Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 1969 - 1992 of 3027 results
Jul 20, 2025 2:00 PM
— Housing Market
Top economist sounds the alarm even louder on the housing market and says homebuilders are ‘giving up’
Moody's Analytics chief economist Mark Zandi warns that the housing market outlook is rapidly deteriorating, with home sales, homebuilding, and prices set to slump unless mortgage rates drop significantly from their current near 7%. Existing home sales rose in May but marked the slowest sales pace for any May since 2009. Sales of new single-family homes and housing starts have decreased as well. H... more
Jul 20, 2025 2:00 PM
— Housing Market
Top economist sounds the alarm even louder on the housing market and says homebuilders are 'giving up'
Moody's Analytics chief economist Mark Zandi warns that the housing market is weakening and will likely become a significant drag on overall economic growth. Home sales, homebuilding, and house prices are all expected to decline unless mortgage rates drop significantly from their current near 7% level, which seems unlikely. Builders are cutting prices, and increased supply is putting further press... more
Jul 20, 2025 3:25 AM
— Taxation of Retirement Income
13 States That Don’t Tax Your Retirement Income
The article discusses how different states tax retirement income, with some states not taxing retirement income at all. It highlights states like Illinois, Iowa, Mississippi, and Pennsylvania that do not tax retirement income, as well as states that do not tax Social Security benefits for retirees. The article also emphasizes the importance of understanding the tax implications of living in a stat... more
Jul 20, 2025 3:24 AM
— Mortgage Rates
Mortgage Rate Variability Index
The Mortgage Rate Variability Index currently reads 4 out of 10, indicating steady mortgage rate trends in recent weeks. The average 30-year mortgage rate has been between 6.72 percent and 6.95 percent since late February 2025, a significant difference from rates in 2020 and 2021 or 2022 and 2023. The index considers four key factors to determine variability in mortgage rates.
Jul 20, 2025 3:01 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, July 20, 2025: Home equity line of credit rates are unchanged, remaining under 9%
The article discusses how the HELOC interest rate has remained stable recently, making it a good option to access a home's cash value. It explains the current average APR rate for a HELOC and emphasizes the importance of shopping around for the best rates and terms. The article also highlights the benefits of maintaining a low-rate primary mortgage while utilizing a HELOC for various needs.
Jul 20, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 20, 2025: Economists expect rates to stay high
The article discusses the current mortgage rates in the market, indicating that even though there are fluctuations, the changes are relatively small. It mentions the average rates for 30-year fixed mortgages, 20-year fixed mortgages, and 15-year fixed mortgages. The Mortgage Bankers Association's forecast suggests a slight decrease in rates by the end of the year. It also provides information on m... more
Jul 19, 2025 7:00 AM
— Mortgage Finance
NAR Economist Forecasts Growth in Home Sales in 2026 (IMF)
NAR Economist Lawrence Yun predicts a 14% growth in home sales in 2026 if mortgage interest rates drop to 6%. However, economists at Fannie Mae and MBA have recently revised their expectations for mortgage rate decreases.
Jul 19, 2025 4:00 AM
— Mortgage Rates
Why Lower Mortgage Rates May Not Make Buying a Home More Affordable
The housing market is currently experiencing high mortgage rates, which are making homes unaffordable for many buyers. While lower mortgage rates could potentially lead to more buyers entering the market, it is uncertain whether they will actually lower home prices. Lower rates may increase demand first, especially among millennials, but if rates drop low enough, more sellers might enter the marke... more
Jul 19, 2025 4:00 AM
— Mortgage Finance
Sagging Home Prices Threaten Some Mortgage Markets
The article discusses the latest trends in the mortgage lending industry, focusing on how mortgage lenders are adapting to changing market conditions. It highlights the importance of staying competitive in the market and leveraging technology to streamline processes and improve customer experience.
Jul 19, 2025 3:01 AM
— Mortgage Rates
Single-family construction is getting worse due to rates
The article discusses how Federal Reserve policy is too restrictive for housing production to grow, impacting the fight against inflation. Despite cooling mortgage rates, a policy standstill is keeping them elevated. The data shows that single-family construction is not improving and in fact, getting worse.
Jul 19, 2025 3:01 AM
— Mortgage Processing
Single-Family Home Construction Dips as Builders Admit Making Price Cuts To Spur Sales
The article states that the request could not be processed and provides a reference ID for further assistance.
Jul 19, 2025 3:01 AM
— Interest Rates
Trump Vs. Powell: How Investors Could Come Out As Big Losers In Fed Fight
President Donald Trump is pushing for lower interest rates, but Federal Reserve Chair Jerome Powell is hesitant due to inflation concerns. Trump's introduction of global tariffs and increased deficit spending are expected to raise inflation levels. Powell and the Fed are prioritizing stable prices and maximum employment over Trump's demands for lower rates. Investors are concerned that if interest... more
Jul 19, 2025 3:01 AM
— Mortgage Technology
Broker, Warehouse, Valuation Tools; loanDepot's LO Comp Lawsuit; MBA's MAA Campaign
The article discusses the use of AI in various industries such as airline ticket pricing, social media, and deepfake protection. It also highlights the importance of user-friendly mortgage technology for lenders and brokers to increase adoption rates. Additionally, it includes information about upcoming conferences, product offerings, and partnerships in the mortgage industry.
Jul 19, 2025 3:01 AM
— Housing Market
Builder Outlook Ticks Up Despite More Price Cuts and Less Buyer Traffic
The National Association of Homebuilders (NAHB) and Wells Fargo's latest Housing Market Index (HMI) shows that builders are placing their hopes on the future, as builder confidence rose slightly but remained below the key threshold of 50. Factors like high mortgage rates, construction costs, and affordability challenges are still weighing on builders. Many builders are offering price reductions an... more
Jul 19, 2025 3:01 AM
— Bond Markets
Slow Green Friday
At the end of the week, the market is experiencing stability with only minor economic reports like Consumer Sentiment and residential construction numbers. Bonds were green overnight and remain positive as we head into the afternoon. Overall, the market is unchanged for the week.
Jul 19, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 19, 2025: Fixed mortgage rates see marginal changes
Today's mortgage interest rates have shifted slightly, with the 30-year fixed mortgage rate sitting at 6.72% and the 15-year fixed rate at 5.97%. It could be wise to lock in an interest rate while rates are flat, and there are options like rate buydown programs. Mortgage rates are higher for refinancing than for buying a house. The article also discusses the pros and cons of different mortgage ter... more
Jul 18, 2025 3:00 PM
— Mortgage Lending
Housing Market Sends Mixed Signals as Inflation and Mortgage Rates Inch Up
The article discusses a processing issue with a request for an unidentified service. It provides a reference ID for further assistance.
Jul 18, 2025 2:01 PM
— Bond Markets
Needle Threaded. Now What?
This week there were potential high-impact events such as the CPI data and Trump/Powell headlines that could have caused big moves in bonds/rates, but the actual impact varied. Ultimately, the market ended the week almost unchanged from the previous week.
Jul 18, 2025 2:01 PM
— Mortgage Rates
Mortgage Rates Barely Budge Today and This Week
Despite the potential for a big reaction to inflation data, mortgage rates managed to hold flat overall for the week. Friday saw a small decrease in rates, but overall, things remained relatively stable. There was no decisive momentum from the week's events, and it is unlikely that there will be another significant reaction until the first week of August.
Jul 18, 2025 12:01 PM
— Mortgage Rates
Rising Rates Hit Mortgage Apps, But Pace Remains Better Than 2024
Mortgage application activity decreased significantly last week due to higher rates, with the Composite Index falling 10.0% on a seasonally adjusted basis. Refinance applications fell by 7% from the previous week, but are still higher compared to a year ago. Purchase applications also dropped by 12%, reaching their lowest level since May.
Jul 18, 2025 12:00 PM
— Mortgage Lenders
Wells Fargo sued for not disclosing fees during loan origination
A California borrower is suing Wells Fargo for concealing over a decade that it improperly charged certain origination-related fees. The lawsuit claims that when customers accepted lower rates, the lender reduced or eliminated its originators' compensation.
Jul 18, 2025 11:00 AM
— Interest Rates
What a Trump, Powell faceoff means for your money
Tensions between the White House and the Federal Reserve have escalated, with President Trump criticizing the central bank for not lowering interest rates. Trump argues that high rates are harming the housing market and putting the US at a disadvantage. The Fed has held off on rate cuts due to uncertainties and inflation risks posed by trade policies. Market pricing suggests no rate cut in July, w... more
Jul 18, 2025 10:00 AM
— Mortgage Finance
MBA Purchase Index Up Against Weak Prior Year
The article discusses the latest trends in the housing market, including an increase in mortgage rates and how it is affecting homebuyers. It highlights the impact of rising interest rates on the affordability of homes and the decision-making process for potential buyers.
Jul 18, 2025 10:00 AM
— Mortgage Lenders
FHFA's Vantagescore move changes math on mortgage insurance
The article discusses the potential adoption of VantageScore 4.0 by conforming mortgage lenders, highlighting concerns about infrastructure and policy alignment. The move introduces competition in credit scoring but also brings about challenges regarding implementation.
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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.