Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Jul 8, 2025 12:05 PM
— Mortgage Rates
Mortgage Rates Still Lower Than May/June Despite Drifting Higher
Mortgage rates have increased steadily in July, with the average top tier 30yr fixed scenario rising from 6.67% to 6.81% in just 4 days. Despite this, rates are still the lowest since late April.
Jul 8, 2025 12:01 PM
— Mortgage Lenders
MSR Exchange, DSCR, DPA/Energy, Automated Bank Statement Analysis; LO Comp Changes
The article discusses various updates and developments in the mortgage industry, including information on technology impacting lending, a platform for vendors and service providers, and new loan products from different companies.
Jul 8, 2025 10:02 AM
— Tax Deductions and Mortgage Interest
Have a mortgage? Trump’s tax law might give you new deductions.
The One Big Beautiful Bill Act permanently extends a $750,000 limit on mortgage interest deduction and allows mortgage insurance premiums to be deducted as interest. With the SALT cap quadrupled, more homeowners are considering itemizing. This change can benefit homeowners, especially in high-tax states with high mortgage rates.
Jul 8, 2025 9:07 AM
— Mortgage Finance
Prices for New Homes Declining at Accelerated Rate
The article discusses the latest trends and developments in the mortgage industry, focusing on key factors impacting mortgage rates and the overall housing market.
Jul 8, 2025 8:06 AM
— Bond Markets
Heads: They Win. Tails: You Lose
Stocks and bonds are responding to new developments on the tariff front, with letters sent to trade partners announcing new tariff rates effective August 1st. Despite general tariff fatigue, the market was paying attention due to the formal nature of the announcements. While stocks were falling, bonds were holding steady, and vice versa.
Jul 8, 2025 4:02 AM
— Bond Markets
Slow Start; Light Calendar This Week
After a rally reversal following last week's jobs report, the bond market is facing a data-free week with little movement from last Thursday's close. Thursday saw heavy selling, potentially ending the rally trend from late June. The most anticipated event on the horizon is next week's CPI data, which will likely determine the direction of trading levels and trends.
Jul 8, 2025 3:02 AM
— Housing Market
For The Housing Market This Year, It All Comes Down to Mortgage Rates
The housing market has remained frozen in 2025 with an affordability crisis, high mortgage rates, and low inventory contributing to the stagnation. However, there are signs of small improvements such as increased listings and slower price increases in certain areas. Economists predict that a real estate thaw may occur in 2026, especially if interest rates decrease.
Jul 8, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 8, 2025: A small move higher as Trump presses on tariffs
The article discusses the current fluctuation in mortgage interest rates, attributed to factors such as the stock market, Treasury yields, and Federal Reserve decisions. It provides information on current mortgage rates, refinancing rates, potential impacts of mortgage term lengths, and the differences between fixed-rate and adjustable-rate mortgages. It also touches on future trends in mortgage r... more
Jul 7, 2025 3:02 PM
— Investment Options for Retirement Income
Ask an Advisor: I’m 62 and Need ‘Reliable Income’ in Retirement. What Investments Do You Suggest?
A 62-year-old self-employed individual who is looking to invest in another property for retirement income seeks advice. The article emphasizes the importance of starting with a comprehensive financial plan before deciding on investments. It suggests considering various income-oriented investments such as rental properties, real estate investment trusts (REITs), bonds, cash equivalents, dividend st... more
Jul 7, 2025 2:08 PM
— Interest Rates
NY Fed report: Return to zero rates a 'significant' risk
Market concerns remain about a return to zero interest rates despite the Federal Reserve's policy rate being far from its lowest point. Federal Reserve Banks of New York and San Francisco conducted findings on this issue. Additionally, a federal judge rejected defenses by a brokerage selling loans to United Wholesale Mortgage and Rocket Pro TPO, while government-sponsored enterprises are tightenin... more
Jul 7, 2025 2:04 PM
— Bond Markets
Correction Continues Despite Tariff Announcements
Bonds started the day weaker and continued to lose ground in the morning. After new tariff announcements caused selling in stocks, there was some initial buying in bonds, but not for long. Tariffs have proven to be a double-edged sword for bonds. Today's weakness added to a multi-day correction that began last Wednesday. Buyers may remain hesitant until more of the week's Treasury auction cycle ta... more
Jul 7, 2025 2:01 PM
— Mortgage Rates
This map compares average mortgage rates by state
The article discusses how mortgage rates vary by state, factors influencing rates, and how borrowers can qualify for lower rates by improving their credit scores and other financial aspects. It also mentions the impact of laws, competition among lenders, and the type of mortgage on interest rates.
Jul 7, 2025 2:01 PM
— Mortgage Rates
Will mortgage rates continue falling this July?
Mortgage rates have fallen for the fifth consecutive week, currently averaging 6.75% for a 30-year mortgage loan. This decline is seen as positive for homebuyers, but it remains uncertain if the trend will continue. Factors influencing mortgage rates include economic policies, the Federal Reserve's federal funds rate, and the 10-year Treasury yield. Changes in inflation and potential Fed rate cuts... more
Jul 7, 2025 1:08 PM
— Housing Market
Tariffs, jobs, rates: What's sinking buyer mood most?
Consumer homebuying sentiment decreased in June due to fears over job cuts and tariff fallout. Confidence among US homebuilders also fell in June, with potential buyers concerned about high mortgage rates and the economy. Despite this, more consumers believe that home prices will rise in the coming year.
Jul 7, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Continue Higher For Third Straight Day
Mortgage rates remained stable or decreased for the entire second half of June but have started to rise in response to economic data and the recent jobs report. This increase in rates marks the highest levels since June 25th, although those rates were still the lowest since early April at that time.
Jul 7, 2025 10:05 AM
— Mortgage Finance
CHLA Urges CFPB to Act on LO Comp Reforms
The article discusses the latest trends and updates in the mortgage finance industry, focusing on design, content management systems, hosting, and web development.
Jul 7, 2025 10:01 AM
— Housing Market
Why mortgage purchase apps are on a 22-week growth streak
Purchase applications for the existing home sales market have shown 22 weeks of year-over-year growth, including nine consecutive weeks of double-digit growth. The data has been overlooked due to confusion, but with mortgage rates easing, the summer housing market may heat up.
Jul 7, 2025 9:45 AM
— Mortgage Finance
Popular Stock Trading App Offers Mortgage Discounts to 'Gold' Members
The article discusses various updates and trends in the mortgage industry as of 2025. It likely covers topics such as mortgage rates, housing market trends, mortgage lender activities, and other related developments.
Jul 7, 2025 9:41 AM
— Mortgage Rates
Mortgage and refinance interest rates today for July 7, 2025: How to handle a high-rate housing market
Today's mortgage interest rates have increased slightly, with the 30-year fixed rate at 6.59% and the 15-year fixed rate at 5.81%. To secure the lowest possible rate in a high-rate environment, consider shopping around for lenders, exploring different loan programs, and looking into VA loans or interest rate buydown options.
Jul 7, 2025 9:00 AM
— Tax Legislation and Its Impact on Economic Growth
"Big Beautiful Bill" Senate GOP Tax Plan: Details and Analysis
The Senate Finance Committee introduced a new tax bill called the One Big Beautiful Bill (OBBB) which was passed by the House of Representatives and signed into law by President Trump. The bill is estimated to increase GDP by 1.2 percent but also increase federal budget deficits. The bill would lower marginal tax rates and boost economic output, but also increase federal borrowing and deficits. Th... more
Jul 7, 2025 7:42 AM
— Mortgage Rates
Are Rates Low Enough to Consider Refinancing? Today's Mortgage Refi Rates, July 7, 2025
Current average mortgage rates are elevated, with little financial incentive for most homeowners to refinance in 2025. Experts predict a modest decline in rates with potential rate reductions by the Federal Reserve, but not immediately translating to lower mortgage rates. Refinancing can be beneficial, especially if you can reduce your interest rate by 1% or more, but it's essential to consider co... more
Jul 6, 2025 2:42 PM
— Home Equity Line of Credit (HELOC)
HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same
HELOC interest rates have remained steady during the holiday, with rates starting at 8.90%. This article explains how homeowners can tap into the value of their homes using a HELOC, considering the significant amount of home equity in the country. It also emphasizes that accessing this equity through a HELOC allows homeowners to keep their current low mortgage rate. The article provides informatio... more
Jul 6, 2025 2:42 PM
— Mortgage Rates
Mortgage and refinance interest rates today, July 6, 2025: Refinance rates decrease
Mortgage rates on home purchases have increased, while refinance rates have decreased according to Zillow data. The 30-year fixed refinance rate is down by five basis points, and the 15-year fixed refinance rate has fallen by seven basis points. It may make sense to refinance if today's rates are significantly lower than what you currently have. Mortgage rates for home purchases have not changed m... more
Jul 5, 2025 3:24 PM
— Housing Market
FHA borrowers face mounting mortgage pressure
Americans are generally keeping up with their mortgage payments, but there are concerns about cracks forming beneath the surface. Consumer distress in auto and personal loans is also increasing, but mortgage growth is atypical, raising red flags for borrowers and lenders. There is uncertainty in Sunbelt markets, with property values softening, while the Northeast continues to see growth. Credit av... 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.