Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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News for: The Mortgage Reports
Showing 121 - 144 of 212 results
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
Jan 29, 2026 11:32 AM
— Housing Market
Affordability Swings Toward Home Buying Over Renting in 2026
The article discusses the affordability of buying versus renting a home in the U.S. in 2026. It highlights that it is generally cheaper to buy a home than rent in many counties, especially in the Midwest and South. The article also mentions the importance of factors like down payments, mortgage rates, property taxes, and insurance in the decision-making process. It provides data on the most afford... more
Jan 28, 2026 11:32 AM
— Reverse Mortgages
New Data Analysis Shows Top States for HECMs
HECMs, or Home Equity Conversion Mortgages, are a popular type of reverse mortgage commonly used by older homeowners to access money from their home without making monthly mortgage payments. The program is backed by the FHA and requires a HUD-approved counseling session. California had the highest number of HECMs taken out over the last three years, followed by Florida, Texas, Arizona, and Colorad... more
Jan 28, 2026 9:38 AM
— Mortgage Lenders
Rebecca Safier, contributor
Rebecca Safier is a personal finance writer with expertise in mortgages and related topics. She has written for various publications and has a background in English and education. The article provides information on determining affordability based on home price, monthly payment, and income. It also mentions reduced costs and rates for military members, zero-down loans from the USDA, and down payme... more
Jan 28, 2026 9:00 AM
— Mortgage Rates
Mortgage Rates Dip Ahead of Fed Decision | Today, January 28, 2026
Mortgage rates regressed this morning, with the average 30-year fixed mortgage rate currently at 6.17%. Experts advise borrowers to consider refinancing or tapping into home equity. Adjustable-rate mortgages have lower initial rates but adjust based on market conditions later. The Federal Reserve will announce its rate decision today at 2pm ET, expected to remain stable. Different mortgage rate fo... more
Jan 27, 2026 11:32 AM
— HELOC Eligibility
How Combined Loan-to-Value Ratio Impacts HELOC Approval
When applying for a home equity line of credit (HELOC), the combined loan-to-value ratio (CLTV) plays a crucial role in the lender's decision. CLTV is determined by the total loans on your home compared to its value. Most lenders set maximum CLTV thresholds to determine approval and credit line amounts. Your mortgage balance, home value changes, and refinancing activity can impact your CLTV and HE... more
Jan 27, 2026 9:00 AM
— Home Equity Lines of Credit (HELOCs)
Is a Variable Rate HELOC Too Risky in Today’s Market?
The article discusses the risks and benefits of a variable-rate Home Equity Line of Credit (HELOC). It explains how HELOC rates change, factors to consider before getting a HELOC, potential risks of rate increases, and strategies to mitigate those risks, including paying down the principal, locking in a fixed rate, and using a home equity loan instead.
Jan 27, 2026 6:31 AM
— Home Equity Line of Credit (HELOC)
HELOC Draw Limits: Daily and Monthly Withdrawal Rules Explained
The article discusses how HELOC draw limits are set by lenders to determine how much a borrower can withdraw per day or per transaction, regardless of their available balance. It explains the differences between daily and monthly limits, as well as the various access methods like convenience checks, electronic transfers, wire transfers, and access cards. Additionally, it talks about HELOC draw per... more
Jan 26, 2026 9:37 AM
— Mortgage Rates
Mortgage Rates Static on Monday | Today, January 26, 2026
Mortgage rates remained steady over the weekend, providing low rates for those looking to purchase a home or refinance. The economic indicators are neutral, keeping interest rate movements flat for now. The average 30-year fixed mortgage rate is at 6.20%. Experts are advising on whether to refinance or tap into home equity, while also discussing financial assistance programs. Freddie Mac reports r... more
Jan 26, 2026 4:33 AM
— Interest Rates
Federal Reserve Holds Rates in January
The Federal Reserve paused cutting the federal funds range in January, signaling a wait-and-see approach due to economic expansion and uncertainty. Mortgage rates varied after recent Fed decisions, with some decreases and slight increases. Interest rates followed a downward trajectory over the past few months. The Fed may need to see a decrease in the inflation rate or weakening employment before ... more
Jan 26, 2026 3:34 AM
— Mortgage Interest Deductibility
Is a HELOC Tax-Deductible in 2026?
The deductibility of interest on a home equity line of credit (HELOC) depends on how the funds are used, not the loan itself. Under current tax rules, interest may be tax-deductible when the money is used for buying, building, or substantially improving the taxpayer's home. Qualifying improvements must add value to the home, extend its useful life, or adapt it for new uses. Cosmetics upgrades, rou... more
Jan 24, 2026 8:31 AM
— Mortgage Rates
Mortgage Rates Grow on Friday | Today, January 23, 2026
The article discusses how mortgage rates rose slightly at the end of the week but are significantly lower than the previous year. It also provides insight into different mortgage rates such as 30-year fixed, 15-year fixed, and 5/1 adjustable rate mortgages. The data from Freddie Mac is used to illustrate the fluctuation in rates over time. Additionally, economic reports and surveys are mentioned t... more
Jan 23, 2026 9:31 AM
— Housing Market
Top Retiree Homebuying Hotspots for 2026
The housing market is posing challenges for retirees due to rising costs of living and property values. Many retirees struggle to pay expenses and are spending retirement savings faster than expected. With the U.S. approaching a peak retirement age zone, StorageCafe analyzed the best cities for retirees based on quality of life, affordability, and comfort. The top 10 housing markets for retirees i... more
Jan 23, 2026 5:46 AM
— Home Equity Investment (HEI)
Hometap Review for 2026: Terms, Access and Customer Feedback
Hometap is a home equity investment company that offers homeowners a lump-sum cash investment in exchange for a share of future home value, without interest charges or monthly payments. They provide transparency on outcomes based on market conditions and have a focus on affordability, access, risk sharing, transparency, and customer experience.
Jan 23, 2026 4:31 AM
— Mortgage Lenders
Can Retirees Use HELOCs Safely?
Retirees facing uneven income streams may consider using a home equity line of credit (HELOC) to manage short-term cash needs. However, while a HELOC can provide flexibility, it can also add stress to a fixed budget, especially in retirement when income is not as consistent. Risks such as variable interest rates, lender freezes or reductions, health-related expenses, and longevity risk should be c... more
Jan 21, 2026 9:04 AM
— Mortgage Rates
Mortgage Rates Grow Wednesday | Today, January 21, 2026
Mortgage rates increased for the second day in a row but remain low compared to recent levels. The market data suggests that interest rates might move higher in the near-term due to expanding Treasury yields and rebounding stocks. Experts suggest exploring refinancing or tapping into home equity for homeowners. The average 30-year fixed mortgage rate is at 6.19%, while the average 15-year fixed ra... more
Jan 21, 2026 5:24 AM
— HELOC Limits
How Lenders Decide Your HELOC Credit Limit
HELOC limits are not solely based on equity, but on internal risk calculations that take into account factors such as credit tier, income stability, existing debt, and appraisal value. Advertised CLTV limits may not be realistic for most borrowers, as lenders apply additional requirements and overlays. Lenders adjust HELOC limits based on changing risk conditions, such as declining home values or ... more
Jan 20, 2026 1:03 PM
— Mortgage Rates
Will Rates Get Cut at the January Fed Meeting?
The article discusses the Federal Reserve's upcoming Open Market Committee meeting and the potential for a rate cut. It mentions the factors influencing the decision, such as inflation rates, economic indicators, and the Fed's past actions. The article also touches on mortgage rates, the relationship between the Fed's actions and interest rates, and offers advice on locking in rates or waiting.
Jan 20, 2026 8:28 AM
— Mortgage Rates
Mortgage Rates Inch Up on Tuesday | Today, January 20, 2026
Mortgage rates rose slightly, but are still near three-year lows. The average 30-year fixed mortgage rate is 6.14%. The average 15-year fixed rate is 5.52%. Adjustable-rate mortgages are also available. Rates are stabilizing, allowing for better budget planning. Economic indicators are mixed, which could keep rate movements subdued. Different experts offer advice for those looking to refinance or ... more
Jan 19, 2026 12:24 PM
— Home Equity Line of Credit (HELOC)
Should You Open a HELOC and Not Use It?
Some homeowners open a home equity line of credit (HELOC) without immediate plans to use it in order to have access to optional liquidity without taking on debt. This strategy can be beneficial for those with stable income, strong credit, and a disciplined approach to borrowing. It can also provide advantages like securing funding for future home improvements before costs rise. However, it is not ... more
Jan 19, 2026 7:44 AM
— Mortgage Lending
A Faster Fix for Home Affordability With Bigger Long-Term Costs
The Trump administration abandoned the idea of the 50-year mortgage plan and instead proposed allowing buyers to use their retirement savings and 529 college funds for down payments, penalty-free. This shift, while helpful for increasing homeownership, comes with significant financial risks as it involves spending future retirement funds which may result in lost opportunities for compound growth, ... more
Jan 16, 2026 8:44 AM
— Mortgage Rates
Mortgage Rate Tumble Continues Friday | Today, January 16, 2026
Mortgage rates have reached their lowest point since 2022, with rates dropping to three-year lows for both 30-year and 15-year fixed mortgages. The current average 30-year fixed mortgage rate is at 6.11%. Adjustable-rate mortgages (ARMs) are also available, with an average rate of 5.50%. Economic indicators suggest that interest rates could trend upward in the short term, making it a good time to ... more
Jan 15, 2026 9:31 AM
— Mortgage Rates
Mortgage Rates Drop Again on Thursday | Today, January 15, 2026
Mortgage rates have decreased recently, providing an opportunity for borrowers. The article discusses different mortgage rates, their averages, and the potential for refinancing or tapping into home equity. Economic indicators suggest upward pressure on interest rates in the near-term. The article also mentions expert advice for hopeful home buyers in 2026 and financial assistance programs. Additi... 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.