remortgaging involves choosing what kind of uncertainty to live with and making small choices that can add up to significant savings over the life of the loan. Factors to consider include fees versus rate, loan-to-value ratio, fixed-rate runway, and comparing product transfe... more
Nov 5, 2025 4:05 PM
— Mortgage Rates
Tesla shareholder vote, Fed talk, mortgage rates: What to Watch
On Thursday, Nov. 6, investors will be watching Tesla's shareholder meeting regarding a $1 trillion pay package for CEO Elon Musk. Earnings results will be posted by companies like AstraZeneca, ConocoPhilips, Warner Bros. Discovery, Airbnb, Take-Two, and Affirm. Federal Reserve officials, including Cleveland Fed President Beth Hammack and Fed Governor Christopher Waller, will provide commentary. W... more
Nov 5, 2025 12:55 PM
— Interest Rates
Mortgage Rates Near 2-Month Highs After Today's Econ Data
The bond market is currently operating without key economic reports due to the government shutdown. However, today had two important non-government reports, both of which were stronger than expected. This led to bond weakness and ultimately caused mortgage rates to rise back to levels seen in late September, nearly reaching the highest rates in over 2 months.
Nov 5, 2025 11:05 AM
— Mortgage Rates
What are the monthly payments on a $700,000 mortgage after the October Fed rate cut?
The Federal Reserve's recent back-to-back rate cuts have led to a decrease in mortgage rates, with the average 30-year fixed mortgage rate now at 6.17%. This drop in rates is beneficial for borrowers, especially those looking to secure larger loan amounts like $700,000. The lower rates result in significant monthly cost savings compared to previous years. Homebuyers may want to consider refinancin... more
Nov 5, 2025 9:02 AM
— Mortgage Lending
Broker, Non-QM, Compliance, Workflow, AI, Tax Tools; ADP Jobs Data and Rates
The ongoing federal government shutdown has impacted FHA and VA loan processing, with reduced staff causing delays. USDA loans are completely halted. The shutdown also affects property transactions, economic data publication, and bond market activity. Companies are offering AI solutions for lenders and brokers to improve efficiency, technology is reshaping the mortgage industry.
Nov 5, 2025 8:58 AM
— Mortgage Finance
Short Takes: Invictus Boosts Expanded-Credit MBS Issuance / Home Price Depreciation in Some Areas / FoA Takes Loss in 3Q / HUD Selling HECMs for Vacant Properties
The article discusses the current trends in the mortgage market and how they are impacting mortgage lenders. It highlights the challenges that lenders are facing due to changing interest rates and housing market conditions.
Nov 5, 2025 7:16 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 5, 2025: Rates are inching down
The average mortgage rate went down slightly today, with the 30-year fixed rate at 6.08% and the 15-year fixed rate at 5.62%. Factors such as term length and interest rates affect monthly payments, with pros and cons to both 30-year and 15-year fixed rates. Adjustable-rate mortgages offer lower introductory rates but come with unpredictability in the long run. Mortgage rates fluctuate but have gen... more
Nov 5, 2025 7:02 AM
— Bond Markets
2 Key Reports, 2 Reasons to Sell Bonds
Today's economic data, including the ISM Services and ADP reports, was not bond-friendly due to the government shutdown. Despite the ISM employment component beating forecast, it remains under 50. However, the damage to the market may be limited due to certain factors.
Nov 5, 2025 6:11 AM
— Mortgage Lenders
Correspondent and Wholesale News; CUs and Realtors, Borrower Engagement Tools; Regulatory Readiness
The article discusses various topics related to the mortgage industry, such as the impact of the government shutdown on lending, the use of AI and automation by big players in the mortgage landscape, strategies for lenders to stay competitive, the importance of mastering SOC reports, and updates on mortgage rates. It also includes announcements from companies like Western Alliance Bank, Servbank, ... more
Nov 5, 2025 5:52 AM
— Housing Market
Fannie Mae, Freddie Mac housing goals need revisions: MBA
The Mortgage Bankers Association supports the reduction of low-income single-family finance goals for Fannie Mae and Freddie Mac. The number of qualified refinance candidates has increased as mortgage rates ease. There is consideration of introducing a 50-year fixed-rate mortgage. The debate on who should be the MBS buyer of last resort is ongoing.
Nov 5, 2025 4:31 AM
— Housing Market
How Mamdani's win is roiling New York's real estate market
Zohran Mamdani is causing disruptions in New York's real estate market. Two major companies, Compass Inc. and Zillow Inc., are involved in a legal battle that could impact how homes are marketed and sold. Despite international hesitancy, interest in investment properties in the U.S. remains strong. Mortgage rates have remained relatively stable, with predictions that they will stay within a narrow... more
Nov 5, 2025 4:05 AM
— Mortgage Rates
In a volatile week for interest rates, mortgage demand pulled back
Mortgage interest rates experienced a big swing last week, leading to a 1.9% decrease in total mortgage application volume. Refinance applications fell 3% for the week, but were still significantly higher compared to the same time last year. Applications for mortgage to purchase a home also fell 1% for the week but were 26% higher year-over-year.
Nov 5, 2025 3:19 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 5, 2025: A fractional move lower
Mortgage rates have seen fractional decreases, with the average 30-year fixed rate dropping to 6.08% and the 15-year fixed loan falling to 5.62%. The rates provided are national averages from Zillow data, with refinancing rates often higher than rates for purchasing a house. The article discusses the advantages and disadvantages of different mortgage types, including 30-year fixed, 15-year fixed, ... 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.