Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 1393 - 1416 of 2209 results
Jul 1, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 1, 2025: Small moves in both directions for 15- and 30-year terms
The article discusses the current mortgage interest rates, differences in rates between different mortgage types, the impact of various factors on interest rates, comparisons between fixed-rate and adjustable-rate mortgages, and expectations regarding future mortgage rate trends.
Jun 30, 2025 3:01 PM
— Bond Markets
Steady Gains in the PM Hours
On quarter-end trading, bond buying in the afternoon resulted in yields bottoming out just before the NYSE close. Month-end buying picked up later, leading to a strong move into the close with MBS up almost a quarter point and 10yr down 4.8bps.
Jun 30, 2025 3:00 PM
— Mortgage Rates
FHFA’s National Mortgage Database: Outstanding Mortgage Rates, LTV and Credit Scores
The article analyzes data on outstanding mortgages by interest rate, average mortgage interest rates, borrowers' credit scores, and loan-to-value ratios. It shows a surge in the percentage of loans under 3% in early 2020 due to declining mortgage rates during the pandemic. The data also reveals that a large percentage of mortgage loans were under 4% prior to the pandemic, with the percentage of lo... more
Jun 30, 2025 2:00 PM
— Mortgage Lenders
Would-be Home Buyers Are Deterred by Interest Rates. Explore Your Options.
The article discusses various options for buying a home, including locking in the rate and utilizing government-backed loans.
Jun 30, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Take Another Step Toward April Lows
Average 30yr fixed mortgage rates were in the mid-6s but have come down slightly in recent days. Economic data in the upcoming week, especially the jobs report, will play a significant role in determining whether rates will continue to decrease or bounce back up. The recent movement in rates was not driven by any specific news or data but rather by traders positioning their portfolios for the end ... more
Jun 30, 2025 10:02 AM
— Housing Market
The Fed chose Treasury markets over housing sanity
During a testimony to the House Financial Services Committee, Federal Reserve Board Chairman Jerome Powell evaded questions about the impact of monetary policy on housing, claiming that the best course of action was to restore price stability to bring rates down. The Fed had previously caused a surge in mortgage lending activity and home prices by aggressively forcing mortgage rates down. This pol... more
Jun 30, 2025 10:00 AM
— Housing Market
Why are home prices so high? Factors contributing to current housing costs.
The article discusses the rising home prices in the United States due to various factors such as lack of affordable housing supply, low mortgage rates that give homeowners little incentive to sell and trade up, and additional economic stressors like tariffs, labor shortages, and insurance costs. The current situation seems to be affecting both buyers and sellers, leading to higher prices and a sup... more
Jun 30, 2025 10:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today for June 30, 2025: Rates hold steady
The article discusses the current mortgage rates as of the end of Q2 2025, providing details on the average rates for different types of mortgages. It emphasizes that economists do not expect significant drops in mortgage rates in the coming years. The article also explains the differences between 15-year and 30-year mortgages, adjustable-rate mortgages, and how factors like credit score and down ... more
Jun 30, 2025 9:01 AM
— Mortgage Finance
VA Lending Falls, Refis In Particular
The article discusses the importance of staying informed about current mortgage rates in order to make sound financial decisions. It emphasizes the impact that fluctuating interest rates can have on the overall cost of a mortgage and advises individuals to shop around for the best rates.
Jun 30, 2025 9:01 AM
— Regulation and Compliance News
Automation, HELOC Products; The Current State of Regulation and Compliance; Interest Rates Sagging
Mortgage fraud is still a prevalent issue in the United States and Canada. The recent MBA Hawai’i conference discussed regulatory and compliance issues in the mortgage industry. Various companies are offering products, software, and services for brokers and lenders, such as digital HELOC programs and Encompass automation strategies. The CFPB continues to prosecute cases involving consumer protecti... more
Jun 30, 2025 5:01 AM
— Retirement Planning
Ask an Advisor: I Have $1M in My IRA. How Much Will I Pay in Taxes When RMDs Begin?
Once you reach age 73, you will need to take required minimum distributions (RMDs) from your traditional IRA each year, which are subject to income tax. RMDs are calculated based on an IRS formula using your age and account balance. Starting at age 73, distributions from tax-deferred accounts follow a schedule based on life expectancy, and withdrawals combined with a portion of your Social Securit... more
Jun 29, 2025 5:01 AM
— Mortgage Rates
The Historically Wide Spread between the 10-Year Treasury Yield and Mortgage Rates Widened Again: Some Thoughts
The article discusses the movements in Treasury yields, mortgage rates, and spreads between them. It mentions the historical context of mortgage rates and how they are influenced by Fed policy like QE and QT. It explains how the widening spreads are causing relatively higher mortgage rates.
Jun 29, 2025 5:00 AM
— Housing Market
Falling home prices are raising the risk of a deeper correction as the housing market cracks under high mortgage rates
Recent housing market indicators show a persistent weakness in home prices, with month-over-month declines and a risk of a prolonged downturn due to high mortgage rates around 7%. The latest Case-Shiller and FHFA price reports indicate falling house prices, slowing demand, and declining momentum in the existing homes market. Economists attribute the price declines to high mortgage rates, elevated ... more
Jun 28, 2025 3:00 PM
— Housing Market
Falling home prices are raising the risk of a deeper correction as the housing market cracks under high mortgage rates
Recent indicators suggest a possible extended slump in house prices, with the Case-Shiller home price index showing a 0.3% monthly fall and the FHFA price index also indicating a drop. The market is facing challenges due to near-7% mortgage rates, high borrowing costs, and weakening consumer demand. While lower prices may attract more buyers, economists warn of ongoing headwinds that could lead to... more
Jun 28, 2025 1:00 PM
— Housing Market
Have slightly lower mortgage rates stabilized the housing market?
Mortgage rates have been slowly decreasing, with the last two weeks being particularly noteworthy. Despite elevated rates, homebuyers are not discouraged, and new listings are slowing down, showing a lack of stress among home sellers in 2025. As mortgage rates dip and Washington rethinks housing policy, buyers may have a narrow window of opportunity in a cautious market.
Jun 28, 2025 8:00 AM
— Bond Markets
Minimal Impact From PCE Data
Bonds were slightly weaker at the start of the final trading day of the week, but this was not due to the morning's PCE data. The PCE data did not cause much of a stir, despite core monthly inflation being slightly higher than forecast. Lower income and spending offset the higher inflation. Bonds improved slightly, but headlines about the Senate's push to approve its version of the spending bill h... more
Jun 28, 2025 8:00 AM
— Mortgage Finance
Non-QM MBS Withstanding Rising Delinquencies
The article discusses the current trends and challenges in the mortgage industry, including changes in mortgage rates, housing market conditions, and the impact of economic factors on mortgage lending.
Jun 28, 2025 5:03 AM
— Mortgage Finance
Mixed Trends for ARM Originations in Early 2025
The article discusses the latest trends and developments in the mortgage industry, focusing on key factors affecting mortgage rates and lending practices.
Jun 28, 2025 5:03 AM
— Mortgage Finance
Short Takes: Stable Rates / Pending Home Sales Up Slightly / Inflation Higher Than Expected / New Verification Tool From MISMO
The article discusses the latest trends in the mortgage market focusing on mortgage rates and housing market dynamics.
Jun 28, 2025 5:03 AM
— Housing Market
New Home Sales Drop to Lower End of Range After Hitting The Highs Last Month
New Home Sales dropped sharply in May, with a 13.7% decrease from April and a 6.3% decrease from the same month last year. Inventory increased to 507,000 homes, resulting in a 9.8-month supply, the highest in several years. Median and average home prices also rose compared to the previous month and year. The decline in sales was most significant in the South and West regions.
Jun 28, 2025 5:02 AM
— Bond Markets
Modest Friday Bounce Does Little to Alter Bigger Picture
Bonds gave up their gains late in the day after a decent recovery, likely due to Senate moving closer to a spending bill vote and Trump declaring an end to trade negotiations with Canada, potentially implying inflation pressure. The week overall saw lower Fed Funds Rate expectations, which will be further influenced by key economic reports in the following weeks.
Jun 28, 2025 5:02 AM
— Housing Market
Pending Home Sales Data Scores Some Points, But Not Enough to Change The Game
The National Association of Realtors' Pending Home Sales Index has been rangebound for over two years due to affordability pressures and elevated mortgage rates. Despite a modest 1.8% increase in May, the index is still below pre-2022 levels. Contract activity remains sluggish due to rate constraints in the housing market.
Jun 28, 2025 5:02 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 28, 2025: Rates nosedive since last weekend
The article discusses the current mortgage rates, which have dropped since last weekend. The average 30-year fixed mortgage rate is 6.53%, while the 15-year fixed rate is 5.71%. Economists predict that rates will remain above 6% through 2026. The piece also explains the advantages and disadvantages of 30-year fixed mortgages versus 15-year fixed mortgages and adjustable-rate mortgages (ARMs). It m... more
Jun 28, 2025 3:01 AM
— Mortgage Rates
Rates decrease as home sales slightly up - Current mortgage and refinance rates, June 27, 2025
Mortgage interest rates have decreased across all loan terms compared to a week ago. The Federal Reserve opted to keep the benchmark federal funds rate unchanged due to factors like inflation and employment uncertainty. The current average rates for a 30-year fixed mortgage, 15-year fixed mortgage, 5/1 adjustable rate mortgage (ARM), and jumbo loans have all dropped. Dr. Selma Hepp predicts that t... more
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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.