Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 1321 - 1344 of 4274 results
Dec 15, 2025 9:32 AM
— Housing Market
Part 1: Current State of the Housing Market; Overview for mid-December 2025
The article discusses the current state of the housing market as of mid-December 2025.
Dec 15, 2025 9:31 AM
— Holiday Spending and Financial Planning
When did Christmas cheer get so pushy? How to get offline and save your money |
Many people are feeling financial strain during the holidays, with a significant percentage planning to spend less. Social media plays a big role in influencing spending habits, with many feeling pressured to buy due to FOMO. Younger clients are spending impulsively on small luxuries to cope with financial stress, often using credit cards or buy now, pay later services. Advice is given on how to b... more
Dec 15, 2025 8:46 AM
— Mortgage Rates
Mortgage Rates Inch Up to Start Week | Today, December 15, 2025
The article discusses how mortgage rates have risen slightly but remain below 6.3%. It mentions the importance of refinancing or tapping into home equity. It also provides information on different types of mortgage rates and their historical averages. Economic indicators and Federal Reserve commentary hint at possible changes in mortgage rates. Fannie Mae and MBA have forecasts for mortgage rates ... more
Dec 15, 2025 8:31 AM
— Housing Market
Fewer Americans Expect Financial Improvement In 2026, Survey Finds
Bankrate's recent Financial Outlook Survey found that 32% of Americans believe their personal finances will worsen in 2026, citing reasons such as continued high inflation, work done by elected representatives, stagnant or reduced incomes, and amount of debt. As a result, many are prioritizing goals of paying down debt, saving money for emergencies, and finding additional sources of income. The su... more
Dec 15, 2025 8:30 AM
— Mortgage Lenders
Hedging Auditor, Broker Survey, Non-QM, DSCR Products; Rising Insurance Costs
The article discusses various updates, enhancements, and strategies in the mortgage industry, including the introduction of powerful workflow queues for special servicing management, automation gains in technology, the rise in home insurance costs, the launch of a new DSCR loan by Rocket Pro, and an upcoming webinar focused on non-QM opportunities in 2026.
Dec 15, 2025 8:30 AM
— Mortgage Lenders
Shop for deals as rates rise: Mortgage lenders with the best rates this week, Dec. 15, 2025
The top three mortgage lenders with the lowest rates this week are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union. Despite a short-term interest rate cut by the Federal Reserve, mortgage rates increased slightly. The importance of shopping around for rates is emphasized to save money over the life of the loan.
Dec 15, 2025 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today for December 15, 2025: Not much movement since the end of October
Mortgage rates remain stable, with the 30-year fixed rate at 6.13% and the 15-year fixed rate at 5.53%. The Federal Reserve cut interest rates, but mortgage rates stayed constant. Refinance rates are slightly higher than rates when purchasing a house. Adjustable rates have occasionally been similar to or higher than fixed rates. Mortgage lenders give the lowest rates to those with higher down paym... more
Dec 15, 2025 7:19 AM
— Mortgage Rates
Is now the right time to refinance a mortgage?
Realtor.com senior economist Jake Krimmel explains that while the Federal Reserve has cut interest rates, mortgage rates may not necessarily fall. Refinancing only makes sense if the new rate is significantly lower than the current rate, usually between 0.5 to 1 percentage point. Most homeowners currently have mortgage rates below current market rates, making refinancing not worthwhile for many. I... more
Dec 15, 2025 6:32 AM
— Housing Market
Can policymakers solve the housing affordability crisis in 2026?
The 2026 housing market faces persistent affordability issues, with various scenarios proposed to return to previous affordability levels. Despite challenges, an increase in HELOC and home equity loan activity offers opportunities. Mortgage credit has remained tight since the Dodd-Frank Act, with potential for modest loosening. Supply constraints and geographic nuances complicate affordability sol... more
Dec 15, 2025 6:30 AM
— Bond Markets
Welcoming Back Timelier BLS Data
The Bureau of Labor Statistics is releasing important economic reports to the bond market this week, including the Employment Situation (NFP) and Consumer Price Index (CPI). This data, along with October's retail sales data, could impact the market through the 2nd week of January. Depending on the results, there could be either a range breakout or a retreat in yields.
Dec 15, 2025 6:30 AM
— Mortgage Lenders
What can we expect to happen to mortgage rates in the New Year?
Experts predict that mortgage rates will fall in 2026, likely averaging between 5.90% and 6.30%. This decrease may help more people afford homeownership, especially with stronger income growth. However, the lack of middle-income housing stock remains a challenge. Various lenders, such as Better, Chase Bank, and Rocket Mortgage, offer options for first-time homebuyers seeking lower rates and in-per... more
Dec 15, 2025 4:36 AM
— Mortgage Applications
Mortgage Applications Decrease in Latest MBA Weekly Survey
Mortgage applications decreased by 5.0% from the previous week, despite slight declines in mortgage rates. The Refinance Index decreased by 6%, while the Purchase Index decreased by 4%. The refinance share of mortgage activity increased slightly, and overall market volume fell, with expectations for continued modest growth in home sales in 2026.
Dec 15, 2025 4:34 AM
— Housing Market
Unemployment rate spikes, showing labor market vulnerabilities
The unemployment rate rose to 4.6% in November, with 64,000 jobs added. Job losses in October were attributed to the federal workforce reduction. The rise in unemployment is seen as significant by the Mortgage Bankers Association. Housing industry experts predict increased home sales activity and mortgage loan production in 2026 due to lower mortgage rates resulting from economic headwinds.
Dec 14, 2025 3:30 PM
— Housing Market
A 'new era' in the housing market is about to begin as affordability finally improves 'for the first time in a bunch of years,' economist says
Chief economist Mike Simonsen predicts a shift in the housing market next year, with home prices becoming more favorable for buyers. This is expected to increase sales while keeping prices in check. Sellers are also offering discounts as demand remains muted, leading to more affordable options for buyers.
Dec 14, 2025 3:30 PM
— Mortgage Rates
Powell: 'housing market faces some really significant challenges' that a 25 bps rate cut won’t resolve
Lennar Investor Marketplace offers rental-ready new homes with modern features included in the base price. Fed Chair Jerome Powell acknowledges the U.S. housing market faces challenges due to low housing supply and a structural shortage, despite recent rate cuts not improving affordability. Mortgage rates have declined slightly, but significant shifts may require a weakening labor market and poten... more
Dec 14, 2025 5:30 AM
— Housing Market
Why housing’s ‘unaffordable situation’ is so persistent
High home prices and elevated mortgage rates are preventing first-time buyers from entering the housing market, despite an increase in new home inventory. Analyst John Burns predicts that the housing market is moving towards balance with more resale listings and new home supply. The total housing supply shortage may not be as severe as previously thought, with a net deficit of around 1.1 million h... more
Dec 14, 2025 4:32 AM
— Privacy and Data Security
Schedule for Week of December 14, 2025
The article discusses the importance of protecting personal information and provides information on how individuals can opt out of having their personal information sold by companies.
Dec 14, 2025 4:30 AM
— Seller Financing
Wealthy home sellers are acting as the bank for their buyer
Carson Austin was struggling to sell his home due to high mortgage rates until he offered seller financing with a below-market interest rate, which quickly attracted a buyer. Seller financing has regained popularity due to high mortgage rates, providing benefits for both buyers and sellers, especially in higher-end home sales. However, the practice can be risky without proper protection and remain... more
Dec 14, 2025 4:30 AM
— Housing Market
Weekly housing demand reaches multiyear high
Housing demand is at a four-year high due to steady mortgage rates and improved purchase application data. Inventory growth has decreased significantly, dropping from 33% to 13.6% heading into 2026.
Dec 13, 2025 10:33 AM
— Mortgage Lending
CFPB's ECOA proposal raises alarms for women
The CFPB is proposing changes to ECOA rules that could limit credit access for underserved groups, with industry leaders warning it could hurt women's ability to get a mortgage loan in their own name. The proposal would remove recognition of 'disparate impact' claims, allowing borrowers to challenge policies that disproportionately harm certain groups.
Dec 13, 2025 7:30 AM
— Mortgage Lenders
Credit score rules are changing for mortgages in 2026 — here’s what’s different
The minimum credit score requirements for buying a house have been broadened to include a wider range of borrowers. Fannie Mae eliminated its minimum credit score requirement in 2025 and now uses a broader set of factors to assess risk. New scoring models like VantageScore 4.0 and FICO 10T that incorporate trended data and alternative credit information will be implemented in the mortgage lending ... more
Dec 13, 2025 4:35 AM
— Mortgage Lending
Dec. 12: LO jobs; “correspondent in a box;” STRATMOR & borrower psychology; homebuyer assistance question; Philly & Baltimore… uh oh
Investors in the Philly market are either pricing themselves out or ceasing loans due to issues in Baltimore, where 70% of homes financed by Roc Capital through Loan Funder LLC are now in foreclosure. Meanwhile, service providers like ServiceLink are celebrating recognition in the industry, and initiatives like Correspondent-in-a-Box powered by Black Lake are offering solutions for correspondent l... more
Dec 13, 2025 4:32 AM
— Mortgage Rates
30-year mortgage rates unchanged after the Fed announced cutting rates | Today's mortgage and refinance rates, December 12, 2025
Mortgage rates remained stable with minimal movement, despite the Federal Reserve lowering interest rates. The path of mortgage rates will depend on factors such as inflation, the economy, and 10-year Treasury rates. The average rates for different mortgage products have slightly fluctuated over the last week. ARMs have floating interest rates and are best for those who expect to sell or refinance... more
Dec 13, 2025 4:31 AM
— Bond Markets
Choose Your Own Market Movement Adventure.
There is a noticeable divergence between long and short term bonds since the Fed announcement. Shorter-term yields are being kept low due to the Fed rate cut outlook, while longer-term yields are increasing. Traders are concerned that the labor market may not be deteriorating fast enough to warrant the rate cut.
DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass 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 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.