Mortgage News

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News for: The Mortgage Reports
Showing 145 - 168 of 219 results
Jan 21, 2026 5:24 AM — HELOC Limits
How Lenders Decide Your HELOC Credit Limit
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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?
The Mortgage Reports
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 Mortgage Reports
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
The Mortgage Reports
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
The Mortgage Reports
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
Jan 15, 2026 4:36 AM — Mortgage Rates
Mortgage Rates Drift Lower Wednesday | Today, January 14, 2026
The Mortgage Reports
Mortgage rates have come down slightly, offering borrowers favorable conditions. The 30-year fixed mortgage rate is 6.14%, while the 15-year fixed rate is 5.53%. Economic indicators suggest rates could continue to trend lower. Experts advise on whether to refinance, tap into home equity, or take advantage of assistance programs. There are also forecasts for mortgage rate trends in 2026 from organi... more
Jan 13, 2026 1:08 PM — Mortgage Lenders
What Happens to Your HELOC if Home Values Drop?
The Mortgage Reports
Home values can fluctuate due to various factors, but a decrease in value does not automatically change the terms of a Home Equity Line of Credit (HELOC). Lenders have the right to re-evaluate accounts if the risk increases, which can lead to freezing or reducing the credit limit, but demanding immediate repayment due to a value decline is rare. Lender actions typically target future access to cre... more
Jan 13, 2026 9:39 AM — Mortgage Rates
Mortgage Rates Flat, Inflation Higher for Essentials | Today, January 13, 2026
The Mortgage Reports
Mortgage rates are staying low, with the 30-year fixed rate at 6.179%. There is a mix of pressures keeping interest rate movements small. Experts advise hopeful home buyers to look into financial assistance programs. Various economic reports and Federal Reserve speeches are anticipated. Inflation remains flat, with essential categories like food and medical care seeing growth. Small business optim... more
Jan 12, 2026 7:07 AM — Mortgage Rates
Mortgage Rates Steady on Monday Morning | Today, January 12, 2026
The Mortgage Reports
Mortgage rates remain at their lowest averages in over a year, showing few basis points increase over the weekend. Rates for 30-year fixed mortgages sit at 6.18%, while rates for 15-year fixed mortgages reached 5.52%. Experts recommend considering refinancing or tapping into home equity with the current rates. The article also discusses adjustable-rate mortgages and predictions by economists on fu... more
Jan 9, 2026 1:35 PM — Mortgage Rates
Will Trump’s $200B Bond Bet Actually Lower Your Mortgage Rate?
The Mortgage Reports
President Trump ordered a $200 billion purchase of mortgage bonds to potentially lower mortgage rates, aiming to ease affordability for first-time buyers. However, economists caution that the effects may be limited and temporary, as rates are influenced by various factors like inflation, Treasury yields, and global economic conditions. Experts advise buyers to focus on factors they can control, su... more
Jan 9, 2026 9:15 AM — Mortgage Rates
Mortgage Rates Flat, Jobs Report Weaker Than Expected | Today, January 9, 2026
The Mortgage Reports
Mortgage rates have remained stable, with the 30-year fixed rate at 6.16%. Various economic indicators could put pressure on interest rates, while experts offer advice for refinancing or home buying in 2026. ARMs typically have lower initial rates compared to fixed loans, with predictions for stable rates in the near and medium term. Economic reports and Fed speeches are discussed, with slight inc... more
Jan 8, 2026 7:57 AM — Mortgage Rates
Mortgage Rates Down Again | Today, January 8, 2026
The Mortgage Reports
Mortgage rates have continued to decrease, with the average 30-year fixed mortgage rate at 6.16%. Borrowers are advised to consider refinancing or tapping into home equity. Negotiating for lower rates and exploring financial assistance programs can also help prospective buyers. The article also discusses the relative advantages of 15-year fixed mortgages and 5/1 adjustable rate mortgages. Economic... more
Jan 8, 2026 6:32 AM — Reverse Mortgages
What Interest Rates Mean for Your Reverse Mortgage
The Mortgage Reports
Interest rates have a significant impact on reverse mortgages, affecting borrowing power, projected loan growth, and principal limits. Higher rates can result in lower borrowing capacity, while lower rates can increase equity access. Borrower age also plays a role, with older borrowers generally qualifying for higher principal limits. Interest rate changes can affect both new and existing reverse ... more
Jan 8, 2026 6:32 AM — Housing Market
First-Time Home Buyer Advice and Preparation for 2026
The Mortgage Reports
Experts advise potential home buyers to prepare themselves by organizing their finances, evaluating their budget, and understanding current market conditions in order to make informed decisions in purchasing a property. Recommendations include starting the home buying process in the first quarter when competition is lower, but prices may be more affordable, and utilizing the expertise of real esta... more
Jan 7, 2026 8:05 AM — Mortgage Rates
Mortgage Rates Tumble to 15-Month Low | Today, January 7, 2026
The Mortgage Reports
Mortgage rates have dropped to their lowest point since October 2024, with the average 30-year fixed rate at a 15-month low. Rates may continue to decline slightly due to diminishing Treasury yields. Refinancing or tapping into home equity may be beneficial, while negotiating for lower rates and exploring financial assistance programs can help hopeful buyers. The average 15-year fixed rate mortgag... more
Jan 5, 2026 8:31 AM — Mobile Home Refinancing
Mobile Home Refinancing | Rates & Loans 2026
The Mortgage Reports
Refinancing a mobile home can help lower monthly payments, get better interest rates, or tap into home value, but it comes with unique rules. The home's age, size, classification, and whether it's permanently installed impact refinancing options. To qualify, the home must meet certain guidelines, building standards set by HUD, and financial criteria. Mobile home refinancing rates are higher than t... more
Jan 5, 2026 7:54 AM — Mortgage Rates
Mortgage Rates Flat Over Weekend | Today, January 5, 2026
The Mortgage Reports
Mortgage rates remained low at 6.20% for a 30-year fixed mortgage, although they have regressed from their annual lows. The 15-year fixed mortgage rate was at 5.49% and the 5/1 adjustable rate mortgage averaged 5.70%. Economic indicators suggest rate movements will be subdued in the near-term. Experts expect mortgage rates to stay stable around 6.25%. Various reports and forecasts are being monito... more
Jan 2, 2026 8:35 AM — Mortgage Rates
Mortgage Rates Drift Lower to Kick Off New Year | Today, January 2, 2026
The Mortgage Reports
Mortgage rates experienced a slight decline at the beginning of the year but may increase in the near future. The average 30-year fixed mortgage rate is at 6.20%. Negotiating for lower rates, tapping into home equity, or considering financial assistance programs are options for borrowers. Economists predict relative stability in mortgage rates around 6.25% in the near and medium-term. The article ... more
Jan 2, 2026 6:31 AM — Reverse Mortgages
Using a Reverse Mortgage as a Bridge to Delaying Social Security
The Mortgage Reports
The article discusses the dilemma of deciding when to claim Social Security benefits during retirement. It explains how using a reverse mortgage can serve as a temporary income bridge for retirees, allowing them to delay claiming Social Security and potentially increase their lifetime benefits without impacting their investments or selling their home. The focus is on using a reverse mortgage strat... more
Jan 1, 2026 4:35 AM — Mortgage Rates
Mortgage Rates Drop on New Year's Eve | Today, December 31, 2025
The Mortgage Reports
Mortgage rates dropped on New Year's Eve, hinting at potential savings for borrowers in 2026. Economic indicators suggest interest rates will remain steady in the near future, with the average 30-year fixed mortgage rate at 6.20%. Negotiating and exploring assistance programs can help buyers secure lower rates. The article also discusses the benefits of 15-year fixed mortgages and adjustable-rate ... more
Dec 31, 2025 5:31 AM — Reverse Mortgages
Reverse Mortgage vs. Downsizing: Which Saves More Long Term?
The Mortgage Reports
As homeowners age, they face the decision of whether to stay in their current home using a reverse mortgage or to downsize. Downsizing may seem like an obvious way to cut expenses, but the costs and risks associated with it are often underestimated. On the other hand, a reverse mortgage allows homeowners to convert their home equity into cash without giving up their home. The right choice depends ... more
Dec 30, 2025 6:31 AM — Mortgage Rates
Mortgage Rates Rise Slightly | Today, December 30, 2025
The Mortgage Reports
Mortgage rates have been moving within a small range in 2025, showing signs of possible upward pressure. The average 30-year fixed mortgage rate is at 6.29%, with the 15-year fixed rate at 5.57% and the 5/1 adjustable rate mortgage at 5.65%. Experts predict relatively stable rates in the near-term. Various economic reports are affecting the market, and forecasters are monitoring trends for 2026.
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