Mortgage News
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News for: Mortgage Lending
Showing 49 - 72 of 291 results
Feb 11, 2026 12:39 PM
— Mortgage Lending
Getting a Home Equity Investment When Self-Employed
The article discusses how self-employed individuals may have difficulty qualifying for traditional loans due to fluctuating income and the inability to show stable, predictable income. It introduces the concept of Home Equity Investments (HEIs) as an alternative for self-employed homeowners to access cash without the need for monthly payments, focusing more on the value of the home and equity rath... more
Feb 11, 2026 10:55 AM
— Mortgage Lending
2026 Home Equity Loan Rates by Credit Score
Your credit score significantly affects the home equity loan rate offered by lenders. Lenders use credit scores to assess risk, with borrowers in the excellent-credit tier receiving the lowest rates. Rates increase with lower credit scores, and those with scores below 620 may struggle to get approved. Improving credit scores by reducing debt and disputing errors can help qualify for better rates. ... more
Feb 11, 2026 7:32 AM
— Mortgage Lending
Mortgage applications dip 0.3% as FHA and ARM shares rise
Mortgage applications decreased by 0.3% for the week ending Feb. 6, with an increase in FHA and ARM loan shares. Refinance activity has gone up by 101% from a year ago.
Feb 10, 2026 3:31 PM
— Mortgage Lending
Mortgage credit availability rises on refinance, jumbo demand in January
The Mortgage Credit Availability Index (MCAI) increased in January, indicating a loosening of credit standards. Refinance volumes rose due to lower mortgage rates. Most of the expansion in mortgage credit availability occurred among programs requiring lower loan-to-value ratios and higher credit scores.
Feb 10, 2026 1:38 PM
— Mortgage Lending
Refinancing Out of an HEI Agreement: How It Works (and What It Really Costs)
Refinancing out of a Home Equity Investment (HEI) agreement is a common way for homeowners to exit the investment. The buyout amount is calculated based on the home's value at settlement, which can lead to unexpected costs. Refinancing out of an HEI requires qualifying for a new mortgage, and homeowners should consider both the settlement amount and the costs associated with refinancing before mak... more
Feb 10, 2026 11:32 AM
— Mortgage Lending
Here's what the monthly payment on a $1 million home really looks like
Purchasing a $1 million home results in a monthly mortgage payment that can cause sticker shock due to various factors such as interest rates, down payment size, loan type, taxes, insurance, and fees. Buyers may consider getting a conventional mortgage with 20% down payment or an FHA loan with a 3.5% down payment. Property taxes, homeowners insurance, and additional expenses can significantly incr... 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 10:30 AM
— Mortgage Lending
Trump wants lower mortgage rates. His Fed pick may push the other way.
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Feb 8, 2026 10:32 AM
— Mortgage Lending
Vertyx’s Ayo Opeyemi: Borrower Recapture Isn’t a Marketing Problem. It’s a Data Problem.
The article discusses how mortgage servicers can take advantage of the current market conditions to drive profitability by retaining borrowers, focusing on customer retention and recapture programs rather than originations. It emphasizes the use of data and AI to tailor offers to borrower behavior and engage with borrowers proactively. The key to success lies in anticipating borrower needs, delive... more
Feb 7, 2026 4:33 AM
— Mortgage Lending
Page 4 – Daily Mortgage News & Commentary
The article discusses the use of AI in the mortgage industry through a platform called Kastle, which helps automate customer interactions and improve operational efficiency for lenders. It also touches on the issue of flood insurance and presents a white paper on policy options for a natural catastrophe insurance program. Additionally, it mentions changes in the appraisal field, specifically regar... more
Feb 5, 2026 1:39 PM
— Mortgage Lending
HELOCs for High-Income Earners: Jumbo Credit Lines, $1M Limits, and Strategic Uses
The article discusses jumbo HELOCs for high-income borrowers, explaining how they work, the benefits they offer, and the qualification requirements involved. It highlights the strategic use of HELOCs by affluent homeowners to access large sums of money without disrupting their finances, especially for purposes like major renovation projects. The article also emphasizes the importance of understand... more
Feb 3, 2026 5:38 AM
— Mortgage Lending
Feb. 3: Customer intelligence, HELOC, Uplist’s recapture, construction products; rates are driven by markets; IMB hallway report – Daily Mortgage News & Commentary
The article discusses how meat prices have increased due to a 75-year low in cattle herd numbers caused by factors like drought and high grain prices. It also mentions the impact of the U.S. Government shutdown on economic activity and lending services, specifically highlighting FHA's limited services. Additionally, it includes information on various products, services, and software for brokers an... more
Feb 2, 2026 11:38 AM
— Mortgage Lending
What to Expect When Applying for a HELOC Online
The article discusses the process of applying for a HELOC online, including gathering and uploading necessary documents, verifying income and home value, understanding criteria such as combined loan-to-value ratio and credit score, and the timeline for approval and closing. It also provides tips for speeding up the process and compares the advantages of online applications versus traditional branc... more
Feb 2, 2026 4:12 AM
— Mortgage Lending
High energy performance lowers mortgage costs for buyers
Factoring energy savings into mortgage underwriting can reduce debt-to-income ratios and improve affordability. Recent policy changes and studies show energy-efficient homes offer lower default risk and increased buying power compared to traditional underwriting. The Veterans Home Energy Savings Act allows for utility costs to be included in the underwriting process for VA loans. Incorporating ene... more
Feb 2, 2026 3:30 AM
— Mortgage Lending
Renting is cheaper than owning in every major U.S. metro
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Feb 1, 2026 11:32 AM
— Mortgage Lending
Housing demand is still positive even with epic snowstorm
The article discusses the importance of verifying human identity through CAPTCHA tests to prevent spam and fraudulent activities on websites. It explains how CAPTCHA tests work and why they are necessary for online security.
Jan 30, 2026 1:49 PM
— Mortgage Lending
PrimeLending stays in the red, losses ease in Q4
Primelending, Hilltop Holding's mortgage subsidiary, reported a decrease in mortgage banking revenue in the fourth quarter due to industry headwinds. However, the company's net income increased by 61.9% compared to the previous year. The bank did $16 billion in originations during the final three months of 2025, surpassing industry-wide growth forecasts.
Jan 29, 2026 9:30 AM
— Mortgage Lending
Mortgage Interest Rates Today: Rates Tick Up to 6.10% After Fed Hits Pause on Cuts
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Jan 28, 2026 7:32 PM
— Mortgage Lending
FOMC Commentary from MBA's Mike Fratantoni
The article discusses the importance of verifying human users on websites to prevent bot activity. It mentions various methods such as CAPTCHA tests and biometric verification to ensure that real users are interacting with the platform.
Jan 28, 2026 8:30 AM
— Mortgage Lending
Freddie Mac's Mortgage Portfolio Grows To $3.67T As Credit Performance Holds Steady
The article discusses the importance of verifying human identity through various actions in order to prevent fraud and ensure security online.
Jan 28, 2026 4:35 AM
— Mortgage Lending
MBA Leads Joint Trades Letter Offering Actions to Lower Costs for Mortgage Borrowers
The Mortgage Bankers Association, America’s Credit Unions, and the Independent Community Bankers of America are urging the White House to take three near-term administration actions to lower costs for borrowers seeking home mortgages. These actions include ending the tri-merge credit reporting requirement, reducing mortgage insurance premiums responsibly, and reducing loan level price adjustments ... more
Jan 28, 2026 3:30 AM
— Mortgage Lending
US Mortgage Rates Increase for First Time in Four Weeks
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Jan 22, 2026 8:32 AM
— Mortgage Lending
Trump plan for 401(k) withdrawals may reshape housing demand
President Trump is expected to propose allowing Americans to use their 401(k) retirement accounts without penalties to fund down payments on homes, which could increase homebuying demand. However, experts warn that it may weaken retirement security and push up prices.
Jan 21, 2026 12:33 PM
— Mortgage Lending
MBA Leads Joint Trades Letter Offering Actions to Lower Costs for Mortgage Borrowers
The Mortgage Bankers Association, America’s Credit Unions, and the Independent Community Bankers of America sent a letter to the White House urging consideration of three near-term actions to lower costs for borrowers seeking home mortgages. These actions include ending the tri-merge credit reporting requirement, reducing mortgage insurance premiums, and reducing loan level price adjustments. The ... more
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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.