Mortgage News
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Showing 121 - 144 of 3729 results
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
Jan 19, 2026 4:30 AM
— Mortgage-related Media Outlets
Mortgage rates are dropping. Should you refinance?
The article provides a brief overview of CBS News, stating that it is copyrighted by CBS Interactive Inc. All rights are reserved.
Jan 19, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 19, 2026: Rates fall by over 80 basis points in 6 months
Mortgage rates are currently declining, with the 30-year fixed rate dropping by 83 basis points to 5.90% and the 15-year fixed rate falling to 5.36%. Now is a good time to buy a new home or refinance your mortgage. Various types of mortgage rates are provided, such as 20-year fixed, 5/1 ARM, 7/1 ARM, VA loans, and more. Considerations for choosing between 15-year and 30-year mortgages and adjustab... more
Jan 18, 2026 9:30 PM
— Mortgage Rates
Eight mortgage predictions for 2026
The article discusses the predictions for the mortgage market in 2026, with experts anticipating one to two rate cuts by the Bank of England. Affordability criteria are expected to be relaxed for certain groups, such as self-employed borrowers and professionals with stable incomes. Lenders are likely to refine their criteria to better reflect modern working patterns and a more diverse borrower bas... more
Jan 18, 2026 12:32 PM
— Housing Market
Existing home sales outlook improves as mortgage rates stabilize
Existing home sales may rise in 2026 if mortgage rates remain near 6% and inventory stays stable, with normalized mortgage spreads and improved supply conditions supporting the growth outlook. D.R. Horton is outperforming rivals in critical metrics. The U.S. rental market is showing signs of settling into equilibrium after years of volatility, with slowed rent growth and increased vacancy.
Jan 18, 2026 9:32 AM
— Housing Market
Housing demand is off to a solid start in 2026
Mortgage rates near 6% and normalized spreads are expected to contribute to the first growth in existing home sales in years. Inventory levels are healthy, keeping prices in check. Data shows an increase in purchase apps and weekly pending sales, indicating growth in the housing market.
Jan 18, 2026 9:30 AM
— Mortgage Rates
Homeowners don’t want to move. It’s a big deal for their shrinking backyards.
The article discusses how high mortgage rates are leading to shrinking backyards for homeowners.
Jan 18, 2026 8:30 AM
— Homeownership Costs
If you want to be financially independent at a young age, don’t buy a house, serial investor says
Amid high home prices, inflation, and high mortgage rates, some experts suggest renting instead of buying a home for financial independence. Renting is shown to be cheaper than owning a home in every large U.S. metro area. The high costs of homeownership, such as maintenance, taxes, and updates, may outweigh the benefits of owning a home.
Jan 18, 2026 4:38 AM
— Mortgage Lenders
Jan. 17: What is driving mortgage rates; California & AI legislation; Robert Rubin business leader silence; Saturday Spotlight: Flyhomes BBYS – Daily Mortgage News & Commentary
The article discusses Flyhomes, a company that helps homebuyers purchase a new home before selling their current one. They offer innovative financial products to solve common challenges for borrowers. The company operates on a wholesale-only model and provides affordable solutions. The article also includes commentary on the mortgage rate market, potential factors that could impact rates, and prop... more
Jan 18, 2026 4:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 18, 2026: Weekly rates drop by 19 basis points
Current mortgage rates are under 6%, with the average 30-year fixed rate at 5.90% and the 15-year fixed rate at 5.36%. Shopping with multiple lenders is recommended to find the best deal. Rates vary based on type of loan and may differ for purchasing a home or refinancing. Factors impacting rates include mortgage term, interest rate, and type of mortgage. Lenders offer lower rates to those with hi... more
Jan 17, 2026 11:31 AM
— Mortgage Finance
GSE MBS Purchase Effects Ripple to FHA/VA Market
The article discusses recent trends in the housing market, focusing on how low mortgage rates are driving high demand for home purchases. It also mentions the impact of rising home prices on affordability for potential buyers.
Jan 17, 2026 7:30 AM
— Mortgage Rates
Average 30-year mortgage hits the lowest point in more than 3 years
The average long-term U.S. mortgage rate has dropped to its lowest level in more than three years. The 30-year fixed rate mortgage rate is now at 6.06%, down from 6.16% last week and 7.04% a year ago. Lower mortgage rates are helping homebuyers by boosting purchasing power, but uncertainty in the economy and job market is keeping some buyers on the sidelines. The Federal Reserve's rate cuts have c... more
Jan 17, 2026 6:32 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Mortgage rate-lock activity ended the year on a strong note with total lock volume increasing 2% month over month and 30% year over year. Refinances, especially rate-and-term, drove the growth. Cash-out refinance volume also saw an increase while purchase activity remained resilient. Mortgage rates were stable in December. Lenders made adjustments on the secondary side with widening spreads and in... more
Jan 17, 2026 6:31 AM
— Housing Market
Trump housing plan to allow use of 401(k) funds for downpayments
Kevin Hassett, a White House economic adviser, hinted at the Trump administration's plans to improve housing affordability, including allowing homebuyers to use their 401(k) funds for down payments. The proposal is aimed at helping first-time buyers without punitive consequences.
Jan 17, 2026 4:38 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Despite typical holiday-driven seasonality, mortgage rate-lock activity ended the year strong with total lock volume rising by 2% month over month from November and finishing 30% higher year over year. Rate-and-term refinances saw a significant increase of 13% from November and over 170% compared to December 2024. Mortgage rates remained stable in December with the 30-year conforming fixed rate at... more
Jan 17, 2026 4:33 AM
— Mortgage Lenders
Lenders group flags risks in single-bureau credit plan
The article discusses concerns from the Community Home Lenders of America regarding the transition to a single-bureau credit report option at government-sponsored enterprises. Lenders are facing continuous credit report price hikes, prompting a call for credit bureaus to address the issue. The Mortgage Bankers Association is examining data to determine if a premium cut is warranted, while some reg... more
Jan 17, 2026 4:32 AM
— Housing Market
Does the Compass-Anywhere merger spark new phase in portal wars?
Compass's acquisition of Anywhere Real Estate has created a large real estate brokerage, leading to concerns for major real estate portals. The merger could result in increased competition, more private listings, and potential shifts in agent recruitment and portal partnerships.
Jan 17, 2026 4:32 AM
— Housing Market
Bill proposes eliminating capital gains tax on home sales
Rep. Craig Goldman of Texas introduced the Don’t Tax the American Dream Act, a bill that would eliminate federal capital gains taxes on the sale of primary residences for homeowners who have lived in the property for at least two years. The bill aims to increase the national housing supply, reduce the tax burden on homeowners, and improve housing affordability.
Jan 17, 2026 4:31 AM
— Mortgage Lending
Compliance, Servicing, Mortgage Reset Tools; February and March Events and Education
The article discusses various updates and events in the mortgage industry, including the housing market outlook, mortgage rate cuts by the Fed, tips for Independent Mortgage Bankers to improve profitability, regulatory updates, and upcoming conferences and webinars related to mortgage lending.
Jan 17, 2026 4:31 AM
— Bond Markets
Slow Start, Quiet Calendar
The bond market experienced unexpected volatility last week, reminding investors that anything can happen. Currently, bonds are moderately weaker with 10yr yields trending towards the upper boundary of the trading range. Mortgage-backed securities are outperforming slightly, likely due to a combination of actual and expected GSE purchases. The event calendar is light, with only two reports expecte... more
Jan 17, 2026 4:31 AM
— Bond Markets
10yr Yields Finally Break The Range
Despite an absence of market movers, bonds experienced a significant breakout, with 10-year yields reaching their highest level in 4 months. There was some mid-day weakness influenced by comments from Trump, but overall losses were gradual and not tied to a specific event. Mortgage-backed securities (MBS) outperformed due to anticipated GSE MBS purchases, but still ended the week at their lows.
Jan 17, 2026 4:31 AM
— Mortgage Finance
Servicing Valuations Cut Into Banks’ Mortgage Earnings in 4Q
The article discusses various aspects of mortgage finance including design, CMS, hosting, and web development. It seems to focus on technological advancements and strategies to improve the mortgage industry.
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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.