Mortgage News
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Jun 16, 2025 8:00 AM
— Mortgage Rates
Today's Mortgage Rates for June 16, 2025: Mortgage Rates Remain Mostly Steady Before Fed Decision
Mortgage rates are hovering close to 7%, making it unaffordable for most people to buy a home. Homeownership expenses are rising, and households are struggling to keep up due to stagnant incomes. The housing market is influenced by economic factors such as inflation, trade policies, and recession fears as the Fed maintains its current borrowing costs. There are expectations of some relief for home... more
Jun 16, 2025 7:00 AM
— Bond Markets
Slow Start Leaves Focus on The Next 2 Days
Bonds rallied last Wednesday and Thursday but pulled back slightly on Friday. Trading levels at the start of the new week are similar to Friday's levels. The focus is on Wednesday's Fed dot plot for potential bond market volatility. Geopolitical headlines have not had a significant impact on bonds. The overall trend appears rangebound, but there is evidence of a general downtrend.
Jun 16, 2025 7:00 AM
— Mortgage Lenders
DOJ quietly axes more redlining settlements with lenders
The Trump administration is working to reduce Biden-era redlining enforcement. Interest rates do not expect to change soon. A meeting between federal housing agencies, treasury, and the SEC was publicized. Regulators say a Mississippi-based depository satisfied a settlement with the Biden administration. The top five lenders had an average mortgage origination volume of over $43 billion.
Jun 16, 2025 5:04 AM
— Mortgage Finance
Signs of Life in Warehouse Lending, But No Boom
The article discusses the latest trends in the housing market and the impact of changing interest rates on mortgage lending. It highlights the importance of staying informed about market conditions for individuals looking to purchase a home or refinance their current mortgage.
Jun 16, 2025 3:01 AM
— Economic Impact of Tariffs
Survey: The Majority Of Americans Believe Tariffs Will Worsen Their Personal Finances
Despite some improvements in inflation and borrowing costs since Trump's election, Americans still feel poorly about the U.S. economy. More than half believe it is headed in the wrong direction, with most expressing concerns about tariffs. The sentiment is divided along party lines, with Republicans more optimistic than Democrats and Independents. Younger generations are more pessimistic about the... more
Jun 16, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today for June 16, 2025: A tiny move lower (The 15-year down to 5.98%)
The article discusses the current mortgage interest rates, the upcoming decision by the Federal Reserve on short-term interest rates, and provides information on different mortgage options such as fixed and adjustable rates, as well as the impact of mortgage refinance. It advises on factors to consider when deciding on a mortgage term and rate, as well as how to potentially lower interest rates th... more
Jun 16, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 15, 2025: Rates hardly move
The article discusses current mortgage rates, mortgage refinance rates, different types of mortgages, the impact of mortgage terms on monthly payments and the importance of factors like credit score, down payment, and debt-to-income ratio in determining mortgage rates. It also provides information on choosing the right lender, the difference between fixed-rate and adjustable-rate mortgages, and ho... more
Jun 15, 2025 7:00 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, June 15, 2025: A small move up for interest rates on home equity lines of credit (to 6.73%)
HELOC interest rates remained relatively stable as homeowners are looking to access the growing value tied up in their homes through second mortgages like a home equity line of credit (HELOC) or a home equity loan. Rates vary from lender to lender, but the best HELOC lenders offer low fees and a fixed-rate option to provide financial flexibility. Homeowners with low primary mortgage rates are in a... more
Jun 15, 2025 6:00 AM
— Interest Rates
'It makes sense to be on hold': Why Wall Street strategists think Fed rate cuts aren't coming anytime soon
The article discusses how recent economic data, including inflation moderation and rebounding consumer sentiment, support the Federal Reserve's path towards easing interest rates. However, there is uncertainty regarding the scope and impact of President Trump's tariffs, which could affect the Fed's decision on rate cuts. Market observers are increasingly confident that rate relief is imminent, wit... more
Jun 15, 2025 6:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 14, 2025: Small increases as international tensions roil markets
Mortgage rates took a small step higher, with 30-year fixed rate now at 6.72% and 15-year fixed rate at 5.96%. The uncertainty in the market, with Israeli strikes on Iran affecting Wall Street, led to an increase in Treasury yields. The article explains the pros and cons of different mortgage options like 30-year fixed, 15-year fixed, and adjustable-rate mortgages. It also discusses the current st... more
Jun 15, 2025 5:00 AM
— Housing Market
Elevated mortgage rates aren’t discouraging homebuyers
Despite factors like elevated mortgage rates, trade war uncertainty, rising property taxes, and low consumer confidence, housing demand continues to hold up and home sales are not crashing in 2025. Purchase application data is up 20% year over year, indicating market momentum.
Jun 14, 2025 6:02 AM
— Bond Markets
Not Reading Too Much Into Friday's Weakness
The bond market experienced a selling spree possibly sparked by Consumer Sentiment, although there were nuances in the timing and reasons behind the selling. Selling began after the unofficial opening bell for bond market trading and continued despite a delay after the data release. Traders may be moving to the sidelines ahead of next week's potential geopolitical developments and Fed announcement... more
Jun 14, 2025 5:01 AM
— Mortgage Lending
Buyer-Friendly Housing Market Gets a Boost With a Dip in Mortgage Rates
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Jun 13, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Bounce But Remain Lower on The Week
The top tier 30yr fixed mortgage rate index rose 0.04% on Friday, but rates are still 0.08% lower than last Friday overall. The increase was not directly related to any specific economic data but rather a general market adjustment.
Jun 13, 2025 12:00 PM
— Mortgage Lenders
2nd Lien Reverse, Borrower Aid, Legal Counsel Products; FHA, USDA, VA Changes; FBC Rebrand
The article discusses various topics related to mortgage lending, including the impact of federal funding on state revenue, legal services for mortgage companies, technology solutions for mortgage lenders, strategies for retaining leads, retirement savings, reverse mortgages, and updates on industry news.
Jun 13, 2025 10:00 AM
— Mortgage Application Activity
Purchase Demand Near 2 Year Highs; Refis Bounce Back
After a lull following Memorial Day, mortgage application activity increased significantly, with both purchase and refinance demand reaching their highest levels in over a month. Refinance applications jumped 16% and are now 28% higher than the same period last year, while purchase apps rose 10% week-over-week and are 20% above 2024 levels. Rates were mostly mixed, with the average 30-year fixed r... more
Jun 13, 2025 10:00 AM
— Mortgage Rates
Mortgage rates tick lower for second week in a row
Mortgage rates in the U.S. have declined slightly but are still hovering around 7%. Despite this, U.S. home listing prices have reached an all-time high, leading to a surplus of sellers and a potential shift towards a buyers' market in the coming months.
Jun 13, 2025 9:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 13, 2025: Rates inch down
Mortgage rates were virtually unchanged this week, with the 30-year fixed interest rate at 6.84% and the 15-year fixed rate at 5.97%. Some uncertainty surrounds the Federal Reserve's upcoming meeting, where they are expected to keep short-term interest rates unchanged. The article also discusses how mortgage rates impact monthly payments, the difference between fixed and adjustable-rate mortgages,... more
Jun 13, 2025 7:00 AM
— Bond Markets
Opening Weaker Despite Israel/Iran Headlines
Israel's attack on Iran caused stock market gains to be erased and pushed bond yields to the lowest levels in over a month. The overnight trading pattern is unpredictable and despite the volatility, over-analyzing it may not be worth it. There are various factors at play influencing bond yields, including economic strength and inflation, with oil prices potentially being an ancillary consideration... more
Jun 13, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, June 13, 2025: Rates inch down — but just barely
Mortgage rates remained steady, with the 30-year fixed rate at 6.84% and the 15-year fixed rate at 5.97%. President Trump expressed dissatisfaction with the Federal Reserve maintaining current rates. Refinance rates are slightly higher than purchase rates, with the 30-year fixed refinancing at 6.81%. Mortgage rates are expected to remain stable through the third quarter of 2025.
Jun 13, 2025 2:00 AM
— Mortgage Lending
In today’s mixed-signal mortgage market, getting a rate hold is a smart move
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Jun 12, 2025 1:01 PM
— Mortgage Rates
Lowest Mortgage Rates in More Than a Month
Mortgage rates are currently slightly lower, with today's average rate being the lowest in just over a month. The decrease in rates is due to the underlying bond market's response to recent economic data, leading to speculation about a potential rate cut by the Fed. However, even if the Fed were to cut rates, it may not necessarily translate to lower mortgage rates as they are based on longer-dura... more
Jun 12, 2025 1:01 PM
— Mortgage Rates
Mortgage rates are stuck in a rut. What could break them out?
Leading fixed mortgage rates have remained stable for the past three months, with potential for change depending on catalysts like trade breakthroughs, inflation, war, or deficit panic. While the market is currently quiet, there was a slight drop in the lowest insured 10-year fixed rate. Despite warnings of a bond market collapse, it is rare for a 10-year fixed mortgage to save more money than a s... more
Jun 12, 2025 1:00 PM
— Mortgage Lenders
Mortgage Closing Costs by State as Rates Hover Near 7%
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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.