Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 169 - 192 of 3072 results
Dec 12, 2025 7:30 AM
— Mortgage Rates
What are today's mortgage interest rates: December 12, 2025?
The article discusses the final Federal Reserve meeting of 2025, where the final interest rate cut of the year was issued. Mortgage interest rates are gradually declining, with rates on 30-year and 15-year mortgages currently below 6%. Homeowners and buyers are encouraged to shop around for lower rates but should consider closing costs when refinancing.
Dec 12, 2025 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 12, 2025: Rates remain well below the 52-week average
Mortgage rates are just slightly above 2025 lows according to Freddie Mac and Zillow data. The 30-year fixed rates are around 6.22%, while the 15-year fixed rates are at 5.54%. Refinance rates are similar, but slightly higher. Fixed-rate mortgages ensure a set rate for the loan's life, while adjustable-rate mortgages have a changing rate after a designated period.
Dec 12, 2025 7:30 AM
— Mortgage Rates
Mortgage lenders with the best rates this week, Dec. 8-14, 2025
The top three mortgage lenders with the lowest mortgage rates this week are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, ranked by annual percentage rate (APR). Lenders were ranked based on the lowest mortgage rates on 30-year, fixed-rate conventional loans. Shopping around for mortgage rates is crucial to finding the best deal and can save borrowers significant amounts of mo... more
Dec 12, 2025 6:32 AM
— Mortgage Security Measures
Most homebuyers lose thousands by not shopping mortgage rates
The article discusses the importance of verifying one's identity by completing a human verification action before accessing certain online services to prevent bots and fraudulent activities.
Dec 12, 2025 5:32 AM
— Housing Market
2nd Look at Local Housing Markets in November
The article discusses the 2nd look at local housing markets in November, as featured in the Calculated Risk Real Estate Newsletter.
Dec 12, 2025 5:32 AM
— Reverse Mortgages
HECM Loan Limits: What They Are and How They Work in 2025
A Home Equity Conversion Mortgage (HECM) allows homeowners 62 and older to borrow against their home equity without making monthly mortgage payments. Each year, the Federal Housing Administration (FHA) sets a maximum loan limit for these reverse mortgages. The 2026 HECM loan limit is $1,249,125, and it's tied to shifts in national home prices. A higher limit means more home value can be included i... more
Dec 12, 2025 4:34 AM
— Mortgage Lenders
Judge consolidates RESPA lawsuits against Zillow in Seattle court
Two RESPA lawsuits against Zillow alleging steering, kickbacks, and inflated costs in their programs have been merged by a Seattle judge to improve efficiency and fairness to all parties involved.
Dec 12, 2025 4:34 AM
— Mortgage Lending
Fannie Mae broadens ADU, manufactured home eligibility
The article discusses the importance of verifying human identity through actions like CAPTCHA to prevent bots or automated programs from accessing websites. It emphasizes the need to protect websites from spam and other malicious activities.
Dec 12, 2025 4:33 AM
— Mortgage Lenders
Fannie Mae overhauls renovation lending, expands ADU eligibility
Fannie Mae announced updates to its Single-Family Selling Guide, introducing a new energy efficiency loan program called HomeStyle Refresh, expanding eligibility for ADUs, and making enhancements to the HomeStyle Renovation product. The changes aim to modernize housing stock, increase affordable inventory, and support flexible, resilient, and sustainable housing options.
Dec 12, 2025 4:32 AM
— Housing Market
Private health insurance costs are going up. A complete guide to your coverage options
Private health insurance premiums are expected to rise sharply in 2026 due to escalating health care costs and the expiration of enhanced premium tax credits. This could lead to millions losing subsidies and becoming uninsured. Strategies to manage costs include assessing personal health and financial situations and working with a broker to find the best plan. ACA Marketplace plans are recommended... more
Dec 12, 2025 4:31 AM
— Mortgage Lenders
Mortgage Rates Today: December 12, 2025 – 30-Year Rates Down, 15-Year Rates Steady
The article is very short and provides no specific information. It simply encourages readers to contact the company for further information.
Dec 12, 2025 4:30 AM
— Housing Market
Home prices go negative for the first time in over 2 years — and may stay that way for a while
Home prices have slightly decreased compared to last year, with a 1.4% decrease in the last three months. The drop in prices is attributed to the sharp increase in mortgage rates in 2022 and 2023, creating an affordability shock that led to lowered demand and increased inventory. While inventory remains low historically, it has increased slightly from previous years. Some markets have seen more si... more
Dec 11, 2025 6:32 PM
— Mortgage Technology
ACES Makes New Data Export Tool Generally Available
ACES Quality Management has released a new tool, ACES DATABRIDGE, which allows financial institutions to extract, manage, and report on their ACES data using their own tools and environments. This tool gives clients more control over their data and enables secure and configurable data exports into client-controlled data warehouses.
Dec 11, 2025 6:32 PM
— Mortgage Lenders
FirstClose Enhances its OMS With Home Equity Fulfillment Capabilities from Stewart
FirstClose has partnered with Stewart Lender Services to enhance its order management system, providing users with integrated access to home equity title, valuation, and closing solutions. This partnership aims to streamline ordering and fulfillment processes, reduce manual steps, accelerate decision-making, and improve borrower experiences.
Dec 11, 2025 6:31 PM
— Delinquency Rates
Metros exhibit pockets of stress amid stable mortgage delinquency rates
The national mortgage delinquency rate remained low and unchanged from a year ago in September. However, serious delinquencies and foreclosure rates saw slight increases. Data shows a trend of borrowers struggling to catch up once they fall behind on payments, contributing to challenges for delinquent borrowers. Arizona, Nevada, and Georgia saw the largest annual increases in delinquency rates, wi... more
Dec 11, 2025 5:32 PM
— Mortgage Rates
Friday: No major economic releases scheduled.
On Friday, there were no major economic releases scheduled. Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios.
Dec 11, 2025 2:32 PM
— Mortgage Rates
Mortgage Rates Increased Slightly This Week But Fed Rate Cut Helps
Mortgage rates slightly increased this week, with the average rate for a 30-year fixed-rate at 6.22%. The rate for a 15-year fixed-rate mortgage also rose, but both are below the year-to-date average. Despite minimal changes, rates have remained stable for over a month, providing predictability and confidence in the market. The recent rate cuts by the Fed have helped keep borrowing costs low, but ... more
Dec 11, 2025 2:31 PM
— Interest Rates
Fed’s uncertain interest rate path highlights dilemma of data dependence
The Federal Reserve recently reduced the federal funds rate by 0.25%, even without complete government data due to the shutdown. The Fed believes that negative job growth is a bigger risk than inflation. Although mortgage rates are currently stuck, the Fed's decisions will impact them slightly in the future. Mortgage rates are projected to stay in the low-6% range until 2026. Concerns are emerging... more
Dec 11, 2025 2:31 PM
— Mortgage Rates
Mortgage rates tick higher but remain near 2025 lows
EV wiring, solar-ready roofs, and stricter insulation rules are contributing to higher home construction costs. Freddie Mac reported that the average rate on the benchmark 30-year fixed mortgage increased to 6.22% from the previous week. The average rate on a 30-year loan was 6.6% a year ago. The Federal Reserve recently lowered the benchmark interest rate, but mortgage rates are not directly affe... more
Dec 11, 2025 1:31 PM
— Mortgage Rates
Rate shopping could save borrowers over $1,100 a year
The article reports that 70% of U.S. home purchasers do not shop mortgage lenders for a lower rate, potentially costing them up to 50 basis points in higher payments. It also discusses changes in mortgage rates, mortgage debt-to-income ratios, high-risk markets, national median payments, and the potential drawbacks of a 50-year mortgage.
Dec 11, 2025 1:31 PM
— Mortgage Finance
Researchers See Predictive Power in MBS Prices
The article discusses the latest trends and insights in the mortgage market, focusing on factors such as interest rates, housing market conditions, and mortgage lender activity.
Dec 11, 2025 1:30 PM
— Bond Markets
Two-Way Trading But Not Much Day-Over-Day Movement
Bonds started the day strong but weakened after the NYSE open, ending the day relatively unchanged. The day did not witness any significant events, with December 16th expected to be the only other notable trading day of the year. Mortgage-backed securities (MBS) and 10-year yields fluctuated throughout the day.
Dec 11, 2025 12:30 PM
— Interest Rates
Mortgage Rates Hit Lowest Levels of The Week
Following a Fed day, the bond market moved towards lower rates, a welcome change from previous days. The average lender is currently in the middle of the range over the past 3 months and experiencing the lowest levels since last Thursday.
Dec 11, 2025 11:32 AM
— Mortgage Rates
Mortgage Rates: The New Normal
The article discusses the current state of mortgage rates and refers to them as the 'New Normal.' It likely offers insights or analysis on the stability or trend of mortgage rates in the housing market.
DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
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.