Mortgage News
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Nov 4, 2025 2:06 PM
— Mortgage Rates
Mortgage Rates Hold Steady Near Recent Highs
The average top tier 30yr fixed mortgage rate saw a very minimal increase but essentially held steady. Mortgage rates remain at their highest levels in over 3 weeks. Bonds supporting mortgage rates improved slightly, giving rates a potential advantage for the next day. The outcome of an important economic report, the ISM Services index releasing at 10am ET, could impact tomorrow's rates.
Nov 4, 2025 12:05 PM
— Mortgage Lenders
A Brokerage Just Rolled Out a New Mortgage-Rate Deal. Here's How it Works.
Robinhood is offering some of its Gold subscribers the opportunity to apply for a mortgage at least 0.75% below the national average rates through partner Sage Home Loans. This initiative is an attempt to lower barriers to owning a home and deepen the financial relationship with customers. Borrowers would need a FICO score of at least 780 and the home has to be a primary residence and a detached s... more
Nov 4, 2025 10:31 AM
— Interest Rates
Housing turnover at a 30-year low shows the US real estate market is still in a deep freeze
The US housing market has seen a significant decline in turnover rates, with the lowest rate in at least 30 years. This slowdown is due to poor affordability for buyers, concerns about tariffs and the job market, and sellers holding back as they don't want to finance at current interest rates. Forecasters do not expect mortgage rates to fall significantly anytime soon.
Nov 4, 2025 9:59 AM
— Housing Market
Prospects for Improving Housing Affordability
There is growing concern about the affordability of homeownership in the U.S., especially for first-time homebuyers. The rise in house prices during the pandemic has been followed by a steep increase in borrowing costs in 2022. Other costs like construction materials and homeowner insurance premiums have also risen. The housing market is expected to see the 30-year fixed mortgage rate fall slightl... more
Nov 4, 2025 9:07 AM
— Mortgage Finance
Ishbia Sees Hesitancy Among LOs, Not Potential Borrowers
The article discusses a recent study showing that mortgage rates have hit a record low, leading to an increase in refinancing applications. This trend is attributed to the Federal Reserve's decision to lower interest rates in response to the economic impact of the COVID-19 pandemic.
Nov 4, 2025 9:06 AM
— Adjustable-rate Mortgages (ARMs)
A risky mortgage instrument that helped spark the Global Financial Crisis is on the rise again. It’s a gamble on the Fed’s future direction
Adjustable-rate mortgages (ARMs) are becoming popular again as homebuyers look for savings in a high-rate era. The appeal is the lower starting rates compared to fixed-rate loans, but the risk lies in the potential increases when the interest rate resets. However, today's ARMs come with stricter rules and regulations compared to pre-crisis times. Buyers are using ARMs strategically for affordabili... more
Nov 4, 2025 8:05 AM
— Mortgage Lending
Want to buy a house in early 2026? Here's how to prepare.
The article discusses the current state of the housing market and provides tips for individuals planning to buy a home in 2026. It emphasizes the importance of preparing early by organizing finances, participating in home-buyer education courses, and understanding the hidden costs associated with owning a home. The article also mentions various options available for low-down-payment mortgages and ... more
Nov 4, 2025 7:06 AM
— Online Mortgage Verification Processes
Affordability Woes Push US Median First-Time Homebuyer Age to 40
The article discusses the importance of confirming that a user is not a robot by clicking a box before accessing certain online content.
Nov 4, 2025 7:05 AM
— Bond Markets
Heavy Selling in Stocks Providing Small Boost For Bonds
Stock prices and bond yields fell together in the overnight session, which is a rare occurrence in the current market. Since late May, stocks and bonds have been rallying simultaneously, unlike the traditional trade where one goes up while the other goes down.
Nov 4, 2025 3:06 AM
— Interest Rates
Non-QM, 2nds, Marketing Products; Deep Dive on Data-Less Capital Markets
The article discusses various topics related to the mortgage industry, including housing, finance, mortgage fraud investigations, acquisitions, non-QM lending, and changes in mortgage lender branding. It also touches on recent changes in interest rates and the Federal Reserve's decisions regarding rate cuts.
Nov 4, 2025 3:05 AM
— Mortgage Rates
Mortgage and refinance interest rates today, November 4, 2025: Rising bond yields nudge home loan rates slightly higher
Mortgage rates increased today due to rising bond market and 10-year Treasury yields. The article also provides current mortgage rates, refinance rates, and tips for choosing between different mortgage terms and types. Additionally, it discusses the trend regarding mortgage rates over the past years and predictions for future rate changes.
Nov 3, 2025 2:06 PM
— Mortgage Lending
Fed, not GSEs, should be mortgage securities backstop: BofA
Analysts at Bank of America Securities believe that Fannie Mae and Freddie Mac should return to being the main buyers of agency mortgage-backed securities, as refinancing and home equity lending have increased amidst rising borrower stress due to delinquencies. Mortgage groups want GSEs to buy MBS to lower rates, but some experts believe it is a risky and unnecessary plan.
Nov 3, 2025 2:06 PM
— Bond Markets
Light Volatility After Initial Losses
The first day of the new month saw bond yields rise due to a corporate bond offering from Alphabet. Lackluster ISM Manufacturing data briefly pushed yields back down before they drifted sideways for the rest of the day, ending slightly worse than the previous Thursday.
Nov 3, 2025 1:07 PM
— Mortgage Rates
Refis revive mortgage market, but trouble's brewing
Mortgage originations are rising in the second quarter along with home equity lending, while delinquencies are also increasing. The 30-year rate only dropped slightly, leading to speculation that the government shutdown and lack of data are keeping mortgage rates stable.
Nov 3, 2025 1:06 PM
— Mortgage Rates
Highest Rates in Just Over 3 Weeks
The average 30yr fixed mortgage rate was at the lowest levels in more than a year before the recent Fed announcement. Despite some volatile bounces, rates are still closer to long-term lows than to the highs seen in the summer.
Nov 3, 2025 12:27 PM
— Mortgage Rates
How much does a $500,000 mortgage loan cost monthly after the Fed's October rate cut?
The Federal Reserve delivered a quarter-point rate cut, lowering the benchmark rate to a range of 3.75% to 4%. While home equity borrowing rates have fallen, mortgage rates are still higher than previous years. Monthly payments for a $500,000 mortgage loan have decreased with the current average rate, providing potential savings for borrowers. Refinancing at current rates could also lead to substa... more
Nov 3, 2025 10:15 AM
— Mortgage News Sources
Mortgage rates have reached an inflection point, says Frost Bank CEO Phil Green
The article is from CNBC LLC and mentions the ability to submit confidential news tips. It also encourages readers to sign up for free newsletters to receive more CNBC content in their inbox.
Nov 3, 2025 9:09 AM
— Mortgage Rates
After the Fed rate cut: Mortgage lenders with the lowest rates this week, Nov. 3, 2025
The article discusses how mortgage lenders such as PenFed Credit Union, Chase Home Lending, and U.S. Bank are offering rates based on APR, with potential adjustments due to recent Federal Reserve rate cuts. It emphasizes the importance of shopping around for the best mortgage rates by looking at both the interest rate and APR, including considering discount points and lender fees.
Nov 3, 2025 9:06 AM
— Mortgage Finance
Robinhood Enters Mortgage Business
The article is about mortgage lending trends in 2025, discussing how certain factors like interest rates and housing market conditions are impacting the industry.
Nov 3, 2025 8:18 AM
— Bond Markets
Weaker Start Despite Modest Boost From ISM Data
Bond prices were slightly lower in the overnight session after Alphabet filed for a $15 billion corporate bond offering, causing rates to rise. Despite a small rally in response to lackluster ISM manufacturing data, bond yields remained higher at the open.
Nov 3, 2025 7:29 AM
— Mortgage Rates
When will mortgage rates go down? Rates have ticked down — but will they drop more significantly?
Mortgage rates have been gradually decreasing, with the 30-year fixed-rate mortgage rate at 6.17% and the 15-year fixed-rate mortgage rate at 5.41%. While the Federal Reserve has cut the fed funds rate, mortgage rates follow the 10-year Treasury yield more closely. While rates are decreasing, it is advised against waiting for a further dip to purchase a house due to the current housing market dyna... more
Nov 3, 2025 6:24 AM
— Mortgage Rates
What's the mortgage interest rate forecast for November 2025?
Mortgage interest rates have started to ease, reaching three-year lows, providing an opportunity for homebuyers and homeowners. Experts forecast 30-year fixed rates to settle between 6.1% and 6.3% by the end of November. Factors shaping mortgage costs include the Fed's rate cuts, Treasury bond yields, inflation, and economic data. It is advised to lock in a rate if it fits your budget and consider... more
Nov 3, 2025 4:34 AM
— Housing Market
MBA: Homebuyer Affordability Improved in September
In September, homebuyer affordability improved with the national median payment decreasing to $2,067 from $2,100. The Mortgage Bankers Association's index score decreased to 155.0, indicating better affordability conditions. Affordability has been improving due to lower mortgage rates and a growing housing supply. The index is expected to strengthen in 2025 and 2026 with stable mortgage rates and ... more
Nov 3, 2025 4:34 AM
— Mortgage Rates
Mortgage Applications Fell Last Week on Slightly Higher Rates
Mortgage application volume fell by 1.9% as the average rate for a 30-year fixed-rate mortgage slightly increased to 6.31%. Refinance applications decreased by 3% compared to the previous week but were up 151% compared to a year ago. Purchase applications also decreased by 1% from the previous week but were up 26% from the same week last year.
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.