Mortgage News

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News for: The Mortgage Reports
Showing 97 - 120 of 219 results
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
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 Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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?
The Mortgage Reports
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)
The Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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.
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