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: Bankrate
Showing 73 - 96 of 360 results
Jan 3, 2026 5:31 AM
— Mortgage Rates
30-year mortgage rates decrease - To buy or wait? | Today's mortgage and refinance rates, January 2, 2026
Mortgage interest rates have mostly decreased compared to a week ago, with rates for 30-year fixed, 15-year fixed, and 5/1 ARM mortgages going down. The average rate for a 30-year fixed mortgage is 6.20%, for a 15-year fixed mortgage is 5.44%, and for a 5/1 ARM is 5.67%. The article also discusses the potential for mortgage rates to remain higher than desired due to recent rate cuts by the Federal... more
Dec 31, 2025 6:30 AM
— Mortgage Rates
30-year mortgage rates decline - Is this the new normal? | Today's mortgage and refinance rates, December 31, 2025
Average mortgage rates were mostly lower compared to a week ago, with 30-year fixed, 15-year fixed, and 5/1 ARM rates moving lower. Rates have been under 6.5% since August, offering relief to borrowers. The 30-year fixed rate is currently at 6.20%, 15-year fixed rate at 5.49%, and 5/1 ARM rate at 5.69%. Jumbo mortgage rate is at 6.39%. Refinance rates have also decreased, with the 30-year fixed-re... more
Dec 24, 2025 4:31 AM
— Mortgage Rates
30-year mortgage rates decrease - How long should buyers wait? | Today's mortgage and refinance rates, December 23, 2025
Mortgage rates were mostly lower compared to last week, with 30-year fixed, 15-year fixed, and 5/1 ARM rates decreasing, while jumbo loan rates increased. The Federal Reserve cut interest rates by a quarter point, with inflation and the job market being key concerns. Today's average 30-year fixed mortgage rate is 6.30 percent.
Dec 24, 2025 4:31 AM
— Mortgage Rates
Mortgage rates hold steady after Fed rate cut
The article discusses the current state of mortgage rates, the relationship between economic news and mortgage rates, and predictions for future mortgage rates. It highlights the national median family income, home prices, and the impact of good economic news on mortgage rates. Various experts give their opinions on the future of mortgage rates, with some predicting a decrease while others expect ... more
Dec 22, 2025 8:31 AM
— Mortgage Rates
30-year mortgage rates decrease - When should you lock? | Today's mortgage and refinance rates, December 22, 2025
National mortgage rates were split, with two loan products increasing and two decreasing. Inflation rose at a 2.7% annualized rate, influencing Treasury yields and mortgage rates. The Federal Reserve cut interest rates for the third time in a row. Mortgage rates as of 12/22/2025 vary, with average rates for 30-year fixed, 15-year fixed, 5/1 ARM, jumbo, and 30-year fixed-refinance mortgages listed.... more
Dec 22, 2025 4:32 AM
— Credit Card Rewards Programs
Chase Freedom Flex Q1 2026 Categories: Foodies Rejoice
The article discusses the rotating bonus categories on the Chase Freedom Flex card for Q1 2026. Cardholders can earn extra cash back on dining, American Heart Association donations, and Norwegian Cruise Line purchases up to a certain threshold. It also provides insights into how these bonus categories compare to previous quarters and average household spending in relevant categories.
Dec 18, 2025 4:32 AM
— Interest Rates
HELOCs approach three-year lows, home equity loan rates hold the line
HELOC rates have dropped to their lowest level in almost three years following the Federal Reserve's recent rate cut. Home equity loan rates have also declined substantially from their 2024 highs. Rates are influenced by Federal Reserve policy and long-term inflation expectations. HELOC rates are expected to move lower alongside the federal funds rate, while home equity loan rates will track the 1... more
Dec 17, 2025 12:30 PM
— Mortgage Rates
Mortgage rates dip back down following Fed cut
The article discusses the current mortgage rates, the average national family income, the median price of homes, the recent Federal Reserve rate cut, and the forecast for mortgage rates to stay above 6%. It also touches on the impact of President Trump's tariff policies on inflation and the 10-year Treasury yield.
Dec 16, 2025 10:31 AM
— Mortgage Rates
Cost of Living Calculator - Cost of Living Comparison Index Tool
The article discusses the concept of cost of living, which includes expenses like housing, food, taxes, transportation, healthcare, and entertainment. It explains how cost-of-living calculators work to compare expenses between cities and determine the salary needed to cover basic needs. The article also touches upon discretionary spending and cost-of-living indexes. It emphasizes that factors like... more
Dec 16, 2025 4:32 AM
— Housing Market
There’s still a nationwide shortage of homes — so why are sellers getting desperate in some places?
The housing market in the United States is experiencing a cooling trend, with home prices falling in certain areas and builders offering low mortgage rates. While there is a long-term shortage of homes nationwide, there are also localized gluts of homes for sale. This imbalance is affecting both buyers and sellers, with buyers having more bargaining power in some markets and sellers needing to low... more
Dec 15, 2025 12:31 PM
— Mortgage Rates
30-year mortgage rates rise after the Fed rate cut | Today's mortgage and refinance rates, December 15, 2025
Average mortgage rates were mostly higher, with 30-year fixed, 15-year fixed, and 5/1 ARM rates increasing, while jumbo loan rates declined. The Federal Reserve cut interest rates for the third time but mortgage rates are back to pre-cut levels. Mortgage rates are influenced by the Fed and the economy. Rates as of 12/15/2025 show 30-year fixed at 6.29%, 15-year fixed at 5.63%, 5/1 ARM at 5.61%, an... more
Dec 15, 2025 9:31 AM
— Holiday Spending and Financial Planning
When did Christmas cheer get so pushy? How to get offline and save your money |
Many people are feeling financial strain during the holidays, with a significant percentage planning to spend less. Social media plays a big role in influencing spending habits, with many feeling pressured to buy due to FOMO. Younger clients are spending impulsively on small luxuries to cope with financial stress, often using credit cards or buy now, pay later services. Advice is given on how to b... more
Dec 15, 2025 8:31 AM
— Housing Market
Fewer Americans Expect Financial Improvement In 2026, Survey Finds
Bankrate's recent Financial Outlook Survey found that 32% of Americans believe their personal finances will worsen in 2026, citing reasons such as continued high inflation, work done by elected representatives, stagnant or reduced incomes, and amount of debt. As a result, many are prioritizing goals of paying down debt, saving money for emergencies, and finding additional sources of income. The su... more
Dec 13, 2025 4:32 AM
— Mortgage Rates
30-year mortgage rates unchanged after the Fed announced cutting rates | Today's mortgage and refinance rates, December 12, 2025
Mortgage rates remained stable with minimal movement, despite the Federal Reserve lowering interest rates. The path of mortgage rates will depend on factors such as inflation, the economy, and 10-year Treasury rates. The average rates for different mortgage products have slightly fluctuated over the last week. ARMs have floating interest rates and are best for those who expect to sell or refinance... more
Dec 12, 2025 4:32 AM
— Housing Market
Private health insurance costs are going up. A complete guide to your coverage options
Private health insurance premiums are expected to rise sharply in 2026 due to escalating health care costs and the expiration of enhanced premium tax credits. This could lead to millions losing subsidies and becoming uninsured. Strategies to manage costs include assessing personal health and financial situations and working with a broker to find the best plan. ACA Marketplace plans are recommended... more
Dec 11, 2025 12:30 PM
— Mortgage Rates
30-year mortgage rates increase ahead of Fed meeting | Today's mortgage and refinance rates, December 9, 2025
The article provides average mortgage rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 ARM mortgages. It also mentions Bankrate.com as an independent publisher and comparison service.
Dec 11, 2025 9:30 AM
— Housing Market
Debunking your broker’s “30% rule” — Americans need to set aside 43% of their income for a home
The article discusses how the traditional 30% rule for homebuyers' spending on mortgage payments and fees is becoming outdated due to post-pandemic increases in home prices and mortgage rates. Many households are now spending 43% of their income on buying a median-priced home, leading to steeper trade-offs. Most large metro areas have housing costs that exceed the 30% benchmark, with household inc... more
Dec 11, 2025 4:32 AM
— Mortgage Rates
30-year mortgage rates increase before the Fed meeting | Today's mortgage and refinance rates, December 10, 2025
National mortgage rates have increased, with rates for 30-year fixed, 5/1 ARMs, and jumbo loans rising. Economic data suggests that the Federal Reserve may raise rates in December 2025. Additional data from the government shutdown has begun to impact rates, including the rise of core personal consumption expenditures. Mortgage rates are influenced by 10-year Treasury yields, which have ticked high... more
Dec 11, 2025 4:32 AM
— Interest Rates
Home equity rates hold the line as Fed cuts interest rates
Home equity rates remained steady after the Federal Reserve lowered interest rates by a quarter point at the end of 2025, with the $30,000 home equity line of credit staying at 7.8% and the benchmark five-year home equity loan at 7.99%. The Fed's rate cut is expected to stimulate the economy and lead to further decreases in HELOC and home equity loan rates. Rates are influenced by Federal Reserve ... more
Dec 10, 2025 12:30 PM
— Mortgage Rates
Mortgage rates rise despite Fed cut
The article discusses the current state of mortgage rates, mentioning that the Federal Reserve has cut rates while mortgage rates have risen slightly. It also mentions that fixed mortgage rates are influenced by investor appetite for 10-year Treasury bonds, and that housing economists expect rates to stay above 6%. Additionally, it touches on the U.S. economy losing steam due to President Trump's ... more
Dec 10, 2025 11:31 AM
— Interest Rates
The Fed just cut interest rates again. We asked 5 experts what Americans should do next
The Federal Reserve recently lowered interest rates, making it the sixth rate cut since September 2024. Lower interest rates can save households money on mortgages, car loans, and other borrowing costs. Financial experts suggest reevaluating spending, increasing savings, and paying off high-cost debt in a falling-rate world to maximize financial stability. Stock market sentiment has shifted positi... more
Dec 8, 2025 10:34 AM
— Mortgage Rates
30-year mortgage rates increase before the Fed meeting | Today's mortgage and refinance rates, December 8, 2025
Mortgage rates were mostly higher compared to last week, with increases in rates for 30-year fixed, 15-year fixed, and jumbo loans, while 5/1 ARM rates decreased. Economic data has led to expectations of a rate increase by the Federal Reserve in December. The release of delayed economic data is expected to provide more clarity on where mortgage rates are heading in 2026. Current average rates for ... more
Dec 8, 2025 4:31 AM
— Housing Market
Best And Worst Markets For Homebuyers, Ranked
Bankrate analysis found that Pittsburgh, Detroit, and Birmingham offer the largest selection of affordable homes for typical homebuyers, while coastal metros like New York, Boston, and Los Angeles require six-figure salaries to avoid being priced out. Homeownership has become a luxury in many large U.S. cities, with metro areas in the South and Rust Belt being more affordable.
Dec 8, 2025 3:30 AM
— Housing Market
Priced Out Of 75% Of The Market, Americans' Dream of Homeownership Has Become A Luxury
Julia Sheers and her boyfriend are struggling to find a house they can afford due to the extremely competitive housing market in Charlotte and across the country. Many Americans are finding homeownership unattainable due to low inventory, rising home prices, rapidly increasing mortgage rates, and wages that haven't kept up. Supply of affordable housing is severely limited, pushing homeownership fu... 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.