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 97 - 120 of 368 results
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The article discusses how the traditional 30% rule for homebuyers' spending on mortgage payments and fees is becoming outdated due to post-pandemic increases in home prices and mortgage rates.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
Dec 5, 2025 1:30 PM
— Mortgage Rates
30-year mortgage rates increase - When will rates change? | Today's mortgage and refinance rates, December 5, 2025
The article discusses the current average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 ARMs. It also mentions Bankrate.com as an independent publisher and comparison service.
Dec 5, 2025 4:31 AM
— Auto Loan Delinquencies
Auto Loan Delinquencies Hit 15-Year High
More Americans are falling behind on their car payments, with auto loan delinquencies at their highest level since the year after the Great Recession. Auto loan delinquencies have been rising due to increased costs of owning and financing a car, including higher monthly payments, vehicle prices, and interest rates. The rise in delinquencies is causing financial strain on consumers with increased d... more
Dec 3, 2025 12:30 PM
— Home Equity Rates
Little change in home equity rates ahead of Fed decision
Home equity rates for a $30,000 line of credit remained unchanged at 7.81% while a five-year home equity loan fell to 7.99%, its lowest level in two years. These rates are influenced by the Federal Reserve's actions and lender competition. Using home equity can be cost-effective for renovations or debt consolidation, but it's important to consult with an advisor before making decisions.
Dec 3, 2025 12:30 PM
— Mortgage Rates
Mortgage Rates Fall Amid Hopes Of Fresh Fed Cut
The article discusses the current mortgage rates, housing market conditions, and the impact of the Federal Reserve's actions on mortgage rates. It mentions the average mortgage rate, national median family income, median home price, the effect of the Fed's rate cut, and the uncertainty in the market regarding future rate cuts. It also touches on factors influencing mortgage rates like inflation, T... more
Dec 2, 2025 4:30 PM
— Mortgage Rates
30-year mortgage rates decline - How often do rates change? | Today's mortgage and refinance rates, December 2, 2025
Average mortgage rates showed mixed movement with some loan products increasing and others decreasing. The decrease in bond yields, driven by a declining jobs report and consumer confidence in the economy, resulted in fluctuations in mortgage rates. The upcoming Federal Open Market Committee announcement may further impact mortgage rates. Currently, the average rates for various mortgage products ... more
Dec 2, 2025 4:33 AM
— Housing Market
The penny is out. Experts weigh in on what it means for consumers |
The U.S. has stopped producing pennies due to high costs, and some stores are already rounding prices to the nearest nickel. There are concerns about how this rounding will impact consumers financially, with some arguing that a 'rounding tax' will be imposed. While some retailers have started rounding down in the customers' favor, no official rounding rules exist in the U.S. Electronic payments wi... more
Dec 1, 2025 6:31 AM
— Bank Account Bonuses
Best Bank Bonuses and Promotions Of December 2025
The article discusses various bank account bonus promotions offered by different banks such as Chase Bank, PNC Bank, BMO Bank, Wells Fargo, KeyBank, SoFi Bank, E*TRADE, TD Bank, Capital One, M&T Bank, and more. It highlights the requirements to earn these bonuses and cautions readers to consider the fine print, fees, and ATM accessibility before opening an account solely for the bonus purposes. It... more
Nov 29, 2025 4:30 AM
— Mortgage Rates
30-year mortgage rates decline - When will rates change? | Today's mortgage and refinance rates, November 28, 2025
Mortgage interest rates have mostly decreased compared to last week, with average rates for 30-year fixed, 15-year fixed, and 5/1 ARM mortgages moving lower. The decline in bond yields, driven by negative job reports and consumer confidence, has influenced these rate changes. The Mortgage Rate Variability Index was at 5 out of 10, showing an average deviation in mortgage offers. The average rate f... more
Nov 27, 2025 7:30 AM
— Mortgage Rates
30-year mortgage rates fall - How long will rates stay here? | Today's mortgage and refinance rates, November 27, 2025
Mortgage interest rates have mostly decreased, with the 30-year fixed, 15-year fixed, and 5/1 ARM rates moving lower, while jumbo loan rates rose. Bond yields have decreased due to a declining jobs report and consumer confidence in the economy also dropped. The Federal Open Market Committee announcement on Dec. 10 may impact mortgage rates. Average mortgage rates are currently lower than the histo... more
Nov 26, 2025 7:30 AM
— Mortgage Rates
30-year mortgage rates decline - When should you lock? | Today's mortgage and refinance rates, November 26, 2025
National mortgage rates showed a mixed trend with 30-year fixed, 15-year fixed, and 5/1 ARM rates declining, while jumbo loan rates increased. There is a possibility of rates going lower due to New York Fed President John Williams hinting at rate cuts in December. The 10-year Treasury bond yield dropped in response. Federal Reserve officials are divided on future rate cuts based on concerns about ... more
Nov 26, 2025 5:30 AM
— Home Equity Rates
Holiday week brings little change to home equity rates
Home equity rates have seen minimal movements this Thanksgiving week, with the $30,000 home equity line of credit remaining at 7.81% and the benchmark five-year $30,000 home equity loan slightly increasing to 8.01%. Rates have stayed within a tight range throughout November, with experts advising borrowers to focus on their financial situation rather than small rate fluctuations. Factors influenci... more
Nov 26, 2025 4:31 AM
— Mortgage Rates
30-year mortgage rates decrease - When will they fall? | Today's mortgage and refinance rates, November 25, 2025
National mortgage rates remained stable, with minimal movement in most loan products indicating stability in the market. Bond yields responded to New York Fed President John Williams' speech by sliding, potentially leading to a decrease in rates. There is growing disagreement among the Federal Reserve on whether to cut rates. Mortgage rates could continue trending downward before the next Fed meet... more
Nov 25, 2025 5:31 PM
— Interest Rates
30-year mortgage rates rise - Should you wait? | Today's mortgage and refinance rates, November 21, 2025
Mortgage interest rates have increased recently, following the Federal Reserve Board's decision to lower the benchmark rate. The reopening of the U.S. government is expected to lead to delayed economic reports that could affect the market. Weak economic data may result in dropping mortgage rates. Fluctuations in the stock market also impact rates, with recent movements pushing investors towards le... more
Nov 25, 2025 3:31 PM
— Mortgage Rates
Mortgage Rates Fall Amid Economic Volatility
The article discusses the current mortgage rates, national median family income, home prices, and the impact of the Federal Reserve's decisions on mortgage rates. It also mentions the uncertainty in the market due to factors like President Trump's tariff policies.
Nov 25, 2025 9:30 AM
— Mortgage Rates
Builders Are Dangling Super-Low Mortgage Rates — But There’s A Catch
Homebuilders are offering lower mortgage rates to entice buyers of new homes, with rates for new construction buyers averaging 5.27% compared to 6.26% for existing home buyers. Builders are reluctant to discount sale prices, so they are instead reducing mortgage rates to attract buyers. This tactic poses the risk of homeowners owing more than the house is worth. Builders typically have their own l... more
Nov 25, 2025 4:30 AM
— Mortgage Rates
30-year mortgage rates increase - Should you wait? | Today's mortgage and refinance rates, November 24, 2025
Mortgage rates have risen but could potentially head downward as bond yields respond to New York Fed President John Williams' speech. The Fed is weighing a cooling job market against the risk of sparking higher inflation, with growing disagreement on whether to cut rates. The average rates for 30-year fixed, 5/1 ARMs, and jumbo loans have all increased slightly. Rates are lower than historical ave... more
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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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