Mortgage News
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Jul 29, 2025 12:24 PM
— Interest Rates
Mortgage Rates Moving Down Again
After staying flat for three days, average 30yr fixed rates began to move lower again on Tuesday. The bond market improved throughout the day, leading to a potential further decrease in rates for tomorrow. However, the bond market could shift in either direction tomorrow morning, with potential volatility from economic reports and the Fed announcement in the afternoon.
Jul 29, 2025 10:24 AM
— Bond Markets
Relatively Friendly Labor Market Data Adding to Overnight Gains
Bonds are trading in a boring, narrowing, sideways range overall, but saw some improvement in the morning session. Economic data showed slight declines in job openings and quits, which is seen as a positive for rates. The labor market indicator also showed a decrease in the gap between those who see jobs as plentiful vs scarce.
Jul 29, 2025 10:23 AM
— Housing Market
The U.S. median home price hit a record high—here's what it would cost you per month
Home prices in the U.S. have reached record highs, with the median price for an existing home hitting $435,300 in June. Rising prices, combined with mortgage rates above 6.5%, have made it difficult for buyers to afford homes. Limited inventory and demand from affluent buyers are keeping prices climbing, resulting in lower home sales levels. Mortgage rates are not expected to decrease significantl... more
Jul 29, 2025 9:24 AM
— Interest Rates
What the Big, Beautiful Bill means for small businesses
President Donald Trump's megabill, the One Big Beautiful Bill Act, introduced tax cuts, deductions, and adjustments for both consumers and businesses. The impact of the bill on small businesses has been described as a mixed bag, with potential benefits for growth and consumer spending but also increased pressure on interest rates due to federal debt and deficits. The bill includes deductions on ti... more
Jul 29, 2025 9:23 AM
— Mortgage Rates
Majority of rates decline as Fed set to meet | Mortgage and refinance rates for July 29, 2025
Mortgage interest rates were mostly down compared to last week, with rates for 30-year fixed, 15-year fixed, and jumbo loans decreasing, while rates for adjustable rate mortgages increased. The Federal Reserve will likely not drop its benchmark rate despite pressure from the White House. The average rates for various types of mortgages are detailed, along with tips for getting the best possible ra... more
Jul 29, 2025 8:24 AM
— Housing Market
Hedging, Borrower Experience; LOs Controlling Their Funnel; Housing and Inflation Numbers
ICE Mortgage Technology estimated that U.S. mortgage borrowers had $11.5 trillion in 'tappable' home equity in the second quarter of 2025, with refinance applications making up 40%. The housing market inventory has increased, but fewer homes have been built in the past decade compared to previous ones, leading to concerns about overpopulation. Additionally, there are record numbers of down payment... more
Jul 29, 2025 8:24 AM
— Interest Rates
Trump urgently wants Jerome Powell to cut interest rates. That won't happen this week, economists say.
President Trump requested the Federal Reserve to lower interest rates, but it's unlikely to happen at the upcoming decision. Fed Chair Powell is cautious about rate cuts due to solid economic conditions and the potential impact of tariffs on inflation. While some FOMC members believe it's time to cut rates, the chances of a rate cut are very low. Experts expect the Fed to hold off on cutting rates... more
Jul 29, 2025 3:24 AM
— Tax Fraud
How the IRS catches tax cheats: 3 ways your tax return may get flagged
The article discusses the consequences of cheating on taxes and the methods the IRS uses to monitor for tax evasion. It mentions the importance of accurately reporting income and expenses, as well as the potential red flags that could trigger IRS scrutiny, such as high business expenses or questionable deductions.
Jul 29, 2025 3:00 AM
— Home Equity Line of Credit (HELOC) Rates
HELOC rates today, July 29, 2025: Rates remain steady ahead of this week's Fed meeting
HELOC interest rates remain steady, waiting on a possible rate cut in September, according to Wall Street predictions. The average APR for a 10-year draw HELOC is 8.72%, ranging from 8.05% to 9.59%. Homeowners have a significant amount of equity in their homes. HELOC rates are different from primary mortgage rates, based on an index rate plus a margin. Shopping around for HELOC rates is crucial fo... more
Jul 29, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 29, 2025: Rates remain steady ahead of this week's Fed meeting
Mortgage rates have remained flat this week with 30-year fixed rates at 6.69% and 15-year fixed rates at 5.92%. Despite calls from President Trump to lower interest rates, the Fed is expected to keep rates steady for the time being. Refinance rates are higher than purchase rates and adjustable-rate mortgages carry their own risks. Economists do not anticipate significant drops in mortgage rates be... more
Jul 29, 2025 2:00 AM
— Interest Rates
While the Fed kept its benchmark unchanged, here's what happened to consumer borrowing rates
The Federal Reserve is expected to keep its key short-term interest rate unchanged this month. This rate affects borrowing and savings rates for consumers. Credit card rates have slightly decreased, auto loan rates have seen little movement, and mortgage rates have hovered between 6.6% to 7.1%. President Trump believes higher rates are hindering economic growth, but experts say a rate cut may not ... more
Jul 28, 2025 6:00 PM
— Housing Market
Spreading housing market softness sees this $23 billion builder offer $50k incentives per sale
The article discusses how homebuilder PulteGroup has increased its incentive spending, particularly on mortgage rate buydowns, due to housing market softening and strained affordability. The company's gross profit has been compressed, but they continue to focus on attracting priced-out homebuyers through incentives and adjusting their sales strategies accordingly.
Jul 28, 2025 1:24 PM
— Mortgage Lenders
Barry Habib on his appointment to the Fannie Mae board
Barry Habib, a mortgage industry expert, was surprised and honored to be approached by the Federal Housing Finance Agency for a role on the Fannie Mae board. Habib's placement on the board followed his criticism of Federal Reserve Chairman Jerome Powell. The article also discusses the potential impact of employment numbers on the bond market and loan costs, as well as the regulatory environment su... more
Jul 28, 2025 1:01 PM
— Bond Markets
A No Reaction Sort of Day
There were no major economic reports on Monday, but events like Treasury auctions and borrowing estimates for Q3 and Q4 were expected to potentially influence the market. However, there was no significant reaction to these events, and mortgage-backed securities and 10-year yields remained relatively stable.
Jul 28, 2025 1:00 PM
— Mortgage Rates
Mortgage Rates Hold Perfectly Flat to Start New Week
Monday in the mortgage rate world saw little movement due to the lack of major economic data. Although there were some scheduled events like Treasury auctions and borrowing estimates, the market remained mostly unaffected by these factors.
Jul 28, 2025 11:00 AM
— Housing Market
A Warning Sign: Homeownership Rate Declines to Lowest Level Since 2019
The article discusses the decline in the homeownership rate to 65% in the second quarter of 2025, which is the lowest level since late 2019. Housing affordability is at a multidecade low due to elevated mortgage interest rates and tight housing supply. Homeownership rates dropped among almost all age groups, with renters increasing and owner-occupied households declining.
Jul 28, 2025 9:00 AM
— Housing Market
Warehouse, MSR Financing, Productivity Tools; Training and Webinars; ABA Interview
The article discusses the varied impacts of weather on different regions of the United States, leading to challenges for lenders and servicers in the real estate market. It also highlights how real estate values in areas like Florida, Phoenix, and Las Vegas can be subject to significant fluctuations, affecting Loan-to-Value ratios. Moreover, it mentions the increasing share of U.S. homes being pur... more
Jul 28, 2025 9:00 AM
— Housing Market
Housing market ‘purgatory’ for existing home sales as activity falls to lowest level in 9 months
U.S. existing home sales fell sharply in June 2025 to their lowest level in nine months due to elevated mortgage rates and record-high prices. Sales declined 2.7% from May, reflecting affordability challenges. Despite weak sales, home prices reached an all-time high, leading to an affordability squeeze. Inventory is slowly rebuilding, but undersupply persists, causing price cuts. NAR chief economi... more
Jul 28, 2025 8:00 AM
— Bond Markets
Slowest Day of a Very Busy Week
Despite the announcement of a US-EU bilateral trade deal, markets have not moved significantly. 10yr yields were briefly lower but are now slightly higher, possibly due to cautiousness surrounding US/China negotiations. This week features two big Treasury auctions a day earlier than normal, along with upcoming economic data releases and a Fed announcement. Rates have stagnated around 4.5% since la... more
Jul 28, 2025 6:00 AM
— Mortgage Lending
US Housing Market Posts Worst Spring Selling Season in 13 Years
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Jul 28, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today for July 28, 2025: Rates have inched upward since last July
Current mortgage interest rates have remained somewhat flat this week, with the average 30-year fixed mortgage rate being 6.68% and the average 15-year fixed mortgage rate being 5.91%. Rates have increased since the previous year despite expectations of a decrease. To lock in a mortgage, one should focus on the timing rather than following interest rate trends. Factors like property taxes, homeown... more
Jul 27, 2025 10:00 AM
— Mortgage Security
Waiting for mortgage rates to fall before buying a home? Here's why you shouldn't
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Jul 26, 2025 10:00 AM
— Tax Law Changes Impacting Mortgages
Trump's 'Big, Beautiful Bill': Here's When Key Tax Laws Go Into Effect
The article discusses the recent tax law changes signed by President Donald Trump, including provisions such as an expanded child tax credit, increased SALT deduction, deduction for auto loan interest, bonus deductions for seniors and service workers, reduced income tax rates, changes to health care subsidies and qualifications for health savings accounts. The article also mentions clean energy ta... more
Jul 26, 2025 8:24 AM
— Tax Deductions and Mortgage Implications
Trump's New Car Loan Interest Deduction — Here's How To Qualify For A Tax Break
A new tax break allows car buyers to deduct up to $10,000 in auto loan interest annually from their federal income taxes. This deduction is in effect for new cars purchased from 2025 through 2028, part of legislation signed into law by President Trump. The tax break has income-based limits and begins to phase out for higher income households. Buyers can combine this deduction with the expiring ele... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 750 lenders. LoanGlass 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@loanglass.com.
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 750 lenders. LoanGlass 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@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.