Mortgage News

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News for: The Mortgage Reports
Showing 73 - 96 of 210 results
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
Feb 16, 2026 9:18 AM — Mortgage Rates
Mortgage Rates Ease On Presidents Day | Today, February 16, 2026
The Mortgage Reports
Mortgage rates remained relatively steady over the Presidents Day weekend, dropping slightly. Rates are near three-year lows, presenting an opportunity for refinancing or tapping into home equity. Industry experts expect rates to stay between 6% and 6.5% in the near future, influenced by inflation trends and labor market strength.
Feb 14, 2026 8:32 AM — Mortgage Rates
Mortgage Rates Tick Down | Today, February 13, 2026
The Mortgage Reports
Mortgage rates held steady over Presidents Day weekend, and there is a balanced outlook for the near term. Rates are near three-year lows, encouraging refinancing and home equity tapping. Various fixed-rate mortgages hit record lows or highs, and adjustable-rate mortgages offer lower initial rates. Currently, the market is experiencing intraday swings and experts predict a continued stability in r... more
Feb 14, 2026 4:31 AM — Mortgage Lenders
How to Use Loan Modification to Access Home Equity
The Mortgage Reports
A home equity loan modification is a permanent change to existing loan terms to make monthly payments more affordable during financial hardship. It helps struggling borrowers stay in their homes by adjusting payment terms, interest rates, or repayment periods. Qualification requires proof of hardship and ability to afford modified payments. The process typically takes 30 to 90 days. If denied, see... more
Feb 13, 2026 11:02 AM — Mortgage Lenders
Longbridge Financial Review for 2026
The Mortgage Reports
Longbridge Financial is a nationwide reverse mortgage lender that specializes in FHA-insured HECMs and proprietary jumbo loans. They prioritize education and flexibility, offer competitive pricing, and are known for their consultative customer experience. While not the largest lender, they have a strong reputation among seniors seeking guidance and options beyond a standard FHA reverse mortgage.
Feb 13, 2026 10:36 AM — Housing Market
Using Home Equity Lines of Credit During Market Downturns
The Mortgage Reports
The article discusses using a home equity line of credit (HELOC) as a financial bridge during market downturns to avoid selling investments at a loss. It covers when to open a HELOC, the approval process, risks, and various options available when needing cash. It also emphasizes the importance of discipline and caution when utilizing a HELOC, as foreclosure is a possibility if payments cannot be m... more
Feb 13, 2026 4:33 AM — Mortgage Rates
Mortgage Rates Inch Up | Today, February 12, 2026
The Mortgage Reports
Mortgage rates have slightly risen but continue to remain favorable, leading to modest rate movements due to mixed economic signals. The article suggests considering refinancing or tapping into home equity. Different types of mortgages offer varying interest rates with the 30-year fixed rate mortgage currently at % and the 15-year fixed rate mortgage at %. Adjustable-rate mortgages are also availa... more
Feb 12, 2026 1:45 PM — Home Equity Loans
How to Pay an Unexpected Hospital Bill Using Home Equity
The Mortgage Reports
The article discusses how seniors can use home equity to pay for unexpected hospital bills to protect their retirement savings. It emphasizes the importance of checking for billing errors, financial assistance, and payment plans before considering home equity options to avoid long-term financial consequences.
Feb 12, 2026 8:53 AM — Home Equity Loans
How to Settle a Home Equity Agreement Without Selling Your Home
The Mortgage Reports
The article explains how to repay a home equity investment agreement without selling your home by using financing options such as a HELOC, home equity loan, or cash-out refinance. It details the process of determining the payoff amount, the factors that influence the settlement amount, and how to start the settlement process before the agreement's term ends to avoid delays.
Feb 12, 2026 5:15 AM — Mortgage Lenders
HELOC for Home Accessibility Upgrades (Ramp or In-Law Suite)
The Mortgage Reports
The article discusses the use of a Home Equity Line of Credit (HELOC) to fund home renovations for accessibility, such as building a mother-in-law suite or adding ramps. It highlights the benefits of HELOCs, such as lower costs and flexibility in borrowing only what is needed. However, it also emphasizes the importance of careful financial planning and considering the risks associated with HELOCs,... more
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