Mortgage News
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Jan 27, 2026 4:34 AM
— Housing Market
Trump signals retreat from 401(k) down payment proposal
President Donald Trump is backing away from the proposal to allow penalty-free 401(k) withdrawals for down payments, stating that he is not a fan of using retirement savings in that way. He emphasized the importance of keeping 401(k) balances intact. The U.S. housing market in 2026 is expected to be more balanced with rising inventory and steady prices.
Jan 27, 2026 4:32 AM
— Housing Market
Early 2026 housing market gains traction as buyer demand returns
Early 2026 housing market data is showing improving momentum with rising buyer demand, stable pricing dynamics, and growing inventory. Pending sales, purchase applications, and new listings are all on the rise. Mortgage rates approaching 6% historically strengthen housing demand, and current rates are remaining steady. The market is operating at approximately 2.6 months of supply, reflecting a mor... more
Jan 27, 2026 4:32 AM
— Interest Rates
How many rate cuts in 2026? These mounting pressures will put the Fed at a crossroads this year
The Federal Reserve is facing various challenges in 2026, including shifting leadership, changing economic conditions, and growing political pressure. The biggest question is how much more relief might be on the way this year in terms of interest rate cuts. Key factors affecting the future of interest rates include appointing a new Fed chair, incoming regional Fed presidents' opinions on inflation... more
Jan 27, 2026 4:30 AM
— Mortgage Refinancing
Current refi mortgage rates report for Jan. 27, 2026
The article discusses the current average refinance rate for a 30-year fixed-rate home loan, the process of mortgage refinancing, the impact of Federal Reserve rate cuts on mortgage interest rates, factors to consider before refinancing, and different options available for refinancing loans. It also mentions the importance of shopping around for the best interest rate and potential incentives offe... more
Jan 27, 2026 2:31 AM
— Housing Market
Home-sale cancellations hit record as buyers walk away
Home-sale cancellations have reached a record high due to high prices and more options in the market. Despite properties selling below asking prices, some sellers are choosing to remove their listings altogether. However, a modest improvement in prices and mortgage rates has encouraged buyers to sign more contracts in recent months.
Jan 27, 2026 2:31 AM
— Mortgage Legislation
Maine bill targets MIP costs, lower rates for homebuyers
A Maine real estate agent is proposing a bill that would give homeowners a state tax deduction on mortgage insurance premiums as well as offer grants to help lower loan payments. The bill is part of the bipartisan Housing for the 21st Century Act, which recently passed the House Financial Services Committee.
Jan 26, 2026 10:31 PM
— Housing Market
HUD orders housing agencies to verify tenant eligibility
HUD has ordered housing authorities to verify tenant eligibility related to issues like immigration status within 30 days. Nearly 200,000 records need verification, including deceased and ineligible tenants. Noncompliant agencies may face sanctions and HUD plans to recover improper payments.
Jan 26, 2026 3:33 PM
— Mortgage Lenders
Rocket Companies faces lawsuit over mortgage steering
Rocket Companies, including Rocket Mortgage, faces a class-action lawsuit alleging they steered homebuyers to their mortgage products, which are deemed disadvantageous to clients. The lawsuit claims that Rocket violated RESPA by pressuring clients into bad loans and funneling leads to real estate agents who push clients to use Rocket's services. Rocket denies the allegations and defends their prac... more
Jan 26, 2026 3:31 PM
— Mortgage Finance
FHA Mortgages Push Agency MBS Delinquency Rate Higher
The article discusses recent trends in the mortgage market, including changes in interest rates and lender policies. It also touches on the impact of economic conditions on the housing market.
Jan 26, 2026 12:47 PM
— Mortgage Rates
Mortgage Rates Steady Ahead of Fed Meeting as Eyes Turn to Spring Housing Market
The Federal Reserve is projected to conclude a uneventful two-day meeting with no changes expected to mortgage rates, which are currently in the low-6% range. Benchmark rates are anticipated to remain unchanged.
Jan 26, 2026 12:32 PM
— Mortgage Rates
Lowest Mortgage Rates in Just Over a Week
Mortgage rates decreased slightly for the 4th consecutive business day, with the average top-tier 30yr fixed rate reaching its lowest point since January 16th. However, rates were even lower 2 weeks ago. The week ahead is expected to have little volatility, including the Fed announcement on Wednesday, as the outcome is already fully expected by financial markets.
Jan 26, 2026 12:30 PM
— Housing Market
Ryan Serhant thinks the American Dream was just a 'slogan created by banks,' but it was really about FDR, the Great Depression, and an economic crisis
The article discusses the history of mortgages in the United States and how homeownership has become increasingly difficult to achieve in the current housing market due to factors such as high home prices, mortgage rates, and low supply. Despite the challenges, the American Dream of homeownership has deep roots in history and was not created by banks as a marketing ploy. A real estate CEO argues t... more
Jan 26, 2026 11:30 AM
— Mortgage Lenders
Trump’s Plan To Fix the Housing Market Has Problems, Morgan Stanley Warns
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Jan 26, 2026 9:37 AM
— Mortgage Rates
Mortgage Rates Static on Monday | Today, January 26, 2026
Mortgage rates remained steady over the weekend, providing low rates for those looking to purchase a home or refinance. The economic indicators are neutral, keeping interest rate movements flat for now. The average 30-year fixed mortgage rate is at 6.20%. Experts are advising on whether to refinance or tap into home equity, while also discussing financial assistance programs. Freddie Mac reports r... more
Jan 26, 2026 8:42 AM
— Mortgage Finance
Investor Demand Helps Drive Down Rates on DSCRs
The article discusses the latest trends in the mortgage industry, including changes in interest rates and housing market conditions. It highlights the importance of staying informed about market developments for those looking to buy or refinance a home.
Jan 26, 2026 8:40 AM
— Mortgage Finance
Lower Interest Rates Boost Refis, Prepayments
The article discusses the latest trends in the mortgage market, including changes in interest rates and housing market conditions.
Jan 26, 2026 8:31 AM
— Interest Rates
Fed is likely to hold interest rates steady, resisting Trump pressure. Here’s what that means for borrowers
The Federal Reserve is expected to hold interest rates steady despite pressure from President Trump. Trump is critical of the Fed for not lowering rates. Mortgage rates have dipped below 6% due to geopolitical issues but can rise quickly. Most credit cards have a variable rate connected to the Fed's benchmark. Trump's proposal for a 10% cap on credit cards is controversial. Car loan interest rates... more
Jan 26, 2026 8:31 AM
— Mortgage Rates
Rates are still under 6%: Mortgage lenders with the best rates this week, Jan. 26, 2026
The article provides a list of the top 10 mortgage lenders with the best interest rates, most of which are offering rates just below 6%. It emphasizes the importance of shopping around for the lowest mortgage rate, as the savings could be significant. The article also explains the difference between interest rate and APR, which includes both interest rates and lender fees.
Jan 26, 2026 6:33 AM
— Interest Rates
Starting Fairly Flat After Spicy But Stale Durable Goods
This week's main focus is the Fed announcement on Wednesday, but it is uncertain how much of an impact it will have. The Producer Price Index on Friday may have more influence, but typically doesn't make a big splash. Durable Goods data released this morning exceeded forecasts, potentially leading to a small decrease in 10yr yields, but the impact was minimal.
Jan 26, 2026 5:33 AM
— Mortgage Rates
Lower Rates Drive Application Growth, Even As Homes Take Longer to Sell
The housing market is beginning to stabilize due to a decrease in mortgage rates according to a recent report from Redfin.
Jan 26, 2026 5:30 AM
— Housing Market
What a likely Bank of Canada rate hold means for buyers, sellers and mortgages in 2026
Canada's housing market in 2026 faces a different interest rate environment compared to the previous year. Economists believe the Bank of Canada will likely remain in a holding pattern, and mortgage rates are expected to remain low. Trade disputes between Canada and the U.S. could impact the market, with experts advising caution and strategic thinking for buyers and sellers. High inventory and low... more
Jan 26, 2026 4:34 AM
— Online Security for Mortgage Websites
Mortgage rates steady ahead of Fed's January meeting
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Jan 26, 2026 4:33 AM
— Interest Rates
Federal Reserve Holds Rates in January
The Federal Reserve paused cutting the federal funds range in January, signaling a wait-and-see approach due to economic expansion and uncertainty. Mortgage rates varied after recent Fed decisions, with some decreases and slight increases. Interest rates followed a downward trajectory over the past few months. The Fed may need to see a decrease in the inflation rate or weakening employment before ... more
Jan 26, 2026 3:34 AM
— Mortgage Interest Deductibility
Is a HELOC Tax-Deductible in 2026?
The deductibility of interest on a home equity line of credit (HELOC) depends on how the funds are used, not the loan itself. Under current tax rules, interest may be tax-deductible when the money is used for buying, building, or substantially improving the taxpayer's home. Qualifying improvements must add value to the home, extend its useful life, or adapt it for new uses. Cosmetics upgrades, rou... 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. 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, Loan Estimates. 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. 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, Loan Estimates. 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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