Mortgage News
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News for: Mortgage Rates
Showing 673 - 696 of 1951 results
Jan 13, 2026 3:47 PM
— Mortgage Rates
Lock activity increases in December, defying seasonal trends
Mortgage rate-lock activity ended the year strong despite seasonal trends. President Trump directed the purchase of $200 billion in mortgage bonds to lower housing costs. High non-mortgage debt levels can affect home loan underwriting. Cryptocurrency development in the mortgage industry has accelerated due to easing regulations.
Jan 13, 2026 3:32 PM
— Mortgage Rates
Trump pauses 50-year mortgage plan, drafts 401(k) down payment access
The Trump administration is no longer pursuing the idea of introducing 50-year mortgages, but instead is exploring options to improve housing affordability such as allowing Americans to use funds from 401(k) or 529 accounts for down payments. They are also considering a proposal to prevent large institutional investors from purchasing single-family homes. Trump has directed Fannie Mae and Freddie ... more
Jan 13, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Now Solidly Back Above 6%
MND's mortgage rate index showed a bottom of 6.01%, but rates increased to 6.07% today due to market weakness the previous day. Lenders raised rates in the afternoon, but a well-received CPI report helped stabilize rates slightly.
Jan 13, 2026 10:33 AM
— Mortgage Rates
Jan. 13: LO, Ops jobs; broker, jumbo, verification, climate risk products; CFPB requests money, reverse referral opinion; CPI data
The article discusses the impact of possible changes in credit card interest rates on mortgage borrowers. It also highlights the growing credit card debt and its influence on home equity usage. The article raises concerns about potential government intervention in setting mortgage rates in the future.
Jan 13, 2026 9:39 AM
— Mortgage Rates
Mortgage Rates Flat, Inflation Higher for Essentials | Today, January 13, 2026
Mortgage rates are staying low, with the 30-year fixed rate at 6.179%. There is a mix of pressures keeping interest rate movements small. Experts advise hopeful home buyers to look into financial assistance programs. Various economic reports and Federal Reserve speeches are anticipated. Inflation remains flat, with essential categories like food and medical care seeing growth. Small business optim... more
Jan 13, 2026 8:30 AM
— Mortgage Rates
How does inflation affect mortgage rates? What to expect from the December core CPI.
This article discusses how inflation can impact mortgage rates, as well as the role of the Federal Reserve in adjusting interest rates based on inflation rates. It explains the measurement of inflation using the Consumer Price Index and Personal Consumption Expenditures index, and how these indicators may affect mortgage rates. Additionally, it highlights the importance of understanding inflation ... more
Jan 13, 2026 7:30 AM
— Mortgage Rates
8 strategies for getting the lowest mortgage rate possible in 2026
The article provides tips for getting the lowest mortgage rates possible in the 2026 housing market, including improving your credit score, aiming for a low debt-to-income ratio, making a significant down payment, and considering buying discount points. It also discusses negotiating special financing with sellers, getting rate buydowns, and choosing between different types of mortgages like adjust... more
Jan 13, 2026 4:33 AM
— Mortgage Rates
Trump weighs retirement, education funds for home buying
The Trump administration is considering further housing initiatives beyond mortgage bond purchases, including potentially expanding the use of retirement and education savings accounts for home purchases. Additionally, there are concerns about a cyberattack affecting consumers and banks by industry vendor SitusAMC. President Trump directed the purchase of $200 billion in mortgage bonds to bring do... more
Jan 13, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 13, 2026: Rates tumble following Trump news
Mortgage rates have decreased, with a 30-year rate at 5.86% and a 15-year rate at 5.28%. Zillow compiled these rates and found that refinance rates are generally higher than purchase rates. The article discusses the benefits of 15-year mortgages compared to 30-year mortgages, with examples on how different rates affect monthly payments and overall interest paid. The importance of determining betwe... more
Jan 13, 2026 2:30 AM
— Mortgage Rates
Bill Ackman Urges Trump To Cut Mortgage Rates By Adding Prepayment Penalties
Billionaire hedge fund manager Bill Ackman proposed introducing prepayment penalties on government-backed home loans in order to reduce mortgage rates in the United States. This proposal could potentially save borrowers about 65 basis points on a 30-year mortgage.
Jan 12, 2026 12:31 PM
— Mortgage Rates
Mortgage Rates Inch Higher From 3 Year Lows
Mortgage rates fluctuated today, with some lenders raising rates on Friday but lowering them today, while others who didn't raise rates on Friday are slightly higher today. Despite this, rates are still much lower compared to the last three years. The 10-year Treasury rates are at four-month highs, but mortgage rates are outperforming them due to various factors, including the behavior of the 5-ye... more
Jan 12, 2026 10:30 AM
— Mortgage Rates
Mortgage rates fall below 6% for first time since 2023 after Trump orders $200B bond buying
Mortgage rates dropped below 6% for the first time in years after President Trump ordered the purchase of $200 billion worth of mortgage bonds to tackle the housing crisis. This led to the average rate for a 30-year fixed residential mortgage falling to 5.87% and rates for a 15-year fixed mortgage also decreasing. The purchases of mortgage bonds by Fannie Mae and Freddie Mac are expected to drive ... more
Jan 12, 2026 10:17 AM
— Mortgage Rates
Economists forecast just 50 basis points of Fed cuts in 2026
Only 14% of economists surveyed expect the next short-term rate reduction to take place at the January meeting of the Federal Open Market Committee. The 30-year fixed-rate mortgage dropped 3 basis points, reaching its lowest level since October. Despite this drop in mortgage rates, the 10-year Treasury yield used to price loans moved higher since Thanksgiving. Fannie Mae and Freddie Mac portfolio ... more
Jan 12, 2026 9:30 AM
— Mortgage Rates
President Trump Is Targeting Mortgage Rates Where They're Set
Mortgage rates are set in the bond markets, specifically in the market for mortgage-backed securities. President Trump's direction for Fannie Mae and Freddie Mac to invest in the MBS market aims to restore normal price discovery and reduce risk premiums. When natural buyers step back, the risk premium is passed on to borrowers in the form of higher monthly payments. By improving liquidity and mark... more
Jan 12, 2026 9:30 AM
— Mortgage Rates
Big Wins for American Families as Gas Prices, Mortgage Rates Plummet
Gas prices have fallen to their lowest levels in five years and mortgage rates have dropped sharply due to President Trump's America First agenda focusing on energy dominance and housing affordability. The decline in gas prices is saving Americans billions of dollars annually and the decrease in mortgage rates has reduced housing payments to their lowest point in over two years.
Jan 12, 2026 7:07 AM
— Mortgage Rates
Mortgage Rates Steady on Monday Morning | Today, January 12, 2026
Mortgage rates remain at their lowest averages in over a year, showing few basis points increase over the weekend. Rates for 30-year fixed mortgages sit at 6.18%, while rates for 15-year fixed mortgages reached 5.52%. Experts recommend considering refinancing or tapping into home equity with the current rates. The article also discusses adjustable-rate mortgages and predictions by economists on fu... more
Jan 12, 2026 4:34 AM
— Mortgage Rates
Labor market clenches jaw ahead of Fed’s January meeting
The December unemployment rate improved slightly to 4.4% with a gain of 50,000 jobs. The data suggests a stable labor market that is unlikely to crumble soon. Job gains in December were modest compared to earlier estimates, with retail trade losing jobs but gains seen in food services, health care, and social assistance. Economists predict subdued job growth. The report indicates no urgency for ad... more
Jan 12, 2026 4:30 AM
— Mortgage Rates
UK set for a 'booming' mortgage market, say analysts
Competition among lenders may lead to mortgage rate cuts in the coming weeks. The choice of mortgage products has increased, benefiting first-time buyers. Mortgage rates have fallen over the past year, with expectations for further declines early in 2026. Regulators are allowing more flexibility with mortgage affordability, leading to innovative products to help first-time buyers. There is pent-up... more
Jan 12, 2026 12:30 AM
— Mortgage Rates
Current mortgage rates report for Jan. 12, 2026
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.138%, which has fluctuated slightly in recent reports. Rates have been impacted by factors such as Federal Reserve actions, economic conditions, and historical trends. Homebuyers have seen relief in rates starting in late 2025. Factors influencing mortgage rates include inflation fears, national debt, dem... more
Jan 11, 2026 7:30 PM
— Mortgage Rates
Trump's $200 Billion 'People's QE' Mortgage Stimulus Plan Could Backfire, Economists Warn It Will Worsen 'Housing Affordability'
President Trump's proposal to purchase $200 billion in mortgage-backed securities is facing criticism from economists who warn that it could worsen housing affordability in the long run despite temporarily lowering mortgage rates. The plan involves tapping funds from government-sponsored enterprises Fannie Mae and Freddie Mac, raising concerns about political intrusion into monetary policy.
Jan 11, 2026 8:21 AM
— Mortgage Rates
A powerful force has been holding back the housing market. It’s finally easing.
The article discussing the mortgage lock-in effect may not be accessible at the given link.
Jan 10, 2026 4:32 PM
— Mortgage Rates
December jobs data continues to support lower mortgage rates
December saw the slowest job growth in years, leading to mortgage rates staying near 6%. Trump's MBS policy and stable bond yields played a role. Despite a brief drop in rates to the 5s, the 10-year yield remained mostly unchanged. The BLS report showed 50,000 jobs created, making 2025 the lowest job-growth year this century if it wasn't for health care and social services labor. Unemployment rate... more
Jan 10, 2026 4:31 AM
— Mortgage Rates
Mortgage rates dip below 6% following Trump’s $200B bond buy proposal
U.S. mortgage rates fell below 6% following a directive for Fannie Mae and Freddie Mac to purchase $200 billion of mortgage-backed securities. This drop in rates could increase affordability for homebuyers. Industry experts caution that the long-term impact will depend on execution and other factors like inflation and the Federal Reserve's policy. For now, buyers have an advantage due to more home... more
Jan 9, 2026 3:33 PM
— Mortgage Rates
Conforming Mortgage Rates Should Remain Around 6% in 2026
Mortgage rates have increased slightly at the beginning of 2026, as reported by Freddie Mac. There is anticipation that rates may reach or even drop below the 6% mark.
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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