Mortgage News

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News for: The Mortgage Reports
Showing 73 - 96 of 219 results
Feb 26, 2026 7:31 AM — Home Equity Loans
How Much Can You Borrow With a Home Equity Loan?
The Mortgage Reports
The article discusses how borrowing against your home equity works, including factors that affect your borrowing limit such as credit score, income, and lender policies. It also explains the calculations involved in determining your borrowing power, as well as strategies to maximize it. The text emphasizes the importance of maintaining equity in your home, understanding various types of home equit... more
Feb 25, 2026 12:37 PM — Home Equity Line of Credit (HELOC)
HELOC for Debt Consolidation: Is It the Right Move in 2026?
The Mortgage Reports
The article discusses using a Home Equity Line of Credit (HELOC) to consolidate high-interest credit card debt. It explains the process, benefits, risks, and compares HELOCs to other debt consolidation options. It highlights the lower interest rates of HELOCs compared to credit cards, potential tax benefits, variable rates tied to the prime rate, and the importance of avoiding running up new credi... more
Feb 25, 2026 10:44 AM — Mortgage Lenders
Chase Lending Opens Mortgage Rate Sale Until March 8
The Mortgage Reports
Chase Home Lending is offering a limited time 'rate sale' where borrowers can receive up to a quarter point off their interest rate if they lock in a rate by March 8. The discount can be combined with other offers and borrowers can lock in the discounted rate for up to 90 days. The promotion aims to make homeownership more affordable for customers.
Feb 25, 2026 9:14 AM — Mortgage Rates
Mortgage Rates Hover Near 3-Year Lows | Today, February 25, 2026
The Mortgage Reports
Mortgage rates remain near three-year lows with Treasury yields near resistance levels. Refinancing is attractive with rates at their lowest since September 2022. Rates for 30-year and 15-year fixed mortgages are provided, as well as adjustable rate mortgage averages. Economic data, inflation concerns, and Federal Reserve policies will shape mortgage rates. Freddie Mac reports rates dropping to th... more
Feb 24, 2026 12:32 PM — Reverse Mortgages
How to Qualify for a Reverse Mortgage: 2026 Requirements
The Mortgage Reports
The article discusses the requirements and process for obtaining a Home Equity Conversion Mortgage (HECM) loan, which is a type of reverse mortgage that allows you to access the equity in your home without selling it. It covers age and equity thresholds, financial assessments, property qualifications, the application process, ongoing requirements, and considerations before deciding on a reverse mo... more
Feb 24, 2026 10:21 AM — Refinancing
6% Mortgage Rates Could Put 5.5 Million Borrowers ‘In the Money’ to Refinance
The Mortgage Reports
Industry forecasts predicted decreasing interest rates in 2026, leading to a more favorable borrowing environment. Currently, the average 30-year fixed rate mortgage is at its lowest point since September 2022, providing opportunities for millions of borrowers to refinance and potentially save on their monthly payments. Refinancing can be beneficial even with small reductions in interest rates. It... more
Feb 24, 2026 10:21 AM — Home Equity Loans
Aven Review for 2026: Terms, Access and Customer Feedback
The Mortgage Reports
Aven is a fintech home equity lender offering flexible lines of credit secured by home equity, including a HELOC-style credit card. Borrowers pay interest only on the amount used, and rates are typically variable. Aven offers fast digital approvals and convenience but carries the risks of any loan secured by real estate. It appeals to homeowners seeking on-demand access to equity but may not be su... more
Feb 24, 2026 8:47 AM — Mortgage Rates
Mortgage Rates Hold Steady | Today, February 24, 2026
The Mortgage Reports
Mortgage rates held steady at around 6.07% near three-year lows. Experts advise on refinancing and home equity use. The article discusses rates for 30-year fixed, 15-year fixed, and 5/1 adjustable mortgages. The Federal Reserve is holding rates steady, and experts predict rates to continue trading in a narrow band for the near future.
Feb 23, 2026 11:18 AM — Home Equity Line of Credit (HELOC)
Best Uses for a HELOC: What Every Homeowner Should Know
The Mortgage Reports
A Home Equity Line of Credit (HELOC) allows homeowners to borrow against their home equity with flexible access to funds. Some recommended uses of a HELOC include home improvements, debt consolidation, emergency expenses, or education expenses. It is important to have a clear repayment plan and not use a HELOC for discretionary spending.
Feb 23, 2026 11:18 AM — Mortgage Interest Deductions
Are Reverse Mortgages Tax Deductible in 2026?
The Mortgage Reports
Reverse mortgage interest is only deductible once actually paid, not when added to the balance. The interest is typically deductible only when the loan is repaid through a sale, refinance, or payoff, not annually. Reverse mortgage proceeds are not taxable income but are treated as loan advances. There are limits on how much interest you can deduct, and it is recommended to work with a CPA or tax a... more
Feb 23, 2026 10:56 AM — Mortgage Rates
Mortgage Rates Drift Lower | Today, February 23, 2026
The Mortgage Reports
Mortgage rates have slightly decreased, remaining near three-year lows. The economic landscape presents various factors affecting rates, including inflation concerns and tariff uncertainty. Rates for the 30-year fixed mortgage and 15-year fixed mortgage are discussed, along with adjustable-rate mortgages. Experts expect rates to remain stable in February. The Federal Reserve is in wait-and-see mod... more
Feb 21, 2026 10:31 AM — Mortgage Rates
Mortgage Rates Up Slightly | Today, February 20, 2026
The Mortgage Reports
Mortgage rates have edged up from yesterday but remain within a narrow range since late 2025. Economic signals are mixed due to steady Treasury yields and cautious investor sentiment. The average 30-year fixed mortgage rate reached a certain percentage. The average 15-year fixed mortgage rate also went to a certain percentage. The 5/1 adjustable rate mortgage had an average rate. Factors influenci... more
Feb 21, 2026 6:35 AM — Housing Market
Northeast Leads Top Cities for 2026 First-Time Home Buyers
The Mortgage Reports
First-time home buyers are facing challenges due to low affordability, high competition, and a lack of starter houses on the market. However, conditions are expected to improve in 2026 with inventory rebounding and mortgage rates decreasing. Various housing markets offer more manageable paths to homeownership for first-time buyers with reasonable prices, preferable locations, and solid employment ... more
Feb 19, 2026 10:12 AM — Mortgage Rates
Mortgage Rates Steady | Today, February 19, 2026
The Mortgage Reports
Mortgage rates are currently near their lowest levels in over three years, with recent economic signals being mixed and inflation concerns possibly keeping rate movements modest in the near term. Experts suggest considering refinancing or tapping into home equity. The average 30-year fixed mortgage rate is %, with the 15-year fixed rate at %. Adjustable-rate mortgages are also available with a % r... more
Feb 19, 2026 7:20 AM — Home Equity Investment (HEI)
HEI vs. HELOC Over 10 Years: Which Costs More?
The Mortgage Reports
When choosing between a home equity investment (HEI) and a HELOC, it is important to consider the long-term costs. HELOC accrues interest and requires repayment, while HEI is based on your home's future value. Over a 10-year period, the costs for both options are structured differently, with HEI potentially costing less than HELOC when home appreciation is limited or when repayment based on future... more
Feb 18, 2026 10:32 AM — Mortgage Rates
Mortgage Rates Inch Up | Today, February 18, 2026
The Mortgage Reports
Mortgage rates have edged up slightly for the second consecutive day. Despite mixed economic signals, rates are expected to remain near three-year lows for the near-term. The 30-year fixed mortgage rate currently stands at %, while the 15-year fixed mortgage rate is at %. Economic factors like Treasury yields, geopolitical tensions, and labor market data are influencing the mortgage rates. Experts... more
Feb 18, 2026 6:35 AM — Mortgage Rates
Mortgage Rates Rise | Today, February 17, 2026
The Mortgage Reports
Mortgage rates have slightly increased but are still near three-year lows. The economic landscape is mixed, with improving inflation data offset by strong labor market and cautious housing demand. Rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable rate mortgages are provided. Market sentiment is cautious due to inflation and labor market signals. The Federal Reserve is ... more
Feb 18, 2026 5:46 AM — Home Equity Agreements
Home Maintenance Rules for Home Equity Agreements (HEAs)
The Mortgage Reports
Home equity agreements (HEAs) allow homeowners to access cash from their home's equity without making monthly payments. However, homeowners are required to maintain their homes and adhere to specific maintenance rules outlined in the HEA contracts to ensure the property's value is preserved. Neglecting maintenance can lead to a decrease in the home's value, posing a risk to the provider. Responsib... more
Feb 18, 2026 4:31 AM — Home Equity Investments
Companies With Highest HEI Limits: Top 10 Ranked for 2026
The Mortgage Reports
Home equity investments can unlock significant amounts of cash without monthly payments, with providers offering different maximum investment amounts ranging from $150,000 to $600,000. Factors such as the percentage of the home's future value given up in exchange and various contract terms distinguish different providers. Homeowners should consider their specific situation, home value, equity, cre... more
Feb 17, 2026 10:46 AM — Mortgage Lenders
More Mortgage Competition Could Mean Better Rates for Buyers
The Mortgage Reports
Federal regulators are considering easing certain mortgage-related requirements for banks in order to encourage big banks to compete more aggressively in the mortgage market. This potential change could lead to more lenders fighting for business, resulting in better deals for borrowers. The shift towards lenders competing more aggressively could improve affordability, especially in today's housing... more
Feb 17, 2026 5:22 AM — Home Equity Line of Credit (HELOC)
HVAC Impact on HELOC Appraisal: Protect Your Home Equity
The Mortgage Reports
The article explains how HVAC systems can impact HELOC appraisals, as appraisers assess the age, condition, and functionality of the system to determine the home's overall condition rating and market value. Upgrades to HVAC systems can either increase or decrease appraised value. Appraisers consider factors like the type of system, age, visible condition, and functionality. HVAC upgrades may not s... more
Feb 16, 2026 9:54 AM — Reverse Mortgages
American Senior Lending Review 2026
The Mortgage Reports
American Senior Lending is a reverse mortgage brand that specializes in FHA-insured HECM loans for homeowners age 62 and older. It operates as a DBA of HighTechLending, Inc. The company emphasizes education and specialization over broad product variety or national pricing scale. While it may not offer as many product variations or competitive pricing as larger lenders, it may be a good fit for sen... more
Feb 16, 2026 9:52 AM — Home Equity Agreements
Do You Still Own Your House in a Home Equity Agreement?
The Mortgage Reports
Home equity agreements allow homeowners to access their home's equity without making monthly payments, while still retaining legal ownership and control of the property. Providers gain a financial interest in the home's future value through a recorded lien and can enforce repayment if contract terms are not met. Homeowners must settle the agreement at specific trigger events, such as a sale or ref... more
Feb 16, 2026 9:37 AM — Mortgage Lenders
Can an HEA Sit in Third Position Behind a HELOC?
The Mortgage Reports
HEAs can be placed in third position behind an existing first mortgage and HELOC, but many providers do not allow this. Providers usually prefer a higher lien position to reduce repayment risk. Approval for a third-position HEA depends on existing liens, remaining equity, and level of risk. Providers often require paying off or closing an existing HELOC before approving an HEA. Refinancing with a ... more
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