Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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News for: Bankrate
Showing 49 - 72 of 367 results
Feb 11, 2026 2:11 PM
— Interest Rates
HELOC & Home Equity Rates Up Slightly
Home equity rates saw slight gains in the latest week, with the average rate for a $30,000 home equity line of credit rising to 7.32% and the rate for a five-year $30,000 home equity loan increasing to 7.92%. Despite the rise, rates are still close to three-year lows. The rates for home equity products are driven by Federal Reserve policy and long-term inflation expectations. Using a home as colla... more
Feb 10, 2026 10:31 AM
— Mortgage Lending
10 First-Time Homebuyer Mistakes To Avoid
Buying your first home can be thrilling but also stressful, as it is a significant financial decision. Comparing different mortgage offers is crucial to get the best deal on interest rates and closing costs. Preapproval is important before house hunting to understand what you can afford. It is a myth that buyers must put down 20%, as there are loan options with lower down payment requirements. Emo... more
Feb 10, 2026 4:30 AM
— Mortgage Rates
30-year mortgage rates increase - To buy or wait? | Today's mortgage and refinance rates, February 10, 2026
National mortgage rates have shown mixed movement with some loan products increasing and others decreasing. Rates have been fluctuating slightly since the Fed's last meeting, staying just above 6%. The market is in a holding pattern waiting for more concrete evidence before making significant moves. Average rates for various mortgage types have changed slightly over the past week.
Feb 5, 2026 9:35 AM
— Home Equity Rates
HELOC and home equity rates decline to multi-year lows
Home equity borrowing costs have dropped to levels not seen in about three years, with the $30,000 home equity line of credit falling to 7.31% and the five-year $30,000 home equity loan decreasing to 7.90%. Rates are influenced by factors like Federal Reserve policy and long-term inflation expectations. HELOCs and home equity loans have rates more comparable to mortgage rates than unsecured loans.... more
Feb 4, 2026 4:31 AM
— Mortgage Rates
30-year mortgage rates decrease after the Fed meeting | Today's mortgage and refinance rates, February 4, 2026
Mortgage interest rates showed mixed movement with some loan products increasing and others decreasing. The Federal Reserve decided to maintain its benchmark rate due to slightly elevated inflation, low job gains, and stabilizing unemployment rates. Mortgage rates are expected to stay relatively steady in the near future, with the Mortgage Bankers Association estimating rates to remain between 6% ... more
Feb 3, 2026 4:38 AM
— Mortgage Rates
30-year mortgage rates decrease after the Fed meeting | Today's mortgage and refinance rates, February 3, 2026
Mortgage rates have mostly decreased compared to a week ago, but are expected to remain steady in the near future following the Fed's decision to uphold its current benchmark rate. The Mortgage Bankers Association forecasts rates to stay between 6% and 6.5% in the foreseeable future. Various mortgage rates are provided, including 30-year fixed, 15-year fixed, 5/1 ARM, jumbo mortgage rates, and 30-... more
Jan 30, 2026 4:31 AM
— Mortgage Rates
30-year mortgage rates increase ahead of Fed meeting | Today's mortgage and refinance rates, January 27, 2026
The article discusses the current average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 ARMs. It also mentions that Bankrate.com is an independent, advertising-supported publisher and comparison service.
Jan 29, 2026 4:31 AM
— Home equity loans and HELOC rates both reach 2023 lows
Home Equity And HELOC Rates Hold At Three-Year Low
Home equity rates remained steady as the Federal Reserve kept interest rates unchanged in the first meeting of 2026. The average HELOC rate is at a three-year low and is expected to drop below 7% this year. Home equity rates are influenced by Federal Reserve policy and inflation expectations. Despite low rates, home equity products are still considered high-cost debt.
Jan 28, 2026 9:34 AM
— Mortgage Rates
Mortgage rates move down, matching three-year low
The article discusses the current state of mortgage rates, noting a slight increase in rates but still remaining relatively low compared to previous years. It mentions President Trump's influence on mortgage rates through his direction to buy mortgage-backed securities, which led to a temporary reduction in rates. The article also mentions the Federal Reserve holding its benchmark interest rate st... more
Jan 28, 2026 9:31 AM
— Mortgage Rates
The Fed Didn’t Cut Interest Rates. Here Are 5 Things To Watch Next
The article discusses the Federal Reserve's decision to leave interest rates unchanged at its first meeting in 2026, keeping borrowing costs at elevated levels for Americans. The decision was made due to concerns about inflation and the labor market. Although the Fed is expecting to cut rates later in the year, investors and policymakers have varying expectations about the number and timing of the... 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 23, 2026 5:30 AM
— Mortgage Rates
30-year mortgage rates rise - When will rates change? | Today's mortgage and refinance rates, January 23, 2026
Mortgage rates have seen an increase, with 30-year fixed, 15-year fixed, and jumbo loans moving higher, while 5/1 ARM rates declined. Bob Broeksmit of MBA expects strong interest from homeowners for refinancing and buyers entering the market. The average rate for a 30-year fixed mortgage is 6.20 percent, higher than a month ago. The rates for a 15-year fixed mortgage and a 5/1 ARM also increased. ... more
Jan 22, 2026 5:30 AM
— Mortgage Rates
30-year mortgage rates unchanged - When should you lock? | Today's mortgage and refinance rates, January 22, 2026
Average mortgage rates remained mostly unchanged, resulting in stability in the market. The 30-year fixed rate is 6.13%, while the 15-year fixed rate is 5.57%. The 5/1 ARM rate is 5.42%, and the jumbo mortgage rate is 6.37%. The 30-year fixed-refinance rate is 6.50%. Overall, rates have eased compared to the beginning of 2025.
Jan 22, 2026 4:31 AM
— Home Equity Rates
Home Equity And HELOC Rates Hit 3-Year Lows
Home equity rates are at their lowest level in three years, with a mixed action in the latest week as the benchmark five-year $30,000 home equity loan fell while the $30,000 home equity line of credit remained unchanged. Factors driving these rates include Federal Reserve policy, long-term inflation expectations, and investor appetite in the secondary market. The Fed's focus on labor market condit... more
Jan 21, 2026 8:30 PM
— Mortgage Rates
After dipping to a three-year low, mortgage rates inch back up
The article discusses how mortgage rates were affected by President Trump's announcement directing Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities. The rates initially fell to 6.18% but moved back up to 6.25% in the following week. The article also mentions that the consensus is that mortgage rates will slightly lower, with Fannie Mae's January 2026 Housing Forecast pr... more
Jan 21, 2026 6:30 PM
— Emergency Savings
Bankrate’s 2026 Annual Emergency Savings Report
A Bankrate survey found that only 47% of Americans have sufficient liquid funds to cover a $1,000 emergency expense. 30% would use their savings, 17% would rely on regular income, and 33% would go into debt. Reasons for not saving more include inflation, changing income, and recent interest rate cuts. Increasing emergency savings is tied to higher household earnings, and demographics like men, you... more
Jan 19, 2026 5:32 AM
— Mortgage Rates
30-year mortgage rates decrease - How often do rates change? | Today's mortgage and refinance rates, January 16, 2026
Bankrate data shows that mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM have decreased. Predictions suggest rates may drop even lower, potentially falling below 6%. The average rate for a 30-year fixed mortgage is 6.11%, while a 15-year fixed is at 5.45% and a 5/1 ARM is at 5.50%. Jumbo mortgage rates have also decreased. Refinance rates have gone up slightly. Tips are provided for g... more
Jan 15, 2026 2:30 PM
— Credit Card Debt
Bankrate’s 2025 Credit Card Debt Report
The article discusses the high interest rates on credit card debt, the common causes of credit card debt, and the impact of credit card debt on people's lives and financial decisions. It also mentions that many Americans have been in credit card debt for at least a year, with a significant portion believing they will never be able to pay it off.
Jan 15, 2026 4:32 AM
— Mortgage Rates
Mortgage rates dip to three-year low after Trump’s bond-buying edict
The article discusses the current mortgage rates and housing market trends in 2025, including the median family income, median home price, and the impact of President Trump's announcement to direct Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities. While mortgage rates briefly dipped after the announcement, there is skepticism within the industry about the long-term impa... more
Jan 14, 2026 1:31 PM
— Home equity loan rates drop and HELOCs rise as Fed cuts rates
HELOCs plunge to lowest level in three years; home equity rates tick slightly higher
HELOC rates dropped to three-year lows in the latest week, while home equity loan rates remained steady. The Fed's rate cuts in 2025 led to the decrease in rates, and more cuts are expected in 2026. Home equity rates are influenced by Federal Reserve policy and inflation expectations. Despite lower rates, home equity products are still considered high-cost debt.
Jan 14, 2026 4:32 AM
— Mortgage Rates
30-year mortgage rates fall - When will they fall? | Today's mortgage and refinance rates, January 13, 2026
According to Bankrate data, the average mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM have mostly decreased. The forecast predicts rates sticking around 6% but possibly dipping lower. The current average rates are detailed for different types of mortgages, including 30-year fixed, 15-year fixed, 5/1 ARM, jumbo mortgages, and refinancing. Tips are provided for those shopping for a mo... more
Jan 14, 2026 4:31 AM
— Interest Rates
Current Credit Card Interest Rates
The average credit card interest rate is currently 19.64%, with the Prime Rate being 6.75%. Credit card rates are typically higher than other loans due to being unsecured debt. The CARD Act in 2010 changed how credit card rates were set, tying them to an index like the Prime Rate. Card issuers can adjust rates with 45 days' notice and new offers can vary. Consumers should pay attention to daily in... more
Jan 8, 2026 7:30 AM
— Home Equity Rates
HELOCs soar above 8% to start year; home equity loans drop modestly
HELOC rates saw a significant increase at the start of the year, while home equity loan rates dropped slightly. Borrowers should carefully consider their financial situation before tapping into home equity. Factors driving home equity rates include Federal Reserve policy and inflation expectations. There is a forecast of home equity rates edging lower due to expected Fed rate cuts in 2026. Home eq... more
Jan 8, 2026 5:31 AM
— Mortgage Rates
30-year mortgage rates fall - When should you lock? | Today's mortgage and refinance rates, January 8, 2026
National mortgage rates showed mixed movement with some loan products increasing while others decreased. The average rate for the benchmark 30-year fixed mortgage is 6.16 percent, up slightly from the previous week. Rates for a 15-year fixed mortgage remained unchanged. Tips for getting the best mortgage rate are also provided.
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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