Mortgage News
The Most Comprehensive Source of Mortgage-Related News
Each article is summarized for your convenience. Click on the title to see the original.
News for: The Mortgage Reports
Showing 25 - 48 of 210 results
Mar 27, 2026 12:32 PM
— Reverse Mortgages
Using a Reverse Mortgage to Pay Off Federal Tax Liens
This article explains that a federal tax lien does not necessarily prevent you from obtaining a reverse mortgage. HUD offers several options to qualify for a reverse mortgage with a tax lien, including paying off the lien with loan proceeds, having a repayment plan, or getting the IRS to subordinate the lien. The article also discusses the impact of tax liens on reverse mortgage eligibility, avail... more
Mar 26, 2026 6:34 AM
— Reverse Mortgages
HECM for Purchase for a Multigenerational Home | 2026 Guide
The article discusses the HECM for Purchase loan available for seniors aged 62 and older, allowing them to buy larger homes suitable for multigenerational living with a single down payment and no monthly mortgage payments. It explains how the loan works, who can qualify, different types of eligible homes, and the financial assessment involved. The loan does not require monthly principal and intere... more
Mar 26, 2026 5:34 AM
— Estate Planning and Reverse Mortgages
Reverse Mortgages and the 2026 Estate Tax Change
With the federal estate tax exemption decreasing to about $7 million per person in 2026, homeowners may leave heirs struggling to raise cash for taxes. A reverse mortgage provides tax-free funds during the borrower's lifetime but does not transfer to heirs after death. Strategies like maintaining cash, Treasury bills, or life insurance in an ILIT offer more reliable liquidity to cover estate taxes... more
Mar 25, 2026 6:32 AM
— Reverse Mortgages
Can Your HECM Line of Credit Be Frozen or Reduced?
HECM lines of credit, unlike traditional HELOCs, are backed by FHA insurance and provide more reliable access to funds in retirement. Access to the credit line is dependent on the borrower meeting certain requirements such as living in the home, paying property taxes and insurance, and maintaining the property. The credit line does not adjust based on market conditions and the unused portion grows... more
Mar 25, 2026 2:33 AM
— HELOCs
How to Access Up to 90% of Your Home’s Value With a HELOC
Some lenders offer HELOCs with a 90% combined loan-to-value ratio, allowing borrowers to access more equity in their homes. Credit unions and smaller banks are more likely to offer these high-CLTV products compared to traditional banks. Lenders typically require a credit score of 700-720 and a debt-to-income ratio of 43%-45% for 90% CLTV HELOCs. Appraisal values play a crucial role in determining ... more
Mar 24, 2026 5:07 AM
— Mortgage Lenders
Lowest HELOC Rates: How to Find and Compare Lenders in 2026
HELOC rates can vary based on factors like credit score, equity in the home, and lender choice. Credit unions, regional banks, large banks, and online lenders all offer different advantages and discounts. Borrowers with higher credit scores and lower loan-to-value ratios typically receive better rates. The margin on top of the Prime Rate is a key factor in determining the overall cost of a HELOC. ... more
Mar 24, 2026 4:33 AM
— Home Equity Agreements
Unison Review for 2026: Terms, Access and Customer Feedback
Unison allows homeowners to access cash from their home's equity in exchange for a share of its future value without monthly payments. They provide transparency, educational resources, and a structured pricing model. While the process may feel more structured compared to competitors, Unison is known for its credibility and reliability in the home equity agreement market.
Mar 23, 2026 4:35 PM
— Mortgage Rates
Mortgage Rates Flat After Fed Holds | Today, March 19, 2026
Mortgage rates have steadied after recent climbs due to concerns over a weakening labor market and rising inflation. The average 30-year fixed mortgage rate is at 6.504%, while the average 15-year fixed rate is at 5.825%. Home buyers are advised to explore expert advice for 2026 and check for financial assistance programs and more flexible loan options.
Mar 23, 2026 8:33 AM
— Mortgage Rates
Mortgage Rates Level Off | Today, March 25, 2026
The article discusses the current mortgage rates, offering advice on refinancing and tapping into home equity for those interested. It mentions the average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable-rate mortgages at the time of publishing. It also touches on factors influencing mortgage rates like inflation concerns, geopolitical tensions, Federal Reserve polic... more
Mar 23, 2026 7:46 AM
— Mortgage Rates
Mortgage Rates Grow Over Weekend | Today, March 23, 2026
Mortgage rates have increased recently due to inflation concerns and geopolitical tensions. The article suggests considering refinancing or tapping into home equity for those with high rates. It also provides information on the current average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable-rate mortgages. Housing market fundamentals, Federal Reserve policies, and th... more
Mar 21, 2026 4:34 AM
— Mortgage Rates
Mortgage Rates Flat to End Week | Today, March 20, 2026
Mortgage rates have slightly decreased, but there are economic headwinds that could push rates higher. Refinancing and tapping into home equity are advised for those interested. The average 30-year fixed mortgage rate and the 15-year fixed mortgage rate are mentioned. Adjustable-rate mortgages are also discussed, along with market pressures impacting mortgage rates. Both inflation concerns and geo... more
Mar 20, 2026 2:06 PM
— Mortgage Lending
Choosing a Personal Loan Over a Home Equity Loan
The article discusses the differences between home equity loans and personal loans when it comes to solving cash-flow problems. Personal loans are faster to get, have lower set-up costs and shorter terms, making them ideal for emergencies. Home equity loans have longer terms but result in paying more interest overall. Lenders will check creditworthiness for both types of loans.
Mar 18, 2026 11:52 AM
— Mortgage Rates
Federal Reserve Holds Rates in March over Geopolitical Uncertainty
The Federal Reserve has chosen to hold its federal funds rate steady in early 2026 due to ongoing shocks like government shutdown risks, tariff uncertainty, and geopolitical tensions. Mortgage rate movements have varied after recent Fed decisions, but overall interest rates are lower in 2026 compared to previous years. The FOMC's next meeting is scheduled for April, and the housing finance industr... more
Mar 18, 2026 8:02 AM
— Mortgage Rates
Mortgage Rates Dip on Fed Decision Day | Today, March 18, 2026
Mortgage rates slightly decreased after reaching multi-month highs. Economic indicators present a mixed picture, affecting interest rates pressure due to inflation concerns and geopolitical uncertainty. Refinancing or exploring home equity options are recommended. Different types of fixed and adjustable mortgage rates are discussed. Various factors like inflation data, the Federal Reserve's action... more
Mar 18, 2026 6:14 AM
— Mortgage Lenders
Credit Card Debt Before Mortgage: Can You Use a Personal Loan?
The article discusses how using a personal loan to pay off high-interest credit card debt can impact your mortgage application. It explains that while reducing credit card interest with a personal loan can save money over time, it does not automatically improve your mortgage application. The article provides tests to determine if using a personal loan will strengthen your application or introduce ... more
Mar 18, 2026 4:34 AM
— Home Equity Investment (HEI)
Who Qualifies for an HEI? Eligibility and What to Expect
Traditional lenders and Home Equity Investment (HEI) providers evaluate borrowers differently when it comes to accessing home equity. HEI providers focus on property value and equity rather than credit scores or debt-to-income ratios. HEI qualifications require 20% to 40% equity, a credit score of 500 to 620, and the property being a primary residence. HEIs do not have monthly payments and priorit... more
Mar 17, 2026 5:32 AM
— Mortgage Lending
Home Equity Loan Term Comparison: 10 vs 15 vs 20-Year Costs
The length of a home equity loan term significantly impacts both monthly payments and total borrowing costs. A 20-year term can decrease monthly payments but result in paying over $27,000 more in interest compared to a 10-year term. The trade-off between monthly payments and total interest costs should be carefully considered when choosing a home equity loan term.
Mar 16, 2026 5:48 AM
— Mortgage Lending
DTI Too High for a Mortgage? Can a Personal Loan Help?
The article discusses how a personal loan can help lower your debt-to-income ratio (DTI) for a mortgage if it reduces total required monthly debt payments. It advises borrowers to calculate their DTI gap and compare current debt payments to potential loan payments before applying. The key is to reduce the required payment, not just total debt, with consolidation. Timing and credit activity are als... more
Mar 16, 2026 4:34 AM
— Mortgage Rates
Mortgage Rates Continue Upturn | Today, March 12, 2026
Mortgage rates have risen to the highest point in recent weeks due to economic indicators like geopolitical tensions, inflation worries, and Federal Reserve policy uncertainty. The average 30-year fixed mortgage rate and the average 15-year fixed mortgage rate are at % and % respectively. Mortgage rates face competing pressures this week from inflation concerns and economic uncertainty. The 10-yea... more
Mar 13, 2026 3:32 PM
— Mortgage Lenders
Are Personal Loans a Good Idea? Here Are the Pros and Cons
Personal loans can be helpful in financial emergencies or consolidating debt with lower interest rates than credit cards. The loan amount is received upfront, interest rates depend on credit score, and loan terms range from one to seven years. Utilizing a personal loan for debt consolidation can improve credit scores. However, personal loans may have drawbacks such as increasing debt load, origina... more
Mar 13, 2026 12:57 PM
— Home Equity Agreements
Unlock Review for 2026: Terms, Access and Customer Feedback
Unlock is a fintech company that provides home equity agreements, allowing homeowners to access cash from their home's equity without making monthly payments. The repayment occurs when the home is sold, refinanced, or the agreement term ends. Unlock offers borrowing flexibility, a digital application process, clear communication, and educational resources to help homeowners understand the agreemen... more
Mar 13, 2026 10:37 AM
— Mortgage Rates
Mortgage Rates Flat Heading into Weekend | Today, March 13, 2026
Mortgage rates have steadied after rising in the past week but are still relatively low compared to previous years. The average rates for 30-year and 15-year fixed mortgages are provided, along with an adjustable rate mortgage. Economic concerns and geopolitical tensions are expected to put upward pressure on rates. The market is currently experiencing volatility due to inflation, Federal Reserve ... more
Mar 13, 2026 5:31 AM
— Home Equity
The Equity Boom: Why Homeowners Can Borrow More Today
A recent report by ATTOM shows that a significant number of mortgaged homes are now considered equity-rich, with homeowners having at least 50% equity in their properties. This is a major increase from pre-pandemic levels, and many homeowners have leveraged low mortgage rates and made home improvements to boost their equity. Liquidating home equity through HELOCs or home equity loans can provide f... more
Mar 12, 2026 5:00 AM
— Interest Rates
How Global Events Affect Your Mortgage Rate: Iran War
Geopolitical tensions, such as the conflict with Iran, can lead to increased volatility in mortgage rates. The war has caused interest rates to rise and could impact inflationary growth. Rising energy prices, particularly oil, feed into inflation metrics and influence interest rate growth. Lending conditions can change rapidly, affecting the mortgage market. The conflict's duration and severity wi... 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.