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 219 results
Mar 31, 2026 4:34 PM — Home Equity Loans vs Home Equity Investment Loans
Home Equity Loan vs HEI: A Complete Comparison
The Mortgage Reports
The article discusses the differences between traditional home equity loans and home equity investment loans (HEIs). HEIs provide cash today in exchange for a share of the home's future value, while home equity loans allow borrowers to borrow against their home's value through a second mortgage with fixed interest rates and regular monthly payments. The qualification process, costs, and risks asso... more
Mar 31, 2026 8:32 AM — Mortgage Rates
Mortgage Rates Climb | Today, March 31, 2026
The Mortgage Reports
Mortgage rates have reached seven-month highs, with the average 30-year fixed mortgage rate at 6.57%. Despite the increase, it may still be a good time to refinance or explore home equity options. The article also discusses the varying rates for different mortgage terms like 15-year fixed mortgages and 5/1 adjustable rate mortgages. It provides insights into the factors affecting mortgage rates an... more
Mar 31, 2026 4:38 AM — Home Equity Loans and HELOCs
No-Doc HELOC and Home Equity Loans | 2026 Requirements
The Mortgage Reports
The article discusses how self-employed borrowers, retirees, and others who do not fit into traditional income verification methods can qualify for home equity loans and HELOCs without providing tax returns or pay stubs. Instead, lenders look at credit score, home equity, and alternative documentation such as bank statements. The article explains the difference between true no-doc loans, which hav... more
Mar 30, 2026 12:38 PM — Mortgage Lending
HELOC for Kitchen Remodel: Pros, Cons, and How It Works
The Mortgage Reports
The article discusses how a home equity line of credit (HELOC) can be a flexible and useful way to finance a kitchen renovation project, allowing borrowers to draw funds as needed during a draw period and potentially take advantage of lower interest rates compared to other financing options. It explains the basic mechanics of a HELOC, the advantages, risks, and how it compares to home equity loans... more
Mar 30, 2026 12:37 PM — Home Equity Line of Credit (HELOC)
HELOC for Small Business Capital: Is It Worth the Risk?
The Mortgage Reports
This article discusses how a Home Equity Line of Credit (HELOC) can be used to fund a small business by borrowing against the equity in one's home. It explains the benefits and risks of using a HELOC for business purposes, the accessibility and flexibility of HELOC funds, the various factors to consider before applying for a HELOC, and alternatives to HELOC financing. It emphasizes the importance ... more
Mar 30, 2026 12:36 PM — Mortgage Rates
Mortgage Rates Take Step Up | Today, March 30, 2026
The Mortgage Reports
Mortgage rates have been increasing slightly with some upward pressure due to economic indicators. The average 30-year fixed mortgage rate is at 6.607% currently. There are options to refinance or tap into home equity. The article also mentions the average 15-year fixed mortgage rate and a 5/1 adjustable rate mortgage. The Federal Reserve's commentary and upcoming economic data releases can influe... more
Mar 27, 2026 8:31 PM — Reverse Mortgages
Retiring Before 65? How a HECM Can Help Pay for Medicare
The Mortgage Reports
The article discusses how early retirees may face a healthcare gap between retirement and Medicare eligibility, and explores the option of using a Home Equity Conversion Mortgage (HECM) to cover medical costs. It explains the benefits and considerations of using an HECM for healthcare coverage before turning 65, as well as alternative options for covering healthcare costs during early retirement.
Mar 27, 2026 12:37 PM — Mortgage Rates
Mortgage Rates End Week on High Note | Today, March 27, 2026
The Mortgage Reports
Mortgage rates continue to rise due to uncertainty from the war and increased energy prices. The average 30-year fixed mortgage rate is at 6.607%, while the 15-year fixed rate is at 5.914%. The ongoing conflict in the Middle East is also causing inflationary worries and could impact transportation costs. The Federal Reserve decision to hold its benchmark rate steady adds to the upward pressure on ... more
Mar 27, 2026 12:36 PM — Mortgage Lending
Trump Issues Orders on Mortgage Credit and Construction
The Mortgage Reports
President Trump signed executive orders to address obstacles in the housing market, aiming to increase consumer access to home lending and reduce building costs. The first order focuses on expanding 'quality mortgages' and potentially revamping the TRID rule, while the second order loosens environmental and permitting regulations around construction. The orders aim to increase community bank mortg... more
Mar 27, 2026 12:32 PM — Reverse Mortgages
Using a Reverse Mortgage to Pay Off Federal Tax Liens
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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?
The Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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
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.

We use cookies and similar technologies to improve your experience, analyze site usage, and deliver personalized content. By clicking "Accept", you agree to the storing of cookies on your device in accordance with our Privacy Policy. You can manage your cookie preferences at any time.