Mortgage News
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Oct 8, 2025 6:29 AM
— Treasury Rates
Light Calendar; Afternoon in Focus
Despite a few Fed speakers scheduled, their comments are not expected to have a significant impact. The average Fed speech tends to focus on concerns about inflation and the labor market. The main events to watch for today are the 1pm 10yr Treasury auction and the 2pm Fed Minutes. Bonds have had a positive beginning to the day with low volatility in the first hour and a half.
Oct 8, 2025 4:23 AM
— Interest Rates
Borrowers head back to riskier mortgages, looking for any potential savings
Mortgage demand weakened overall last week, with applications dropping 4.7%. Refinance applications fell 8%, while purchase applications decreased by 1%. Adjustable-rate mortgages are becoming more popular due to lower interest rates, with the ARM share increasing to 9.5% last week.
Oct 8, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 8, 2025: The 30-year fixed rate keeps inching down
Mortgage rates have decreased for some terms and increased for others. The 30-year fixed rate dropped by one basis point to 6.26%. Refinance rates are generally higher than purchase rates. Different mortgage types have different advantages and disadvantages, such as lower monthly payments but higher overall interest for longer-term loans, or higher monthly payments but less overall interest for sh... more
Oct 7, 2025 2:26 PM
— Mortgage Rates
U.S. Considers IPO Path for Fannie Mae and Freddie Mac
The U.S. government is considering initial public offerings (IPOs) for Fannie Mae and Freddie Mac, top U.S. banks have been approached to advise on the potential IPOs. President Trump has urged Fannie Mae and Freddie Mac to help jumpstart new home construction. Privatizing the GSEs could reshape the housing finance system and potentially impact mortgage rates for homebuyers.
Oct 7, 2025 2:25 PM
— Bond Markets
Bonds Turn Green After Econ Data and Treasury Auction
Bonds started the day weaker but strengthened after a slight deterioration in attitudes about the labor market and a well-received 3yr Treasury auction. Gains continued throughout the day but were temporary after the auction.
Oct 7, 2025 1:24 PM
— Mortgage Rates
Mortgage Rates Hold Steady in Tight Range
Mortgage rates have remained stable for almost three weeks, with the last significant movement occurring after the Fed rate cut in mid-September. Despite the Fed's actions, rates actually increased. Economic data, particularly the jobs report, has a greater impact on rates than Fed policy changes. The recent government shutdown has limited the release of important economic data, leading to the cur... more
Oct 7, 2025 12:24 PM
— Mortgage Rates
Will Mortgage Rates Fall—or Rise—Because of the Government Shutdown?
The article discusses how the U.S. government shutdown can impact the cost of mortgages by affecting demand for mortgages due to federal employees not getting paid and delayed issuance of government-funded mortgages. Shutdowns can lead to lower mortgage rates but also result in credit worries and uncertainty, making it hard to predict future rates. Economists expect mortgage rates to remain stable... more
Oct 7, 2025 10:23 AM
— Mortgage Rates
Lower mortgage rates are here, thanks to Wall Street bond investors
Borrowers are experiencing relief in recent weeks as mortgage rates have dropped from nearly 7% at the start of 2025 to around 6.34%. This decrease is attributed to investors' positive outlook on the housing market, despite ongoing economic uncertainties. Spreads between mortgage rates and Treasury note rates remain higher than the long-term average, signaling lingering investor concerns about the... more
Oct 7, 2025 10:23 AM
— Housing Market
Peter Schiff Says People Are Going to 'Mail In Their Keys' If Home Prices Finally Adjust To Match High Mortgage Rates, Triggering A Housing 'Emergency'
Peter Schiff, a well-known voice in the financial industry, is warning that rising mortgage rates and inflated home prices could lead to a housing crisis where many homeowners may walk away from their homes. He explains that the high housing prices were fueled by low mortgage rates, but now that rates have increased, the prices have not adjusted accordingly. Schiff predicts that this mismatch will... more
Oct 7, 2025 8:25 AM
— Mortgage Finance
Consumer Expectations for Lower Interest Rates Diminish
The article discusses the current trends in the mortgage market and mentions various factors affecting mortgage rates. It also highlights the importance of staying updated on market conditions to make informed decisions when obtaining a mortgage.
Oct 7, 2025 8:23 AM
— Mortgage Lenders
Non-QM, Accounting, Settlement, POS, Borrower Assistance Tools; LOs and Compassion; Rates Treading Water
President Trump recommended that publicly held companies report earnings every six months instead of every three. The article also discusses various products and tools available to lenders, such as automated valuation models and private mortgage insurance solutions.
Oct 7, 2025 8:23 AM
— Interest Rates
Early Gains Erase Overnight Weakness
10-year yields rose towards 4.20% overnight but buying pressure at the CME open pushed bonds into positive territory. The buying was likely influenced by the NY Fed Survey of Consumer Expectations, which showed increased unemployment expectations and a weakening labor market.
Oct 7, 2025 7:26 AM
— Bond Markets
Incidental Weakness But No Big Picture Change
The bond market was more vulnerable to outside influences due to lighter volume, leading to unfavorable impacts from political developments in Japan. Selling was moderate, and a recovery early on was followed by a gradual weakening, reaching the lowest levels of the day.
Oct 7, 2025 6:25 AM
— Privacy Policy and Data Sharing
Welcome to Red Ventures’ Privacy Policy.
Red Ventures LLC and its group companies have a privacy policy that explains how they collect and use personal data. They do not sell personal data for money but may share it with social media platforms, analytics providers, and advertising companies based on privacy choices. They collect data from users, use cookies on websites, and share data with third parties to provide services, run their bus... more
Oct 7, 2025 5:24 AM
— Housing Market
Homebuyers Are Canceling Deals at a Record Rate. Here’s Why.
The article discusses how potential homebuyers should be prepared for a competitive housing market, as low mortgage rates continue to drive high demand. It emphasizes the importance of getting pre-approved for a mortgage, having a strong offer strategy, and being willing to move quickly when finding a home they like.
Oct 7, 2025 3:27 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, October 7, 2025: Rates hold under 8.5%
Current HELOC interest rates are under 8.5% APR, with rates dropping due to the decline in the prime rate. Bank of America reports an average APR of 8.47% for a 10-year draw HELOC, following a 5.99% introductory rate. Homeowners are sitting on over $34 trillion in equity but are unlikely to sell their homes due to low mortgage rates. HELOC rates differ from primary mortgage rates and depend on fac... more
Oct 7, 2025 3:26 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 7, 2025: The 30-year rate hovers above 6.25%
The article discusses the current mortgage rates as of now, both for home purchases and refinancing, along with providing data on different types of mortgages and rates. It also explains the difference between fixed-rate and adjustable-rate mortgages, and how they impact interest rates and payments over time. Additionally, it touches on the expectations for mortgage rates until the end of 2025 and... more
Oct 7, 2025 3:25 AM
— Mortgage Finance
Progress on Reducing MBS Spreads?
This article discusses various aspects of mortgage finance publications, including design, content management systems, hosting, and web development. It highlights the importance of these elements in creating a successful mortgage publication.
Oct 7, 2025 3:24 AM
— Housing Market
New data shows where refinance incentives are growing
Market conditions for home loans have improved, with a notable increase in rate-and-term transactions, cash-outs, and purchase loans. Falling interest rates led to a rush in refinancing, but slowing purchase activity caused a decline in overall lock volumes. Washington, D.C. and Denver have the largest share of mortgaged households, leading to a potential shift in buyer demand.
Oct 6, 2025 9:23 PM
— Housing Market
How some Utah families are trying to find an affordable home
With mortgage rates above 6% and high home prices in Utah, many families are turning to multi-generational housing as a solution. This trend allows three generations to live under one roof, helping with affordability and creating more living space for each family member. The Terraine community in West Jordan is an example where families are building homes to accommodate multiple generations.
Oct 6, 2025 1:29 PM
— Mortgage Rates
Mortgage Rates Start The Week Near Recent Highs
Mortgage rates started the week at their highest levels in the past 30 days, but they are still within a narrow range seen in the past 2.5 weeks. Overseas developments caused bond market weakness, leading to slightly higher rates. Rate movement is expected to remain limited until the end of the government shutdown, allowing for the release of major economic reports impacting rates.
Oct 6, 2025 1:28 PM
— Interest Rates
A Smarter Play on Fed Rate Cuts with Cherry Hill Mortgage – Initiation Report
Cherry Hill Mortgage Investment Corp. is recommended for investors looking to benefit from anticipated Fed rate cuts in 2026. The company's dual-sleeve strategy REIT combines mortgage servicing rights with agency residential mortgage-backed securities. They actively manage interest rate risks and anticipate core earnings growth. The business model is sensitive to changes in market interest rates, ... more
Oct 6, 2025 11:29 AM
— Bond Markets
Overnight Losses Thanks to Overseas Markets
Despite a quiet economic calendar, overnight selling in bonds has led to increased volatility. Political developments in Japan and the EU have pushed yields higher in both sessions.
Oct 6, 2025 11:29 AM
— Mortgage Lenders
Trading, TPO Training, Verification Tools; Investor Shutdown News; Fifth Third/Comerica Deal
The article discusses the impact of changing business trends, including the government shutdown affecting lenders but not M&A news. It also highlights new technology and tools for lenders to streamline processes and improve borrower experience.
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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.