Mortgage News
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Oct 11, 2025 10:31 AM
— Interest Rates
What's a good mortgage refinance interest rate this October?
After an interest rate cut issued by the Federal Reserve in September, many current homeowners who purchased a home after 2022 have experienced relief from their elevated mortgage interest rates. Mortgage refinancing demand has surged as a result, allowing homeowners with high rates to potentially secure lower rates. The definition of a good mortgage refinance rate varies depending on the homeowne... more
Oct 11, 2025 10:31 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 11, 2025: Rates tick down
Today's mortgage rates have slightly decreased, with the average 30-year fixed rate at 6.28% and the 15-year fixed rate at 5.56%. It's mentioned that any possible rate cuts by the Federal Reserve have already been accounted for in the current mortgage rates. The article discusses the advantages of different mortgage terms such as the 30-year fixed-rate mortgage offering lower and predictable payme... more
Oct 11, 2025 10:24 AM
— Mortgage Lenders
Unemployed or furloughed due to the government shutdown? Believe it or not, your bank can help
The article discusses the financial assistance programs that some banks and credit unions offer to customers who are experiencing financial hardship due to unemployment or the government shutdown. It advises individuals to reach out to their financial institutions for support, even if the programs are not publicly promoted.
Oct 11, 2025 4:23 AM
— Mortgage Rates
Time to buy? 30-year mortgage rate slips back to lowest level in about a year
The average rate on a 30-year U.S. mortgage decreased slightly this week, returning to its lowest level in about a year. Factors influencing mortgage rates include the Federal Reserve's interest rate policy decisions, bond market investors' expectations, and the trajectory of the 10-year Treasury yield. Mortgage rates are expected to remain near the mid-6% range this year. Refinancing is becoming ... more
Oct 11, 2025 4:06 AM
— Housing Market
Forecast calls for originations to surpass $2 trillion this year
Total mortgage origination volume is projected to surpass $2 trillion for the first time since 2022. Refinancing indicators showed muted gains as home sales challenges persisted. Housing starts fell to the lowest level since May. Fannie Mae projects mortgage rates to hit 6.3% and 5.9% in 2025 and 2026. John Roscoe and Brandon Hamara have been appointed co-presidents at a government-sponsored enter... more
Oct 10, 2025 3:23 PM
— Bond Markets
Markets Rocked by New Tariff Drama
Bonds had a decent day due to mid-day stock market drama caused by an unexpected tariff threat from Trump towards China. Despite the uncertainty of how this will play out on Tuesday, bonds managed to rally and reach their best levels of the day after the tariffs were officially announced at the close of trading.
Oct 10, 2025 3:23 PM
— Mortgage Rates
Report: Mass. sees second-biggest dip in monthly mortgage payments in the U.S.
Mortgage rates in Massachusetts have dropped significantly, leading to substantial savings for homebuyers. The average APR for a 30-year fixed-rate mortgage decreased by three-quarters of a percentage point, resulting in a $210.42 drop in monthly payments and around $75,752.61 in savings over the life of the loan. Nationally, the average mortgage rate also dropped, potentially saving borrowers ove... more
Oct 10, 2025 3:23 PM
— Mortgage Processing
Government Shutdown Disrupts Housing Data, but Relief Is in Sight as Mortgage Rates Hold Steady
The article states that the request could not be processed and provides a reference ID for further assistance.
Oct 10, 2025 1:31 PM
— Mortgage Lending
Could home equity be the solution to America’s record-high debt?
The article discusses the U.S. homeowners who have amassed an extraordinary amount of home equity, while U.S. consumers have accumulated a record amount of debt. It explores how homeowners might tap into their home equity to pay down debt, reviews home equity loans and home equity lines of credit (HELOCs), and introduces a newer option called home equity investments (HEIs) that allow homeowners to... more
Oct 10, 2025 12:23 PM
— Mortgage Rates
Mortgage Rates Lowest Since Fed Day
Mortgage rates experienced a significant decline due to unexpected news on additional tariffs on China announced by Trump, leading to a rally in bonds and a drop in interest rates. Mortgage lenders are now able to offer lower rates as a result of the bond rally, resulting in the average 30yr fixed rate being the lowest since the September 17th Fed meeting.
Oct 10, 2025 11:23 AM
— Mortgage Rates
Refi Demand Ebbs Gradually As Rates Remain Rangebound
Mortgage application activity decreased overall, with refinance applications experiencing an 8% drop from the previous week. Refinance activity remains higher than the same time last year but has decreased significantly from the surge in mid-September when rates were at lows. Purchase applications also declined by 1% but are still showing growth compared to the previous year.
Oct 10, 2025 10:32 AM
— Mortgage Lending
Audit, Interest Rate Risk Products; Gov't Program News; Home Builder Interview; Shutdown and Data Releases
The US Treasury posted a $345 billion budget deficit in August, the 2nd-worst August on record, with government spending surging to $689 billion for the month. The deficit for FY2025 was up to $1.97 trillion, on track to be the 3rd-largest annual deficit in history. In other news, Letitia James has been indicted for mortgage fraud, sparking questions around occupancy fraud. Additionally, mortgage ... more
Oct 10, 2025 9:24 AM
— Mortgage Finance
Short Takes: Senate Passes Housing Package / Pacific Securitizes First HELOC
The article discusses the latest trends in the mortgage lending industry, focusing on how lenders are adapting to a changing market environment. It highlights the challenges faced by mortgage lenders and the strategies they are employing to remain competitive.
Oct 10, 2025 6:27 AM
— Mortgage Rates
30-year mortgage rates increase - When should you lock? | Today's mortgage and refinance rates, October 7, 2025
Average mortgage rates were mostly higher compared to last week, with 30-year fixed, 5/1 ARM, and jumbo loans increasing while 15-year fixed rates decreased. Despite the Federal Reserve lowering the federal funds rate, 30-year mortgage rates rose. Treasury yields and mortgage rates are expected to trend downward due to high demand for Treasuries during government shutdowns. Current rates for 30-ye... more
Oct 10, 2025 6:23 AM
— Bond Markets
Overnight Gains on Fed Comments And Japanese Politics (Really)
Japanese political developments, specifically Takaichi winning control of Japan's LDP party and fears of Japan's central bank selling Treasuries led to Treasury yields rising. However, another party exiting the coalition with the LDP lowered these fears and caused bonds to rally. Comments from Fed's Waller about weak employment and lack of concern about inflation further added to bond gains.
Oct 10, 2025 5:23 AM
— Housing Market
Will a drop in mortgage rates make any difference in San Diego’s housing market?
The article likely discusses information related to mortgages and the housing market but it is impossible to summarize as the content is not provided.
Oct 10, 2025 3:25 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 10, 2025: Rates are well below the 52-week average
The article discusses how mortgage rates have decreased recently, making it a good time to buy a house. It provides details on current mortgage rates and explains the difference between fixed-rate and adjustable-rate mortgages. It also mentions that mortgage rates are expected to stay relatively stable for the rest of the year.
Oct 9, 2025 2:26 PM
— Bond Markets
Uneventful Day; MBS Underperform
MBS underperformed compared to Treasury benchmarks after a round of weekly Treasury auctions, with MBS losing about a quarter point. Bonds are slightly closer to the weaker end of the recent range but still within it. The weaker bond auction led to a slightly weaker response in MBS and 10yr yields.
Oct 9, 2025 2:24 PM
— Mortgage Rates
Shutdown hampers rates, rural, HECM and niche condo loans
The ongoing government shutdown has created rate uncertainty, caused disruption in specialized mortgages, and slowed down mainstream mortgage business. Lenders are adapting their tactics to keep loans moving despite the challenges presented by the shutdown.
Oct 9, 2025 2:23 PM
— Mortgage Lenders
Foreclosures Continue To Rise Across the U.S.—These 10 Metros Are Hardest Hit
The article discusses an issue with processing a request on a real estate website and provides a reference ID for further assistance.
Oct 9, 2025 12:27 PM
— Mortgage Rates
Mortgage Rates Ease to Yearly Low
The average rate on 30-year mortgages decreased to 6.3% from 6.34% last week, while rates on 15-year mortgages dropped to 5.53% from 5.55% last week.
Oct 9, 2025 12:25 PM
— Mortgage Rates
Mortgage Rates Move Slightly Higher
Mortgage rates have remained relatively stable over the past 3 weeks, with little change for the average lender. Today saw a slight increase in rates due to weaker bond performance, but rates still remain within a narrow range.
Oct 9, 2025 11:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 9, 2025: Rates finally inch down
The national average mortgage rates have dropped slightly this week, with the 30-year fixed rate at 6.30% and the 15-year fixed rate at 5.53%. Refinance rates can be higher than purchase rates. Factors affecting mortgage rates are both controllable, like credit scores and down payments, and uncontrollable, like the economy. The article also discusses different mortgage types like fixed and adjusta... more
Oct 9, 2025 11:06 AM
— Mortgage Rates
Mortgage rates fall for first time in 3 weeks
Jeff Sica warns that the Fed's small rate cut won’t help the housing affordability crisis and recommends gold as a hedge against inflation. Mortgage rates fell for the first time in three weeks, with the average rate on the benchmark 30-year fixed mortgage decreasing to 6.3%. Homebuyers are gradually moving forward with buying homes due to lower rates, but many are still hesitant due to economic u... 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.