Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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News for: The Mortgage Reports
Showing 97 - 120 of 210 results
Feb 11, 2026 1:23 PM
— Home Equity Line of Credit (HELOC)
First-Lien HELOC on Paid Off Home: How It Works in 2026
The article discusses first-lien HELOCs on paid-off homes, explaining how they work, the draw period and repayment phase, variable interest rates, lien position, rates comparison, qualifications, application process, and other options like cash-out refinance or home equity loan. It highlights that first-lien HELOCs offer lower rates and better terms than second-lien options, and that paid-off home... more
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 10, 2026 3:38 PM
— Home Equity Investments (HEIs)
Home Equity Investment for Low Credit: Credit Score Requirements
The article discusses how homeowners with low credit scores can still access home equity through home equity investments (HEIs) as an alternative to traditional loans. HEIs involve cash-for-equity swap with investment companies, which are based on the home's future value rather than the borrower's credit score. While credit scores as low as 500-550 are accepted, approval is not solely based on cre... more
Feb 10, 2026 1:38 PM
— Home Equity Investment Agreements
Do HEI Investors Get a Cut of the Value You Create With Renovations?
Most Home Equity Investment agreements involve sharing a percentage of your home's appreciation with the investor at the end of the term. This includes any value added to your home through improvements like building an ADU. The investor typically gets a share of all increases in the property's market value, not just market-driven changes. Some contracts may allow for adjustments or carve-outs for ... more
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 1:38 PM
— Mortgage Rates
Mortgage Rates Up, Retail Sales Disappoint | Today, February 10, 2026
Mortgage rates have been increasing but remain at attractive levels compared to previous years. The article provides insights on refinancing, tapping into home equity, and advice for hopeful home buyers. It also discusses the average 30-year fixed mortgage rate, the average 15-year fixed mortgage rate, and the 5/1 adjustable rate mortgage. The housing market is showing signs of stabilization, and ... more
Feb 9, 2026 8:32 AM
— Mortgage Rates
Mortgage Rate Rollercoaster Continues | Today, February 5, 2026
Mortgage rates experienced an up-and-down week, reaching attractive levels compared to recent years. The average 30-year fixed mortgage rate sits at a certain percentage, while the average 15-year fixed mortgage rate is also given. Mortgage rates are influenced by economic indicators, the Federal Reserve's stance, and broader economic signals. Various organizations forecast mortgage rates for 2026... more
Feb 9, 2026 6:35 AM
— Mortgage Rates
Mortgage Rates Dip to Kick Off Week | Today, February 9, 2026
Mortgage rates slightly decreased today but may face upward pressure in the near term. Rates are still attractive compared to previous years. The article discusses average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable rate mortgages. It also mentions the stabilizing housing market and the influence of economic indicators and Federal Reserve policies on mortgage rat... more
Feb 6, 2026 3:17 PM
— Home Equity Loans
Your Home’s Value Has Soared—Should You Use the Equity?
The article discusses how homeowners can access the equity in their homes through appreciation, explaining the three main ways to tap into this equity: home equity line of credit (HELOC), home equity loan, and cash-out refinance. It also highlights the risks involved in borrowing against home equity and the importance of understanding qualification requirements and choosing the right option based ... more
Feb 6, 2026 8:32 AM
— Mortgage Rates
Mortgage Rates Inch Up Ahead of Weekend | Today, February 6, 2026
Mortgage rates have followed yesterday's growth and slightly increased this morning, with the 30-year fixed rate ending the week at a high point. Despite this increase, rates remain lower than a year ago overall. The article also discusses options for refinancing or tapping into home equity, as well as advice for hopeful home buyers in 2026. The piece also touches on the stability of the housing m... 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 5, 2026 1:10 PM
— Mortgage Lenders
Fastest HELOC Lenders of 2026: Top 5 for Quick Approval and Funding
During the third quarter of 2025, HELOC balances and credit limits increased significantly. Different online HELOC lenders offer varying processing times, with some approving applications in minutes and funding in as little as three days. Some lenders offer large credit lines, while others cater to those with lower credit scores. Other fast funding options include personal loans and 0% APR credit ... more
Feb 5, 2026 5:32 AM
— HELOC Appraisal
10 Tips for Passing Your HELOC Appraisal with Ease
The article discusses the importance of a home equity line of credit (HELOC) appraisal in securing a line of credit using your existing property value. It provides tips on how to prepare your home for a HELOC appraisal to potentially increase your borrowing amount. The article also highlights the key areas the appraiser looks at in your home and suggests various improvements and repairs to help in... more
Feb 4, 2026 2:30 PM
— Mortgage Lenders
Credit Union vs Bank Home Equity Loans: Better Rates in 2026
This article compares credit unions and banks in terms of home equity loan rates, explaining that credit unions typically offer lower rates due to their cooperative ownership structure. Credit unions also tend to have lower fees and overall borrowing costs. Additionally, credit unions may provide a more personalized lending experience compared to banks.
Feb 3, 2026 9:26 AM
— Mortgage Rates
Mortgage Rates Rise, Job Reports Delayed | Today, February 3, 2026
Mortgage rates grew in the morning due to a partial government shutdown delaying key jobs reports. Overall, rates are at attractive levels compared to previous years. The average 30-year fixed mortgage rate is %, while the 15-year fixed mortgage rate is %. Adjustable-rate mortgages are also available. The Federal Reserve's recent stance and economic signals are shaping the landscape for mortgage r... more
Feb 3, 2026 3:48 AM
— Home Equity Investments
HEI Contract Review Checklist: Key Clauses You Must Understand
Home equity investments (HEIs) are marketed as a simpler alternative to borrowing, where you get cash upfront with no monthly payments or interest. However, HEI contracts establish a long-term equity partnership between you and the provider, with financial impacts unfolding over time. The contract determines how future home value will be shared, who controls key decisions, and how the arrangement ... more
Feb 2, 2026 8:36 PM
— Mortgage Rates
Mortgage Rates Drop Back Down | Today, February 4, 2026
Mortgage rates reversed their growth and fell this morning, contributing optimistic economic indicators for borrowers. Rates are currently at attractive levels compared to recent years. The 30-year fixed mortgage rate is %. The article discusses the benefits and drawbacks of different types of mortgages such as 30-year fixed, 15-year fixed, and 5/1 adjustable-rate mortgages. It also mentions the c... more
Feb 2, 2026 1:43 PM
— Home Equity Loans and HELOCs
Can You Tap Home Equity to Buy Your Next Home? | 2026
The article discusses using home equity to purchase a new property by explaining how home equity loans and HELOCs can be utilized, the calculations involved, and the steps to take from estimation to closing. It also compares the pros and cons of HELOCs and home equity loans, emphasizing the importance of choosing the right product based on individual circumstances.
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 8:24 AM
— Mortgage Rates
Mortgage Rates Dip on Monday | Today, February 2, 2026
Mortgage rates are currently at attractive levels, offering options for refinancing or tapping into home equity. The average 30-year fixed mortgage rate is %, while the average 15-year fixed rate is %. Adjustable-rate mortgages (ARMs) have lower initial rates but adjust based on market conditions. The Federal Reserve's recent stance and economic signals are shaping the mortgage rate landscape, wit... more
Jan 30, 2026 11:33 AM
— Home Equity Investments
Home Equity Investment Fees & Tax Implications in 2026
Home equity investments do not require monthly payments but are tied to changes in your home's value over time. Providers receive their returns only when the agreement ends, which can lead to a significant amount owed if the home appreciates. Costs include upfront fees, ongoing charges, and settlement costs. Tax treatment is different from traditional loans and can create tax consequences later on... more
Jan 30, 2026 9:32 AM
— Mortgage Rates
Mortgage Rates Drift Lower, Fed Chair Chosen | Today, January 30, 2026
Mortgage rates are near three-year lows, with the 30-year fixed rate mortgage average at 6.10%. The market remains uncertain due to various economic signals, with expectations for rates to nudge upward or remain steady. Industry forecasts predict rates to stay between 6% and 6.5%. The Federal Reserve's caution around inflation and housing market fundamentals also impact rates. Rates are expected t... more
Jan 29, 2026 11:33 AM
— Mortgage Rates
Mortgage Rates Mostly Flat After Fed Hold | Today, January 29, 2026
Mortgage rates only moved slightly after the Federal Reserve held rates. Economic indicators show potential for rates to increase. The article discusses the current average rates for 30-year fixed mortgages and 15-year fixed mortgages, as well as adjustable-rate mortgages. It also provides advice for home buyers, sellers, and those considering refinancing. The article mentions that mortgage rates ... 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.