Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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News for: Bankrate
Showing 193 - 216 of 360 results
Sep 3, 2025 3:24 AM
— Mortgage Rates
Don’t shortchange investments to buy a house — even at today’s rates
The article discusses how many Americans are cashing in stock holdings to buy homes due to the combination of the stock market setting records, rising home prices, and mortgage rates above 6.5 percent. It explains the benefits of taking out a mortgage instead of paying cash for a home, even with higher interest rates. The article also highlights the importance of balancing mortgage payments with i... more
Sep 3, 2025 3:24 AM
— Mortgage Rates
30-year mortgage rates decrease: When will rates retreat? | Today's mortgage and refinance rates, September 2, 2025
Average mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM have decreased. The likelihood of a Federal Reserve rate cut has caused these changes, but the correlation between Fed rate cuts and mortgage rate changes is not always consistent. The current average rates for various mortgage types have been listed, and the Mortgage Rate Variability Index indicates more stability in mortgage of... more
Sep 1, 2025 2:24 PM
— Interest Rates
High-Yield Savings Rates Today: September 1, 2025 | You Can Still Earn Up To 4.35% APY
Market watchers eagerly wait to see if the Federal Reserve will lower its benchmark rate at the upcoming meeting, which could lead to lower rates on loans. Savers may not benefit from a rate cut as it could result in declines in savings account interest rates. The top savings account APY is currently 4.35 percent. The Federal Reserve has not changed rates at its previous meetings but may consider ... more
Aug 29, 2025 2:24 PM
— Debt Consolidation Loans
How a personal loan can help you achieve financial freedom
Bankrate's Financial Freedom Survey found that most U.S. adults feel financially insecure due to rising inflation. Personal loans, often misunderstood, can be a valuable tool for achieving financial freedom by consolidating debt, improving credit scores, and providing a fixed payoff date. Unlike credit cards, personal loans have fixed payments and cannot be reused. Financial literacy is crucial, a... more
Aug 29, 2025 12:14 PM
— Interest Rates
How Trump's Push To Remake The Fed Could Backfire On Your Wallet
President Trump is attempting to remove Fed governor Lisa Cook from her position due to allegations of fraud, despite Cook filing a lawsuit against the attempt. Political interference in the Fed could lead to higher interest rates and inflation, impacting consumers negatively. Trump's efforts to control the Fed could weaken its independence and harm the economy.
Aug 29, 2025 12:14 PM
— Mortgage Rates
30-year mortgage rates fall: How long should buyers wait? | Today's mortgage and refinance rates, August 29, 2025
Average mortgage rates were mostly lower compared to last week, with rates for 30-year fixed, 15-year fixed, and 5/1 ARM moving lower. The Federal Reserve is expected to cut interest rates next month, but it may not lead to a significant drop in mortgage rates. Mortgage rates are predicted to remain in the mid- to high-6 percent range through the end of the year. The current average rate for a 30-... more
Aug 29, 2025 10:24 AM
— Home Equity Loans and Lines of Credit (HELOCs)
Coming home: Chase launches new HELOC, returning to equity lending
During the COVID-19 pandemic in 2020, big banks like Chase and Wells Fargo paused their home equity lines of credit (HELOCS) due to the economic uncertainty. However, as home values and equity stakes have increased, Chase has reentered the HELOC market with a new product that allows borrowers to tap up to 80% of their home's value. The minimum credit score required is 720, and funds can be accesse... more
Aug 28, 2025 3:24 AM
— Housing Market
Rates or prices? Which need to drop to make buying a house more affordable?
The article discusses the current state of the housing market with a focus on affordability for potential homebuyers. It highlights the impact of mortgage rates and home prices on monthly payments, as well as the predictions for future rate drops. It also touches on factors influencing housing affordability, such as supply and demand, income levels, and budget considerations.
Aug 28, 2025 3:24 AM
— Student Loan Forgiveness
Changing repayment options and infinite backlogs: What recent student loan litigation means for you
Recent court decisions have blocked the SAVE repayment plan for federal student loans, impacting nearly 8 million borrowers. Borrowers were placed in interest-free forbearance during litigation, but interest began accruing again in August 2025. Processing delays in income-driven repayment plan requests have created a backlog, delaying loan forgiveness for many borrowers. The U.S. Department of Edu... more
Aug 27, 2025 3:28 AM
— Tax Deductions for Auto Loans
Who Qualifies For The New Auto Loan Interest Deduction?
The article discusses a new federal tax law that allows taxpayers to deduct car loan interest, but the savings may not be as significant as some drivers hope. The deduction is part of the Trump administration's effort to promote American-made goods. To qualify for the deduction, the vehicle must be purchased between 2025 and 2028, be under 14,000 pounds, and have final assembly in the United State... more
Aug 27, 2025 3:24 AM
— Interest Rates
Are You Losing Money In Your High-Yield Savings Account?
Many savers are finding that the yields on their high-yield savings accounts have decreased significantly over the past few years, impacting their earnings. This is due to banks adjusting their rates based on the federal funds rate. Savers are advised to regularly check their rates and consider alternatives like CDs, T-bills, or brokerage-linked accounts to maximize returns. It is recommended to m... more
Aug 26, 2025 3:28 AM
— Interest Rates
High-yield savings rates today: August 25, 2025 | Savers enjoy yields surpassing 4%, but likely not for long
High-yield savings account interest rates have been strong due to the Federal Reserve's tighter monetary policy. However, experts anticipate a rate cut in the near future, which could lower savings yields. The Fed's decisions directly impact how much individuals can earn on their savings accounts, and economists predict at least one rate cut by the end of 2025. Savers should take advantage of the ... more
Aug 25, 2025 5:25 AM
— Mortgage Rates
30-year mortgage rates decrease: Should homebuyers wait? | Today's mortgage and refinance rates, August 27, 2025
Mortgage rates were mostly lower compared to the previous week, with rates for 30-year fixed, 15-year fixed, and 5/1 ARM decreasing. The Federal Reserve is expected to cut interest rates next month, but this might not lead to a significant drop in mortgage rates. Rates are projected to remain in the mid- to high-6 percent range for the rest of the year. The article provides current average rates f... more
Aug 25, 2025 3:28 AM
— Housing Market
The True Cost of Home Insurance in 2025
The cost of home insurance is rising for many Americans due to extreme weather and increasing rebuilding costs. Factors like credit history, deductible level, and filed claims impact insurance premiums. The average annual cost of home insurance is $2,470, representing 3.18% of median household income. Home insurance costs have increased nationally by 9% since 2023, with the highest increases seen ... more
Aug 23, 2025 7:24 AM
— Tax Deductions
Rebecca Rosenberg
The article discusses 10 tax credits and deductions that can help individuals reduce their tax bill or increase their tax refund. It also mentions Bankrate.com as a source of financial information and services.
Aug 23, 2025 3:28 AM
— Mortgage Rates
Mortgage rates rise slightly, still near lowest levels in 10 months
Mortgage rates have reached their lowest levels in nearly a year, with a 30-year fixed mortgage rate at 6.61 percent. Despite this drop, affordability remains a challenge for many buyers due to the high median home prices. The Federal Reserve's decision to leave the federal funds rate unchanged has not necessarily impacted mortgage rates, as they are more influenced by investor appetite for 10-yea... more
Aug 22, 2025 3:24 AM
— Mortgage Rates
30-year mortgage rates decrease: Should you wait to buy? | Today's mortgage and refinance rates, August 21, 2025
Average mortgage rates have mostly decreased compared to last week, with rates for 30-year fixed, 15-year fixed, and 5/1 ARM dropping. Economic movements like inflation rates have influenced these changes, with recent data showing signs of cooling in the market. The average rates for different types of mortgages are provided, along with tips for getting the best possible rate while shopping for a ... more
Aug 21, 2025 3:25 AM
— Housing Market
The S&P 500 Is Rising But Most Stocks Are Falling: What’s Going On?
The Nasdaq 100 stock index recently hit an all-time high, but the rally is being driven by a narrow group of stocks, particularly AI companies. This narrow breadth may indicate a flight to quality trade as investors become risk-averse. The heavy reliance on AI stocks in major indexes like the Nasdaq 100 poses a concentration risk for investors, who should stay disciplined, diversified, and conside... more
Aug 21, 2025 3:25 AM
— Housing Market
The 10 most affordable states for retirees in 2025
Bankrate's annual Best and Worst States to Retire Study named New Hampshire as the best state for retirees, but West Virginia was found to be the most affordable state. Affordability is a major concern for retirees due to fixed incomes, with states offering cheaper living costs being more attractive. West Virginia had the lowest cost of living and homeowner's insurance, making it appealing to reti... more
Aug 21, 2025 3:23 AM
— Home Equity Rates
A quiet week: HELOC and home equity loan rates stay still — and low
Home equity rates remained unchanged in the latest week with the average rate on a $30,000 home equity line of credit (HELOC) and a 5-year $30,000 home equity loan staying the same. The rates are driven by lender competition and Federal Reserve actions. While rates have declined from highs in 2024, they are still relatively high-cost debt. The home equity market has been growing, with HELOC balanc... more
Aug 20, 2025 3:24 AM
— Personal Finance Management
Survey: Nearly 3 In 4 Americans Have A Financial Regret
Americans are navigating economic hurdles, with 74% having a financial regret, down from 77% in 2024. Top regrets include not saving for retirement early enough and taking on too much credit card debt. Gen Zers struggle with budgeting and emergency savings. Women more likely to regret not saving for emergencies. Job opportunities, job security, lower rent, and cheaper essentials are factors that c... more
Aug 18, 2025 12:23 PM
— Interest Rates
Best High-Yield Savings Rates Today | Leading APYs Still Surpass 4%
The Federal Reserve has maintained its benchmark rate in a target range of 4.25-4.5 percent this year, resulting in high-yield savings account rates above 4 percent APY. Traders predict a rate cut in September, potentially lowering rates. Banks often adjust their rates in response to Fed changes. While CD rates remain high, there are early withdrawal penalties. It is recommended to have a healthy ... more
Aug 18, 2025 5:26 AM
— Interest Rates
Federal Funds Rate History: 1980 Through The Present
Bankrate points out that the current U.S. central bank's key borrowing benchmark is in a target range of 4.25-4.5 percent, lower than during the pandemic but still high. Fed's historical rate moves and policies, including manufacturing a recession in the 1980s to combat inflation and Greenspan's management through the dot-com and housing bubbles, are discussed. Quantitative easing was introduced d... more
Aug 15, 2025 9:23 AM
— Mortgage Rates
Majority of rates decline: Should you lock now? | Current mortgage and refinance rates for August 15, 2025
Mortgage interest rates decreased for 30-year fixed, 15-year fixed, and jumbo loans, but increased for ARM loans. The rates are influenced by economic factors like inflation and the job market. The current average rate for a 30-year fixed mortgage is 6.57 percent, down slightly from last week. Mortgage rates have been relatively stable in 2025, but are now showing more variability due to recent ec... more
DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
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.