Mortgage News
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Sep 24, 2025 12:24 PM
— Mortgage Rates
Mortgage Rates Fairly Flat Despite Bond Market Volatility
Mortgage rates typically align with the movement of the bond market, but day-to-day discrepancies can occur depending on market volatility. Yesterday, bonds improved in the afternoon, suggesting lower mortgage rates, but most lenders did not adjust rates in time. Today, bonds are weaker, indicating potentially higher rates, but lenders have not raised rates to reflect yesterday's market changes.
Sep 24, 2025 10:24 AM
— Mortgage Rates
30-year mortgage rates rise after the Fed's rate cut | Today's mortgage and refinance rates, September 23, 2025
Mortgage interest rates have mostly increased compared to a week ago, with the Federal Reserve announcing a rate cut but indicating that other factors like inflation expectations and market sentiments also play a role in determining rates. Average rates for 30-year fixed, 15-year fixed, and jumbo loans have gone up, while 5/1 ARM rates have decreased. Despite the rate cut, the current 30-year fixe... more
Sep 24, 2025 9:24 AM
— Mortgage Finance
Fannie Economists Expect Sharp Drop in Interest Rates
The article discusses various topics related to mortgage finance publications in 2025, including design, content management systems, hosting, web development, and ePublishing.
Sep 24, 2025 8:24 AM
— Bond Markets
Quieter Calendar Leaves Focus on 5yr Auction
This week's economic calendar had some activity with unscripted comments from Fed Chair Powell, other Fed speakers, and an S&P PMI report. Today's only significant monthly report is New Home Sales, which typically doesn't impact bonds much. The 5yr Treasury auction and a bond announcement from Oracle at 8am ET are likely driving some moderate weakness in the market.
Sep 24, 2025 8:24 AM
— Mortgage Rates
HELOC, Reverse, Borrower Mining, Fraud Detection Tools; MBA and Fannie Forecasts; What's up with Better?
The MBA is predicting a slowdown in the future due to job growth slowing down and increased job search times. They expect minimal impact on mortgage rates and 10-year Treasury yields despite the possibility of 2-3 fed funds cuts. Fannie Mae expects mortgage rates to end 2025 and 2026 at 6.4 percent and 5.9 percent, respectively. This is occurring in a market where many down payment programs have h... more
Sep 24, 2025 8:23 AM
— Housing Market
New home sales surge over 20% to 3-year high as lower mortgage rates spurred demand
Sales of new US single-family homes surged in August to the highest level in more than 3-1/2 years, driven by falling mortgage rates. However, economists are skeptical about the sustainability of this spike, citing volatility in new housing data, subdued homebuilder sentiment, and a weakening labor market. Despite the increase in sales, the housing market has been in a slump due to higher mortgage... more
Sep 24, 2025 7:23 AM
— Mortgage Lenders
Fannie Mae sees home sales surging as rates tumble in 2026
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Sep 24, 2025 6:23 AM
— Interest Rates
Federal Reserve cuts interest rates: What’s next for credit cards, auto loans, mortgages
The Federal Reserve cut short-term interest rates by a quarter-point, and there is speculation regarding more rate cuts in the future. The political influence on the Fed by President Trump, disagreements among Federal Reserve governors, and statements pointing to potential economic challenges were highlighted during the recent meeting. The potential impact on credit card rates is mentioned along w... more
Sep 24, 2025 5:23 AM
— Mortgage Rates
Mortgage Rates to Drop Below 6% by End of 2026
Fannie Mae projects that mortgage rates will decrease to 6.4% by late 2025 and 5.9% in 2026, with an increase in home sales and mortgage originations over the same period.
Sep 24, 2025 4:23 AM
— Interest Rates
Mortgage demand stalls after mini refinance boom
After a significant increase in refinance demand the previous week, mortgage demand remained stagnant despite a further decrease in interest rates. Refinance demand only rose by 1% for the week but was considerably higher compared to the same period last year. Purchase application activity remained relatively strong. Demand for adjustable-rate mortgages, which had surged earlier, fell back last we... more
Sep 24, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, September 24, 2025: Creeping higher
Mortgage interest rates saw small increases, with the average 30-year fixed rate rising to 6.39% and the 15-year rate reaching 5.72%. The rates for mortgages, refinance, and adjustable-rate mortgages were provided, showcasing how rates affect monthly payments and interest paid over the loan term. Each type of mortgage has its pros and cons related to interest rates, predictability, and overall cos... more
Sep 23, 2025 2:24 PM
— Bond Markets
Modestly Stronger After No Whammies From Powell
Last week, the press conference with Fed Chair Powell was seen as more hawkish than expected, leading to a selling spree in the bond market. However, over the past 3 days, the market has mostly been sideways. Today, yields almost reached Thursday's closing levels, with the majority of the movement occurring after Powell finished a Q&A session. Traders were relieved that Powell did not reinforce th... more
Sep 23, 2025 1:25 PM
— Housing Market
Where Fannie Mae anticipates rates will head next
Fannie Mae revised their mortgage rate forecasts downward and projected higher volumes for next year. The government-sponsored enterprise also extended Michael Hutchins' term as interim CEO. A New Jersey-based bank plans to eliminate over 100 employees from its mortgage lending operations. Stakeholders are being urged to base decisions on data rather than politics related to a proposed repeal. A b... more
Sep 23, 2025 1:23 PM
— Mortgage Lenders
Dave Ramsey Weighs In on Fed Interest Rate Cut for Homeowners: It’s ‘Good News’
The article is about a technical issue with processing a request on a real estate website. The reader is asked to contact customer support with a specific reference ID if the problem persists.
Sep 23, 2025 12:24 PM
— Mortgage Rates
Mortgage Rates Little Changed on Tuesday
Mortgage rates are influenced by bonds, which in turn are impacted by economic reports and speeches from Federal Reserve officials. Fed Chair Powell's recent comments did not significantly affect rates, leading to a slight increase in average 30yr fixed mortgage rates compared to yesterday, but rates have remained mostly stable since last week.
Sep 23, 2025 9:24 AM
— Bond Markets
Which Powell Will We Get Today?
Fed Chair Powell will be speaking at a chamber of commerce luncheon in Providence today, providing an opportunity for markets to gain insight into his playbook through a Q&A session. Previous sessions following hawkish bias tend to see Powell pushing back toward a more balanced approach, although sometimes he continues with hawkish talk. The S&P PMI data has been underwhelming, making Powell's Q&A... more
Sep 23, 2025 9:23 AM
— Interest Rates
What are the monthly payments on a $350,000 mortgage after the Fed's rate cut?
The Federal Reserve's decision to cut its benchmark rate by 25 basis points caused mortgage rates to drop, with the average 30-year fixed mortgage loan rate falling to 6.13%, the lowest in three years. This rate cut led to a surge in new mortgage loans and refinancing applications. Borrowers could save over $2,500 annually on a $350,000 loan compared to rates earlier in the year. Current homeowner... more
Sep 23, 2025 8:24 AM
— Mortgage Lending
HELOC, AI Assistant, CE, Recapture Products; Market-Based Affordability; LOs and Consumer Data
The article discusses recent developments in the real estate world, such as Compass becoming the largest residential real estate firm after acquiring Anywhere for $1.6 billion. It also mentions conferences talking about government shutdowns affecting lenders, the rise in foreign buyers in the U.S., and the importance of compliance in the mortgage industry. Various companies offer solutions to mort... more
Sep 23, 2025 7:23 AM
— Mortgage Rates
Mortgage Rates Expected to Move Below 6 Percent by End of 2026
The Fannie Mae Economic and Strategic Research Group forecasts mortgage rates to end 2025 at 6.4 percent and 2026 at 5.9 percent. They also project new and existing home sales to increase in 2026 compared to 2025, along with higher single-family mortgage originations activity and a rise in the refinance share.
Sep 23, 2025 3:25 AM
— Mortgage Insurance
FHA premium cancellation bill reintroduced in the House
A bipartisan bill has been reintroduced in the House of Representatives to end the Federal Housing Administration's life-of-loan requirement for mortgage insurance coverage. Private mortgage insurance currently has a larger share of business than FHA, but the gap is expected to narrow through 2027. Mortgage rates in the US dropped significantly last week, leading to an increase in refinancing. Non... more
Sep 23, 2025 3:25 AM
— Mortgage Finance
Short Takes: Mortgage Rates, Which Way? / Ah, the 10-Year / Two Harbors Busy / A Longer Stay for Freddie’s (Interim) CEO
The article discusses the recent trends and updates in the mortgage industry, highlighting changes such as advancements in technology and regulations affecting lenders and borrowers.
Sep 23, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, September 23, 2025: Small moves but no trend
The article discusses current mortgage rates, the difference between fixed-rate and adjustable-rate mortgages, as well as options for 15-year versus 30-year mortgages. It also mentions the likelihood of mortgage rate decreases before the end of 2025 and factors influencing these changes.
Sep 22, 2025 3:24 PM
— Mortgage Finance
Mortgage Denial Rates by Product: 2017-2021 (PDF)
The article provides data on the percentage of mortgage applications denied for conventional, FHA, VA, USDA, and jumbo loans, with breakouts by purpose. The information is sourced from HMDA.
Sep 22, 2025 2:24 PM
— Bond Markets
Slow Burn With Little to Blame
Bonds started the day sideways but gradually lost ground throughout. Multiple Fed speakers made comments but had no clear impact. The losses coincided with the NYSE opening, potentially impacting bond tradeflow dynamics. 10yr yields are up almost 2bps and MBS are down on the day.
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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.