Mortgage News

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News for: The Mortgage Reports
Showing 169 - 192 of 219 results
Dec 29, 2025 6:31 PM — Home Equity Investments (HEIs)
Reverse Mortgage vs HEI: Which Is Better?
The Mortgage Reports
The article discusses the differences between reverse mortgages and home equity investments (HEIs) as alternative ways for homeowners with significant equity to access cash. Reverse mortgages allow older homeowners to borrow against equity without making monthly payments, while HEIs involve receiving a lump sum in exchange for a percentage of the home's future value. Reverse mortgages offer more f... more
Dec 29, 2025 10:23 AM — Mortgage Rates
Mortgage Rates Down | Today, December 29, 2025
The Mortgage Reports
Mortgage rates are currently low, with the 30-year fixed rate averaging 6.25%, the 15-year fixed rate averaging 5.53%, and the 5/1 adjustable rate mortgage averaging 5.74%. It is advised to consider refinancing, tapping into home equity, and negotiating for better rates. Homebuyer momentum is growing as housing affordability improves. However, due to various uncertainties, forecasts for mortgage r... more
Dec 26, 2025 5:31 AM — Reverse Mortgages
10 Biggest Reverse Mortgage Myths — And the Truth Behind Them
The Mortgage Reports
The article debunks common myths and misconceptions surrounding reverse mortgages, explaining how today's Home Equity Conversion Mortgage (HECM) program works. It clarifies that homeowners keep the title to their home, can live in it for life, and that reverse mortgages are non-recourse loans. It also highlights that borrowers can sell their home at any time, choose how to access their funds, have... more
Dec 24, 2025 11:41 AM — Mortgage Rates
Mortgage Rates Drop on Christmas Eve | Today, December 24, 2025
The Mortgage Reports
Mortgage rates decreased, with the average 30-year fixed rate at 6.23% and the 15-year fixed rate at 5.61%. The article discusses refinancing, tapping into home equity, negotiating for better rates, and programs for financial assistance. It also mentions that mortgage rates are expected to remain stable in the near and medium-term.
Dec 24, 2025 6:04 AM — Mortgage Lenders
HECM Occupancy Requirements & the 12-Month Absence Rule
The Mortgage Reports
A Home Equity Conversion Mortgage (HECM) allows older homeowners to access funds, but failure to meet the occupancy requirement can result in the loan becoming due and payable. The property must be the borrower's primary residence, with short trips and temporary absences generally allowed. Extended absences of more than 12 months without intent to return can trigger repayment. Servicers verify occ... more
Dec 24, 2025 5:31 AM — Mortgage Refinancing
Trusted Personal Loans Offers | Mortgage Rates, Mortgage News and Strategy
The Mortgage Reports
The article discusses loan originations in 2024 and offers solutions for turning home equity into cash or getting a customized rate quote in minutes. It also warns that by refinancing an existing loan, the total finance charges may be higher over the life of the loan.
Dec 23, 2025 10:31 AM — Housing Market
The Mortgage Reports Year in Review: 2025 Home Buying
The Mortgage Reports
The article reflects on the housing market trends in 2025, including interest rates, mortgage volume, underwriting standards, home prices, home sales, inventory, and affordability. Interest rates gradually decreased in 2025, leading to increased mortgage volume. Home prices showed a slowdown in growth, and home sales increased driven by lower mortgage rates. Inventory of for-sale homes increased, ... more
Dec 23, 2025 7:38 AM — Mortgage Rates
Mortgage Rates Rise, GDP Higher-Than-Expected | Today, December 23, 2025
The Mortgage Reports
Mortgage rates increased for the second day in a row due to higher Treasury yields. Despite this, it may still be a good time to refinance or buy a home by negotiating rates or seeking financial assistance programs. The average 30-year fixed mortgage rate was at 6.30%, and the 15-year fixed rate was at 5.67%. ARM rates were at 5.65%. Economic reports showed a growth in GDP and a decline in consume... more
Dec 23, 2025 5:13 AM — Reverse Mortgages
HECM’s “Due and Payable” Triggers (and How to Avoid Them)
The Mortgage Reports
A Home Equity Conversion Mortgage (HECM) allows homeowners age 62 and older to convert home equity into cash without making monthly mortgage payments. However, there are specific conditions that can cause the loan to become 'due and payable,' requiring repayment through the sale of the home, a refinance, or repayment by heirs. Events like moving out of the home permanently, falling behind on prope... more
Dec 22, 2025 7:53 AM — Mortgage Rates
Mortgage Rates Up Slightly Over Weekend | Today, December 22, 2025
The Mortgage Reports
Mortgage rates have slightly increased over the weekend but are still within a tight range. Negotiating and exploring financial assistance programs can help buyers achieve lower rates. The average rates for 30-year fixed, 15-year fixed, and 5/1 adjustable mortgages are provided along with expert predictions about their stability. Economic reports for the week are minimal, with most likely focusing... more
Dec 19, 2025 7:26 AM — Mortgage Rates
Mortgage Rates Down | Today, December 19, 2025
The Mortgage Reports
Mortgage rates fell slightly, but future movements are uncertain due to stock market and Treasury yields. Refinancing or tapping into home equity is still a viable option for borrowers. Various mortgage rates are provided for different terms, with expectations for rates to remain relatively stable. Economic reports and information about home sales are also included in the article.
Dec 19, 2025 5:31 AM — Mortgage Lending
Reverse Mortgage vs. Life Settlement: Which Unlocks More Value?
The Mortgage Reports
The article compares and contrasts reverse mortgages and life settlements as financial strategies for retirees to supplement their income. Reverse mortgages allow homeowners to borrow against their home equity without making monthly payments and are repaid when the borrower sells the home, moves out, or passes away. On the other hand, life settlements involve selling an existing life insurance pol... more
Dec 19, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Flat, Inflation Numbers Down | Today, December 18, 2025
The Mortgage Reports
The article discusses how mortgage rates remained close to the previous day's levels due to factors such as decreased inflation and declining Treasury yields. It advises on considering refinancing or tapping into home equity, negotiating for better rates, and qualifying for financial assistance. It also provides information on average 30-year fixed and 15-year fixed mortgage rates, ARM rates, and ... more
Dec 17, 2025 7:34 AM — Mortgage Rates
Mortgage Rates All Drop After Poor Employment Report | Today, December 17, 2025
The Mortgage Reports
Mortgage rates reversed their early-week growth due to gloomy economic indicators and plummeting stocks. It is suggested to still consider refinancing or tapping into home equity. The average rates for 30-year fixed, 15-year fixed, and 5/1 adjustable rate mortgages are provided, with insights on each type. Commentary from Federal Reserve policymakers and forecasts from Fannie Mae, the Mortgage Ban... more
Dec 16, 2025 5:54 AM — Mortgage Lenders
What Is a HECM Refinance? Eligibility, Costs & When It Makes Sense
The Mortgage Reports
A HECM refinance allows existing reverse mortgage holders to replace their current loan with a new one, potentially unlocking more equity or providing better access to funds. Refinancing depends on factors like changes in home value, age, interest rates, and financial needs. It's important to evaluate the potential benefits against the drawbacks and work with a lender who specializes in reverse mo... more
Dec 15, 2025 10:56 AM — Mortgage Lenders
HECM vs. Jumbo Reverse Mortgage: How to Choose the Best Fit
The Mortgage Reports
The article discusses the differences between a Home Equity Conversion Mortgage (HECM) and a jumbo reverse mortgage, two options for homeowners age 62 and older to tap into their home equity. HECMs are insured by the Federal Housing Administration and come with borrower protections, while jumbo reverse mortgages are offered by private lenders and have different eligibility requirements, interest r... more
Dec 15, 2025 8:46 AM — Mortgage Rates
Mortgage Rates Inch Up to Start Week | Today, December 15, 2025
The Mortgage Reports
The article discusses how mortgage rates have risen slightly but remain below 6.3%. It mentions the importance of refinancing or tapping into home equity. It also provides information on different types of mortgage rates and their historical averages. Economic indicators and Federal Reserve commentary hint at possible changes in mortgage rates. Fannie Mae and MBA have forecasts for mortgage rates ... more
Dec 12, 2025 7:50 AM — Mortgage Rates
Mortgage Rates Quiet Heading into Weekend | Today, December 12, 2025
The Mortgage Reports
The article discusses the movements in mortgage rates following the December Fed cut and how mix economic indicators could add upward pressure on interest rates. It also provides information on average mortgage rates, types of mortgages available, and factors influencing mortgage rates.
Dec 12, 2025 5:32 AM — Reverse Mortgages
HECM Loan Limits: What They Are and How They Work in 2025
The Mortgage Reports
A Home Equity Conversion Mortgage (HECM) allows homeowners 62 and older to borrow against their home equity without making monthly mortgage payments. Each year, the Federal Housing Administration (FHA) sets a maximum loan limit for these reverse mortgages. The 2026 HECM loan limit is $1,249,125, and it's tied to shifts in national home prices. A higher limit means more home value can be included i... more
Dec 11, 2025 7:58 AM — Interest Rates
Mortgage Rates Flat After Fed Cut | Today, December 11, 2025
The Mortgage Reports
Following the Federal Reserve rate cut decision, mortgage rates remained relatively steady. Economic indicators such as a drop in Treasury yields are expected to slightly lower interest rates in the short term. Refinancing and tapping into home equity are still viable options, while negotiating and seeking financial assistance can help lower rates for potential buyers. Various mortgage rates for 3... more
Dec 10, 2025 2:31 PM — Interest Rates
Fed Cuts Rates Again in December. Will Mortgage Rates Fall?
The Mortgage Reports
The Federal Reserve made its third consecutive federal funds rate cut of 2025 in December due to weak employment and overall economic uncertainty. While mortgage rate movements varied after the cuts, interest rates trended downwards over the last three months. The central bank's decision signaled weakness in the labor market and an unstable economic forecast, with more cuts potentially on the hori... more
Dec 10, 2025 8:32 AM — Mortgage Rates
Mortgage Rates Drop Before Fed Cut Announcement | Today, December 10, 2025
The Mortgage Reports
Mortgage rates reversed their opening week gains ahead of the Federal Reserve December Open Market Committee meeting. The average 30-year fixed mortgage rate was 6.26%, while the average 15-year fixed mortgage rate was 5.63%. Uncertainty regarding the Federal Open Market Committee's meeting could result in short-term volatility in mortgage rates.
Dec 8, 2025 7:17 AM — Mortgage Rates
Mortgage Rates Rise Ahead of Fed Meeting | Today, December 8, 2025
The Mortgage Reports
Mortgage rates increased incrementally over the weekend due to Treasury yield expansion. Despite regressing from annual lows, it may still be advantageous to refinance or tap into home equity. Negotiating rates and qualifying for assistance programs can help potential buyers lower barriers to entry. Rates for 30-year fixed mortgages are at 6.28%, while 15-year fixed rates are at 5.62%. ARMs have l... more
Dec 8, 2025 4:56 AM — Mortgage Lenders
HECM Lien Status: What It Means for Reverse Mortgage Borrowers
The Mortgage Reports
A Home Equity Conversion Mortgage (HECM) requires the loan to be recorded as the first lien on the property, ensuring that the reverse mortgage has priority over all other claims when the home is sold or the loan becomes due. Existing mortgages, HELOCs, and other liens must be paid off before closing, and involuntary liens can affect the process. Any HECM proceeds must first go towards paying off ... more
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