Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 97 - 120 of 3726 results
Jan 20, 2026 7:31 PM
— Mortgage Finance
GSE MBS Purchases Help Boost FHA/VA Lending
The article discusses current trends and news in the mortgage industry. It covers topics such as market updates, lender strategies, and recent developments in mortgage lending.
Jan 20, 2026 6:32 PM
— Interest Rates
Realtor.com Finds More Mortgages Now Above 6% Than Below 3%
In the third quarter of 2025, 20% of outstanding mortgages had interest rates below 3% while 21.2% had rates of 6% or above. This shift may indicate a decrease in the 'lock-in' effect where homeowners with low rates are reluctant to move. The share of mortgages with rates between 3-4% was 31.5%, between 4-5% was 17.1%, and between 5-6% was 10.2%. Realtor.com predicts that the share of mortgages be... more
Jan 20, 2026 6:32 PM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has decreased in recent months due to lower interest rate volatility and increased purchases of MBS by the GSEs. As a result, mortgage rates have dropped, leading to a surge in refinance applications and an increase in purchase applications. However, there is uncertainty regarding the longer-term impact of the GSEs' MBS purchases on market sprea... more
Jan 20, 2026 1:30 PM
— Bond Markets
Range Breakout Intensifies. Chicken or Egg?
The bond market has experienced a confirmed breakout with 10yr yields surging almost 10bps above the range ceiling in just 2 days. Technical analysts are excited about the breakout, while fundamental traders are more cautious. A Danish pension fund pulling out of US Treasuries caused a significant volume spike and sharp selling. Bonds are bracing for fallout with Europe over Greenland leading to o... more
Jan 20, 2026 1:03 PM
— Mortgage Rates
Will Rates Get Cut at the January Fed Meeting?
The article discusses the Federal Reserve's upcoming Open Market Committee meeting and the potential for a rate cut. It mentions the factors influencing the decision, such as inflation rates, economic indicators, and the Fed's past actions. The article also touches on mortgage rates, the relationship between the Fed's actions and interest rates, and offers advice on locking in rates or waiting.
Jan 20, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Jump to Match Highest Levels in Nearly a Month
Mortgage rates increased significantly on Tuesday due to geopolitical events and overseas financial markets. Despite the announcement of a $200 billion mortgage bond buying plan by the administration, rates have not improved much because the market had already factored in this news. Mortgage rates may fluctuate depending on geopolitical issues and economic data.
Jan 20, 2026 12:30 PM
— Mortgage Rates
Homebuyers now have a Greenland problem: Mortgage rates jump on geopolitical, tariff turmoil
Mortgage rates jumped 14 basis points following new trade tensions between President Trump and European leaders over Greenland, causing a stock and bond market sell-off. Factors like bond yields, market volatility, and demand for mortgage-backed securities determine mortgage rates. The rising rates threaten to stall the housing market's progress toward normalization, despite rates being down nearl... more
Jan 20, 2026 12:00 PM
— Mortgage Rates
Homebuyers now have a Greenland problem: Mortgage rates jump on Greenland, tariff turmoil
Mortgage rates jumped following new trade tensions between President Trump and European leaders over Greenland, leading to a sell-off in stock and bond markets. Factors like bond yields, market volatility, and demand for mortgage-backed securities determine mortgage rates. The current rate trend threatens to stall the housing market's progress, despite rates being down nearly a percentage point co... more
Jan 20, 2026 11:31 AM
— Housing Market
Non-QM goes mainstream as issuance hits new highs
Lender demand for non-QM and home equity securitizations is continuing into 2026 after a record year. There are promises of big announcements on housing affordability in Switzerland, but it is uncertain if it will include ending the GSE conservatorships. Cryptocurrency development in the mortgage industry has accelerated due to easing regulations. Treasuries sold off sharply after Danish pension f... more
Jan 20, 2026 10:34 AM
— Mortgage Lending
CD lender wanted; custom software, u/w tools; FHA, USDA news; webinars today & tomorrow; Mitch Kider interview
Geopolitical events such as President Trump's tariffs and quest for Greenland can have an impact on interest rates and inflation, potentially leading to higher mortgage rates. Meanwhile, in the mortgage lending industry, companies are focused on legal and regulatory landscapes, technology advancements, strategic partnerships, and expanding their business.
Jan 20, 2026 10:30 AM
— Mortgage Rates
Does President Trump's Push to Lower Mortgage Rates Make These 2 Stocks a Buy?
President Trump announced plans to buy $200 billion in mortgage bonds in an effort to lower mortgage rates. This move is aimed at boosting the housing market, which has been weakened by high mortgage rates. Two stocks, D.R. Horton and Opendoor Technologies, are expected to benefit from falling mortgage rates due to their exposure to the housing market and mortgage rates.
Jan 20, 2026 8:30 AM
— Mortgage Rates
Utah's housing market freezes as more homeowners hold on to low mortgage rates
The article discusses how the Federal Reserve was expected to lower interest rates again in December but now that's uncertain due to economic conditions after the government shutdown. In Utah, a majority of residents are holding onto low mortgage rates in the 3% range, causing a 'lock-in effect' where fewer people are willing to buy new homes with higher rates. This has led to a freeze in the hous... more
Jan 20, 2026 8:28 AM
— Mortgage Rates
Mortgage Rates Inch Up on Tuesday | Today, January 20, 2026
Mortgage rates rose slightly, but are still near three-year lows. The average 30-year fixed mortgage rate is 6.14%. The average 15-year fixed rate is 5.52%. Adjustable-rate mortgages are also available. Rates are stabilizing, allowing for better budget planning. Economic indicators are mixed, which could keep rate movements subdued. Different experts offer advice for those looking to refinance or ... more
Jan 20, 2026 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 20, 2026: Annual rates plummet
In 2026, mortgage rates have dropped compared to the previous year. The current 30-year fixed mortgage rate is 5.90%, while the 15-year fixed rate is 5.36%. Refinance rates are slightly higher than purchase rates. It is recommended to use a mortgage calculator to estimate monthly payments based on different rates and term lengths. 15-year mortgages save money on interest in the long run, but have ... more
Jan 20, 2026 6:30 AM
— Treasury Rates
Bonds Brace For Greenland Fallout. Japan Not Helping Either
Trump's aspirations for Greenland are leading to increased tariffs and potential trade deal suspensions with the EU. A Danish pension fund has announced the liquidation of its Treasury holdings, sparking concerns that other EU countries may follow suit. Debt drama in Japan is also causing a surge in Japanese yields and affecting US Treasuries.
Jan 20, 2026 4:32 AM
— Mortgage Security Measures
Judge approves sale of 5,100 contested rent-stabilized NYC apartments
The article discusses the importance of completing a CAPTCHA or another human verification process to prove that the user is indeed a human and not a bot or automated program. This step is crucial for preventing spam, fraud, and other malicious activities on websites.
Jan 20, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 20, 2026: Rates have plummeted over the last year
In 2026, mortgage rates have decreased compared to the previous year, with the average 30-year fixed rate at 5.90% according to Zillow. Yahoo Finance found three top-five-ranked lenders with rates at or below 5.50%. The article discusses mortgage rates for various terms, including refinancing rates, the benefits of 15-year mortgages over 30-year mortgages, and the differences between fixed-rate an... more
Jan 19, 2026 12:40 PM
— Housing Market
Homebuilder confidence dips in January despite easing mortgage rates
Builder confidence declined in January as incentives and price cuts are widespread in response to falling new-home prices. The housing market is facing buyer hesitancy, consumer confidence issues, shrinking profit margins, and elevated incentives. The average 30-year mortgage rate has dropped to 6.04%, the lowest since October 2024, but economic uncertainty continues to impact the housing market o... more
Jan 19, 2026 12:24 PM
— Home Equity Line of Credit (HELOC)
Should You Open a HELOC and Not Use It?
Some homeowners open a home equity line of credit (HELOC) without immediate plans to use it in order to have access to optional liquidity without taking on debt. This strategy can be beneficial for those with stable income, strong credit, and a disciplined approach to borrowing. It can also provide advantages like securing funding for future home improvements before costs rise. However, it is not ... more
Jan 19, 2026 11:30 AM
— Mortgage Lending
Trump to outline housing affordability proposals at Davos
The article discusses the importance of verifying human identity through CAPTCHA challenges to prevent fraudulent activities on websites. It explains how CAPTCHA helps in distinguishing between human users and bots by presenting challenges that only humans can solve.
Jan 19, 2026 9:33 AM
— Tax Deductions for Homeowners
Are you a homeowner? Here are some of the tax deductions you might qualify for this tax season.
Homeowners in the U.S. are preparing to file their taxes and may wonder about deductions. The mortgage interest deduction remains one of the chief tax breaks for homeowners, but fewer people claim it since the Tax Cuts and Jobs Act. The standard deduction for 2025 is $15,750 for single filers and $31,500 for married couples. Changes this year include the expansion of the state and local tax (SALT)... more
Jan 19, 2026 9:30 AM
— Mortgage Rates
Will mortgage rates drop below 5% in 2026? Here's what experts say.
Mortgage rates have been steadily decreasing over the past year and have reached their lowest point in over three years. There is speculation on whether rates could drop below 5%, but experts find it highly unlikely. Factors such as inflation, labor market strength, and economic growth play a significant role in determining mortgage rates. While industry forecasts predict rates to finish the year ... more
Jan 19, 2026 7:44 AM
— Mortgage Lending
A Faster Fix for Home Affordability With Bigger Long-Term Costs
The Trump administration abandoned the idea of the 50-year mortgage plan and instead proposed allowing buyers to use their retirement savings and 529 college funds for down payments, penalty-free. This shift, while helpful for increasing homeownership, comes with significant financial risks as it involves spending future retirement funds which may result in lost opportunities for compound growth, ... more
Jan 19, 2026 5:32 AM
— Mortgage Rates
30-year mortgage rates decrease - How often do rates change? | Today's mortgage and refinance rates, January 16, 2026
Bankrate data shows that mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM have decreased. Predictions suggest rates may drop even lower, potentially falling below 6%. The average rate for a 30-year fixed mortgage is 6.11%, while a 15-year fixed is at 5.45% and a 5/1 ARM is at 5.50%. Jumbo mortgage rates have also decreased. Refinance rates have gone up slightly. Tips are provided for g... 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.