Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 1153 - 1176 of 2228 results
Jul 22, 2025 8:01 AM
— Bond Markets
Bonds Approve of Bessent Comments and Stock Volatility
Stock market volatility is impacting both stock and bond markets, with earnings season increasing volume and liquidity. Positive movement in the bond market occurred after comments from Bessent regarding trade negotiations and Fed Chair Powell. Bessent's efforts seem to be helping yields move lower to decrease Treasury's interest burden.
Jul 22, 2025 6:00 AM
— Mortgage Websites
The Latest Mortgage Rate Forecasts
The article discusses that the website does not track user information but will use a small cookie to remember users' preferences. It also encourages non-members to learn more about the website's newest feature, Personalized Posts.
Jul 22, 2025 5:00 AM
— Mortgage Lending
This company can help you get the low mortgage rates of years ago.
RetroRate is a new company offering a software tool that identifies homes with assumable mortgages, which can potentially save buyers over $1,000 per month. However, the process can be time-consuming and involves working with the existing mortgage servicer. RetroRate offers a concierge service to assist buyers and sellers through the process for a fee. Assumable mortgages can be beneficial for bot... more
Jul 22, 2025 3:00 AM
— Mortgage Lenders
Rate buydowns, negotiations, and nepo money: Here's how people are affording homes in today's market
The article discusses a special introductory offer for a subscription that provides unlimited access to various content. The subscription can be canceled at any time and is available on a monthly or annual basis at different price points.
Jul 22, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 22, 2025: Mortgage rates trend downward
Mortgage rates have seen a noticeable drop recently with the 30-year fixed rate dropping by six basis points to 6.66% and the 15-year fixed rate falling by 15 basis points to 5.82%. The drop is attributed to the rise in stock market analysts gaining cautious optimism and the increase in bond positions, including the 10-Year Treasury. The article also discusses how mortgage rates vary depending on ... more
Jul 21, 2025 4:00 PM
— Mortgage Rates
Why the 'lock-in' phenomenon is gripping American homeowners
A new survey from Bankrate found that more than half of U.S. homeowners are uncomfortable selling their homes in 2025, regardless of the mortgage rate, showing an increase in caution from previous years. Homeowners with low, fixed-rate mortgages are hesitant to sell due to the fear of losing their favorable interest rates, known as the 'lock-in' phenomenon. Many homeowners are waiting for mortgage... more
Jul 21, 2025 3:01 PM
— Bond Markets
Uneventful Resilience
The bond market showed moderate resilience on Monday, with yields lower across the board, particularly for longer-term notes. The motivation for the market movement is assumed to come from technical factors and trading in other markets. Earnings season is contributing to increased volume and volatility around 9:30am and 4pm.
Jul 21, 2025 1:00 PM
— Mortgage Rates
Mortgage Rates Move Slightly Lower to Start New Week
Mortgage rates slightly decreased on Monday, with the average lender dropping by 0.03% for a top tier 30yr fixed scenario compared to last Friday. This marks the 4th consecutive business day with a slight improvement, bringing rates back to their lowest levels since July 3rd. This week is expected to have less volatility in rates due to the absence of high-impact economic data like the Consumer Pr... more
Jul 21, 2025 12:00 PM
— Mortgage Lenders
How To Find The Best Annuities With Low Fees
Annuities can provide guaranteed income in retirement but are complex to compare due to multiple types and fees. Advisors can use special software to compare annuities, while insurance agents can help with shopping. Websites like IncomeSolutions.com and DIY approach can also be used to compare annuity options.
Jul 21, 2025 11:01 AM
— Mortgage Rates
Most rates increase: How long will rates stay here? - Today's mortgage and refinance rates, July 21, 2025
Mortgage rates have mostly increased compared to a week ago, with rates for 30-year fixed, 15-year fixed, and ARMs going up, while rates for jumbo mortgages have decreased. The rise in rates is attributed to higher inflation, which may lead to the Federal Reserve keeping interest rates stable at the next meeting. Homeowners are hesitant to buy or sell due to rate movements, with forecasts indicati... more
Jul 21, 2025 9:00 AM
— Bond Markets
Stronger Start on Another Quiet Calendar Week
This week's economic calendar is relatively quiet, with scheduled speeches from Fed members not touching on monetary policy due to the Fed's blackout period. The S&P PMI and Jobless Claims data may prompt some reactions, but overall, both stocks and bonds are making gains. Technicians are focusing on technical indicators such as support at 4.50% in 10yr yields last week and the nearness to the 100... more
Jul 21, 2025 7:17 AM
— Housing Market
America’s best states to retire in 2025: New Hampshire takes the top spot
Bankrate's 2025 Best and Worst States to Retire Study revealed that New Hampshire is the top state for retirees in 2025, followed by Maine, Wyoming, Vermont, and Idaho. The study considered factors like affordability, health care, neighborhood safety, access to healthcare, air quality, and recreational opportunities in ranking the states. New England and Western states dominated the top 10, while ... more
Jul 21, 2025 7:00 AM
— Housing Market
Goldman's Mid-Year Housing Outlook
Goldman Sachs Senior economist Ronnie Walker predicts slowing construction and price growth in the housing market due to sustained high mortgage rates affecting housing turnover and homeowners' ability to sell and buy new homes. Existing home sales are forecasted to be 23% below 2019 levels. Single-family housing starts are expected to decline by 11% this year. House prices are projected to rise b... more
Jul 21, 2025 5:00 AM
— Social Security Benefits
Ask an Advisor: Can I Take My Late Husband's Social Security and Switch to My Benefit at 70?
Felicia, a widow, is wondering if she can draw her late husband's Social Security benefits at age 67 or 68 and then switch to her own at age 70. The article explains the difference between spousal benefits and survivor benefits, noting that survivor benefits do not have deemed filing rules like spousal benefits. It clarifies that she can claim her survivor benefit at 67 and then wait until 70 to f... more
Jul 21, 2025 5:00 AM
— Mortgage Rates
Buyers May Have Accepted a New Norm on Rates
Mortgage rates are in the high 6% range, making it challenging for buyers, but more first-time buyers are entering the market due to increased inventory and more predictable interest rates. Mortgage applications have increased compared to a year ago, indicating a positive trend in the market.
Jul 21, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today for July 21, 2025: Rates have increased since last July
Current mortgage interest rates have changed little, with the average 30-year fixed rate at 6.72% and the 15-year fixed rate at 5.97%. Rates have increased since last year, contrary to expectations of a fall. Choosing to buy a house should depend on personal timing rather than rate trends. The article also provides details about refinance rates, the use of mortgage calculators, and adjustable-rate... more
Jul 20, 2025 6:00 PM
— Interest Rates
China keeps benchmark lending rates steady as economic growth stays strong
China kept its benchmark lending rates steady amidst weak consumer sentiment and softening growth. The 1-year loan prime rate remains at 3.0% and the 5-year LPR at 3.5%. GDP growth in the second quarter was 5.2%, higher than expected, while retail sales growth in June slowed. Analysts predict economic fundamentals could worsen in the second half of the year, leading to potential further policy eas... more
Jul 20, 2025 2:00 PM
— Housing Market
Top economist sounds the alarm even louder on the housing market and says homebuilders are ‘giving up’
Moody's Analytics chief economist Mark Zandi warns that the housing market outlook is rapidly deteriorating, with home sales, homebuilding, and prices set to slump unless mortgage rates drop significantly from their current near 7%. Existing home sales rose in May but marked the slowest sales pace for any May since 2009. Sales of new single-family homes and housing starts have decreased as well. H... more
Jul 20, 2025 2:00 PM
— Housing Market
Top economist sounds the alarm even louder on the housing market and says homebuilders are 'giving up'
Moody's Analytics chief economist Mark Zandi warns that the housing market is weakening and will likely become a significant drag on overall economic growth. Home sales, homebuilding, and house prices are all expected to decline unless mortgage rates drop significantly from their current near 7% level, which seems unlikely. Builders are cutting prices, and increased supply is putting further press... more
Jul 20, 2025 3:25 AM
— Taxation of Retirement Income
13 States That Don’t Tax Your Retirement Income
The article discusses how different states tax retirement income, with some states not taxing retirement income at all. It highlights states like Illinois, Iowa, Mississippi, and Pennsylvania that do not tax retirement income, as well as states that do not tax Social Security benefits for retirees. The article also emphasizes the importance of understanding the tax implications of living in a stat... more
Jul 20, 2025 3:24 AM
— Mortgage Rates
Mortgage Rate Variability Index
The Mortgage Rate Variability Index currently reads 4 out of 10, indicating steady mortgage rate trends in recent weeks. The average 30-year mortgage rate has been between 6.72 percent and 6.95 percent since late February 2025, a significant difference from rates in 2020 and 2021 or 2022 and 2023. The index considers four key factors to determine variability in mortgage rates.
Jul 20, 2025 3:01 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, July 20, 2025: Home equity line of credit rates are unchanged, remaining under 9%
The article discusses how the HELOC interest rate has remained stable recently, making it a good option to access a home's cash value. It explains the current average APR rate for a HELOC and emphasizes the importance of shopping around for the best rates and terms. The article also highlights the benefits of maintaining a low-rate primary mortgage while utilizing a HELOC for various needs.
Jul 20, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 20, 2025: Economists expect rates to stay high
The article discusses the current mortgage rates in the market, indicating that even though there are fluctuations, the changes are relatively small. It mentions the average rates for 30-year fixed mortgages, 20-year fixed mortgages, and 15-year fixed mortgages. The Mortgage Bankers Association's forecast suggests a slight decrease in rates by the end of the year. It also provides information on m... more
Jul 19, 2025 7:00 AM
— Mortgage Finance
NAR Economist Forecasts Growth in Home Sales in 2026 (IMF)
NAR Economist Lawrence Yun predicts a 14% growth in home sales in 2026 if mortgage interest rates drop to 6%. However, economists at Fannie Mae and MBA have recently revised their expectations for mortgage rate decreases.
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.