Mortgage News

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News for: The Mortgage Reports
Showing 193 - 216 of 219 results
Dec 5, 2025 11:12 AM — Mortgage Lenders
Tomo Mortgage Lender Review for 2025: Rates and Loan Options
The Mortgage Reports
Tomo Mortgage offers competitive rates and transparent pricing, with no origination fees and quick preapprovals. They provide conventional, FHA, VA, and jumbo loans but do not offer USDA loans, HELOCs, or certain refinancing options. Customer reviews praise their communication and punctual closings, although in-person service is not available. Tomo has a positive reputation with low complaint volu... more
Dec 5, 2025 9:31 AM — Mortgage Rates
Mortgage Rates Mostly Flat | Today, December 5, 2025
The Mortgage Reports
The article discusses slight mixed movements in mortgage rates, potential upward pressure on interest rates due to economic indicators, options for refinancing or tapping into home equity, average fixed mortgage rates reaching 6.27%, and insights on 15-year fixed rates and adjustable-rate mortgages. It also mentions upcoming economic reports and forecasts by Freddie Mac, Fannie Mae, and the Mortga... more
Dec 4, 2025 11:15 AM — Mortgage Lenders
Homebuying Strategies for Gig Workers: Expert Q&A
The Mortgage Reports
Over a quarter of Americans had a side job in 2025, typically in the gig economy without a W-2. Most lenders have adapted to this trend, as long as borrowers claim their income correctly. Curtis Knuth, an expert in credit reporting and income verification, shared insights on how gig workers can navigate the competitive housing market, emphasizing the importance of proper income documentation and c... more
Dec 4, 2025 11:14 AM — Mortgage Lenders
Reverse Mortgages Could Get Cheaper & Easier With New Proposals
The Mortgage Reports
The Mortgage Bankers Association (MBA) is pushing for changes to the current reverse mortgage system, citing high costs, complexity, and discouraging upfront fees as barriers for potential borrowers. Some proposed changes include adjusting upfront mortgage insurance premiums based on the amount borrowed, raising principal limit factors for borrowers to access more funds, and modernizing the apprai... more
Dec 4, 2025 8:22 AM — Mortgage Rates
Mortgage Rates Inch Up | Today, December 4, 2025
The Mortgage Reports
Mortgage rates rose a few basis points in the morning, erasing previous declines. Economic indicators suggest upward pressure on interest rates in the short term. The article advises on refinancing, tapping into home equity, negotiating rates, and exploring financial assistance programs to lower barriers to entry. Various mortgage rates for 30-year fixed, 15-year fixed, and 5/1 adjustable-rate mor... more
Dec 3, 2025 10:51 AM — Home Equity Loans
QA Scheduling Post
The Mortgage Reports
Experts recommend against using home equity for holiday spending, but suggest wise uses for home equity that can benefit your finances. One option is a debt consolidation refinance, which can be a smart financial choice.
Dec 3, 2025 8:21 AM — Mortgage Rates
Mortgage Rates Drop, Employment Craters | Today, December 3, 2025
The Mortgage Reports
Mortgage rates have decreased due to a big decline in private sector jobs, possibly leading to more downward pressure on interest rates. The article discusses the current average rates for 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable-rate mortgages. It also mentions the uncertainty in the market and how economic indicators impact mortgage rates.
Dec 3, 2025 4:34 AM — Mortgage Rates
Test Post
The Mortgage Reports
The article discusses the daily fluctuations in mortgage rates, indicating that they have both risen and fallen recently. It also mentions the impact of economic indicators on interest rates.
Dec 2, 2025 3:31 PM — Mortgage Lenders
Matt Linscott | Mortgage Rates, Mortgage News and Strategy
The Mortgage Reports
The article discusses how to determine how much you can afford for a home by considering factors like home price, monthly payment, income, and down payment requirements. It also mentions reduced costs and rates for former or current military members, as well as zero-down loan options provided by the USDA for homes outside major cities.
Dec 2, 2025 9:26 AM — Mortgage Rates
Will Rates Get Cut at the December Fed Meeting?
The Mortgage Reports
The article discusses the possibility of a rate cut during the Federal Reserve's next Open Market Committee meeting in December and how it may impact mortgage rates. It mentions the history of rate adjustments by the Federal Reserve, the inflation rate, uncertainty due to political factors, the impact of the Fed's actions on mortgage rates, and strategies for borrowers to consider. It also highlig... more
Dec 2, 2025 7:37 AM — Mortgage Rates
Mortgage Rates Grow, Bowman Testifies | Today, December 2, 2025
The Mortgage Reports
Mortgage rates rose after recent lows, with the average 30-year fixed rate at 6.28%. Negotiating can help lower rates for buyers, and various assistance programs can ease entry barriers. Data from Freddie Mac shows historical highs and lows for different mortgage types. The market remains volatile, and experts caution on relying solely on market data for rate predictions. Various organizations pro... more
Dec 1, 2025 7:16 AM — Mortgage Rates
Mortgage Rates Drift Down | Today, December 1, 2025
The Mortgage Reports
Mortgage rates decreased slightly over Thanksgiving Weekend and are expected to face upward pressure in the short term due to economic indicators. Refinancing or tapping into home equity is still a viable option. Negotiating for a lower rate, qualifying for assistance programs, or opting for shorter mortgages can help lower barriers to entry for buyers. Various rates for 30-year fixed mortgages an... more
Dec 1, 2025 6:33 AM — Reverse Mortgages
How to Choose the Right Reverse Mortgage Payout Method
The Mortgage Reports
A reverse mortgage provides financial flexibility in retirement, and the way you choose to receive your loan proceeds impacts your long-term borrowing costs, equity preservation, and usefulness of the funds. Options include a lump sum, monthly payments, or a line of credit, each with its own benefits and drawbacks. Combining multiple payout methods can help borrowers meet both immediate and long-t... more
Nov 28, 2025 11:31 AM — Reverse Mortgages
How to Use a Reverse Mortgage to Downsize a Home
The Mortgage Reports
An HECM for Purchase, also known as a reverse mortgage purchase, allows older homeowners to buy a new home without taking on monthly mortgage payments in retirement. The program is backed by the FHA and requires a down payment at closing, with the remaining portion of the home purchase financed by the reverse mortgage. Borrowers must meet certain qualifications, such as age requirements and financ... more
Nov 27, 2025 11:31 AM — Reverse Mortgages
How to Use a Reverse Mortgage for Home Improvements and Accessibility Upgrades
The Mortgage Reports
Many older homeowners want to remain in their homes as long as possible but may struggle to cover the costs of necessary renovations. A reverse mortgage, specifically a Home Equity Conversion Mortgage (HECM), allows eligible homeowners to access a portion of their home equity without making mortgage payments, providing funds for home improvements. Borrowers can choose between a lump sum payout or ... more
Nov 27, 2025 4:32 AM — Mortgage Rates
Mortgage Rates Drop Before Thanksgiving | Today, November 26, 2025
The Mortgage Reports
Mortgage rates fell before the holiday, but economic indicators point to potential increases. Refinancing or tapping into home equity could still be viable options. Average 30-year fixed rate mortgage is 6.28%, 15-year fixed is 5.62%, and 5/1 adjustable rate mortgage is 5.48%. Various economic reports and forecasts influence mortgage rates.
Nov 26, 2025 1:33 PM — Mortgage Lending
Fixed vs. Adjustable-Rate HECMs: How to Pick the Right Reverse Mortgage
The Mortgage Reports
The article discusses the differences between fixed-rate and adjustable-rate home equity conversion mortgages (HECMs). Fixed-rate HECMs offer predictability but limited access to funds, while adjustable-rate HECMs provide more flexibility and a growing line of credit. The choice between the two depends on individual financial goals and needs.
Nov 26, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Trot Toward Thanksgiving | Today, November 25, 2025
The Mortgage Reports
Mortgage rates are holding steady as indicators point to downward pressure. The average rates for 30-year fixed, 15-year fixed, and 5/1 adjustable-rate mortgages are provided, with the possibility of refinancing or tapping into home equity discussed. Economic reports and forecasts from various organizations are also mentioned, along with a general outlook on mortgage rates and market fluctuations.
Nov 25, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Rise, ARMs Come Down | Today, November 24, 2025
The Mortgage Reports
Mortgage rates slightly increased over the weekend, with the 30-year fixed rate at 6.33%. The article discusses refinancing, tapping into home equity, negotiating for better rates, and qualifying for assistance programs. It also mentions trends in mortgage rates and speculations on future rates. The piece ends with a mention of various economic indicators and forecasts by Freddie Mac, Fannie Mae, ... more
Nov 25, 2025 4:32 AM — Mortgage Types
Portable vs. Assumable Mortgages: What’s the Difference?
The Mortgage Reports
The Trump Administration and the Federal Housing Finance Agency are considering ideas to reignite the real estate market, such as offering 50-year mortgages, portable mortgages, and assumable mortgages. Portable mortgages would allow borrowers to maintain their current loan balance and interest rate when buying a new property, while assumable mortgages would allow incoming buyers to take over the ... more
Nov 24, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Hold | Today, November 21, 2025
The Mortgage Reports
Mortgage rates mostly held steady, but the 5/1 ARM rate increased. Various economic indicators suggest downward pressure on rates for potential homebuyers. Refinancing or negotiating for lower rates is advisable. Different mortgage types offer different terms and interest rates. The article also discusses various economic reports and Fed speeches impacting mortgage rates.
Nov 24, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Tick Down | Today, November 20, 2025
The Mortgage Reports
Mortgage rates have slightly decreased, with most economic indicators suggesting upward pressure on interest rates in the near-term. Refinancing or tapping into home equity could still be advantageous. Rates for 30-year and 15-year fixed mortgages, as well as 5/1 adjustable-rate mortgages, are provided. Various economic reports and Federal Reserve speeches are mentioned as factors influencing mort... more
Nov 21, 2025 1:31 PM — Reverse Mortgages
Reverse Mortgage Line of Credit: A Tool for Managing Inflation
The Mortgage Reports
Inflation can negatively impact retirement plans by reducing the purchasing power of savings and investment income. Many retirees overlook using their home equity as an inflation hedge, such as through a reverse mortgage line of credit (RMLOC) which provides tax-free funds that grow in value as interest rates rise. RMLOC allows homeowners age 62 and older to tap into their home equity without maki... more
Nov 17, 2025 4:33 AM — Mortgage Rates
Mortgage Rates Rise, ARMs Fall | Today, November 17, 2025
The Mortgage Reports
Fixed mortgage rates slightly increased over the weekend, while the 5/1 adjustable rate decreased. Today's market data indicates potential upward pressure on interest rates in the near-term. Despite being higher than recent lows, refinancing or tapping into home equity could still be beneficial. Negotiating could lower rates for buyers, along with qualifying for financial assistance programs.
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