Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Dec 15, 2025 4:30 PM
— Mortgage Rates
Mortgage Rates Stable After Fed Rate Cut
The webpage discussing stability in mortgage rates after a Fed rate cut is currently unavailable.
Dec 15, 2025 3:30 PM
— Mortgage Lending
Fannie and Freddie Are Stockpiling Billions in Mortgages, Which May Push Rates Lower
The article is about a failed request to process a certain request related to real estate. The reader is instructed to contact a specific email address if the issue persists.
Dec 15, 2025 12:31 PM
— Mortgage Rates
30-year mortgage rates rise after the Fed rate cut | Today's mortgage and refinance rates, December 15, 2025
Average mortgage rates were mostly higher, with 30-year fixed, 15-year fixed, and 5/1 ARM rates increasing, while jumbo loan rates declined. The Federal Reserve cut interest rates for the third time but mortgage rates are back to pre-cut levels. Mortgage rates are influenced by the Fed and the economy. Rates as of 12/15/2025 show 30-year fixed at 6.29%, 15-year fixed at 5.63%, 5/1 ARM at 5.61%, an... more
Dec 15, 2025 12:30 PM
— Bond Markets
Fairly Calm Monday. Jobs Report on Deck
Monday's trading day ended with modest overnight gains eroding to roughly unchanged levels by the 3pm close. Tuesday brings the first post-shutdown jobs report, with a focus likely shifting to the unemployment rate. The jobs report is expected to heavily impact the market, depending on how much it differs from forecasts.
Dec 15, 2025 12:30 PM
— Mortgage Rates
Here's how much a $700,000 mortgage can cost per month, following the December Fed rate cut
Home prices are expected to drop in some U.S. cities next year, but they are currently elevated in many parts of the country, making homeownership more expensive. However, mortgage interest rates have been declining in 2025, with the average rate on a 30-year mortgage now at 6.12% and 5.50% for a 15-year term. This decline in rates can make mortgages more affordable, with a $700,000 mortgage costi... more
Dec 15, 2025 11:32 AM
— Housing Market
Google enters portal wars with MLS listings in select cities
Google is testing a new advertising format in select markets that embeds for-sale home listings directly into mobile search results. The listings are powered by a paid partnership between Google and ComeHome, a subsidiary of HouseCanary. This move impacts portal stocks and industry dynamics.
Dec 15, 2025 11:30 AM
— Mortgage Rates
Mortgage Rates Slightly Lower as Volatility Risks Increase
Mortgage rates started the week slightly lower and remained in a narrow range. The lack of movement on Monday was expected due to the absence of major economic data releases, but the upcoming jobs report on Tuesday could potentially impact rates depending on the unemployment rate and new nonfarm payroll creation data.
Dec 15, 2025 10:56 AM
— Mortgage Lenders
HECM vs. Jumbo Reverse Mortgage: How to Choose the Best Fit
The article discusses the differences between a Home Equity Conversion Mortgage (HECM) and a jumbo reverse mortgage, two options for homeowners age 62 and older to tap into their home equity. HECMs are insured by the Federal Housing Administration and come with borrower protections, while jumbo reverse mortgages are offered by private lenders and have different eligibility requirements, interest r... more
Dec 15, 2025 10:30 AM
— Interest Rates
Current mortgage rates on Dec. 15, 2025
The average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S. is 6.182%, with some fluctuations recently. Homebuyers have faced high rates in the past, but rates started trending downwards in late 2025 following actions by the Federal Reserve. Economic conditions, financial profile, historical context, demand for loans, national debt, the Federal Reserve's actions, and co... more
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
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 800 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 800 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.
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