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Mortgage Rates

Mortgage Rates Recently Hit a 3-Year Low. Here’s Why That’s Still a Big Deal.

Mortgage Rates Recently Hit a 3-Year Low. Here’s Why That’s Still a Big Deal.

Affordability, For Buyers, Mortgage Rates /

If you’re one of the thousands of homebuyers waiting for rates to fall, you should know it’s already happening. And they recently crossed an important milestone. Rates officially dipped their toes into the 5s – something that hasn’t happened in about 3 years. This moment marked a critical threshold. Now, rates are sitting in the […]

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What Trump might say about housing during Davos meeting

Housing markets, Mortgage Rates, Politics and policy, Secondary markets, Underwriting /

News of Pres. Trump’s upcoming remarks on housing at the World Economic Forum in Davos, Switzerland have stirred fresh speculation about the future of Fannie Mae and Freddie Mac, even as analysts say major policy shifts remain uncertain.   Processing Content An exit from conservatorship for the government-sponsored enterprises is not expected to be part of

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Treasury curve steepens after Danish pension retreat

Mortgage Rates, Treasury bonds /

News that Danish pension funds are exiting the US Treasury markets produced dramatic curve steepening trades at the openings this morning. Processing Content The 5-year yield began the day 1½ bps higher, the 10-year yield 4½ bps higher, and the 30-year yield 7½ bps higher. Additionally, S&P futures are down more than 100 points and

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Housing demand is off to a solid start in 2026

Existing home sales, Housing Inventory, Housing Market, Housing Market Tracker, HWmember, Mortgage Rates, Purchase Applications /

Housing 2026 is off and going, and so far this year, with mortgage rates near 6% and mortgage spreads near normal levels, 2026 looks to be the first year of actual growth in existing home sales in years. Last week we had solid data in purchase apps and our weekly pending sales data — with

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Existing home sales outlook improves as mortgage rates stabilize

Existing home sales, Housing Inventory, Housing Market, HWmember, Mortgage Rates /

Existing home sales have had a nice rise since mid-June, but what will it take for this sales growth trend to continue in 2026? Over the last few years, when rates drop noticeably, sales pick up, but then mortgage rates have shot up over 7% and taken away housing’s momentum. In 2026, are there key

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4 trends that will help mortgage lenders reach new borrowers in 2026

Contributors, HWmember, Loan Officer, Mortgage, Mortgage Rates, Non-QM, Opinion /

With mortgage rates expected to remain flat for the foreseeable future, lenders of all sizes are looking for creative ways to attract creditworthy borrowers who may not fit into the conventional loan box. Below are four trends that will enable lenders to expand their reach to new borrowers in 2026: Non-QM lending goes mainstream A

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Mortgage rates reach three-year low after MBS buy order

Economy, MARKETING TO BORROWERS, Mortgage Rates, Originations /

Mortgage rates fell to their lowest levels in more than three years after Pres. Trump ordered a $200 billion purchase of agency mortgage-backed securities, Freddie Mac said. Processing Content Spreads were already tightening as Freddie Mac and Fannie Mae have increased the size of their respective retained portfolios in recent months. The announcement further narrowed

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Is the lock-in effect loosening its grip on housing? Realtor.com thinks so

Data & Visuals, FHFA, Homebuying, Housing Market, HWmember, Mortgage Rates, Real Estate, Realtor.com /

U.S. homeowners who carry mortgages with rates of 6% or more now outnumber those with rates below 3%. This should drive a “meaningful shift in the housing market after years of historically low borrowing costs,” according to a Realtor.com report released Wednesday. The company analyzed residential mortgage data from the Federal Housing Finance Agency (FHFA)

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Mortgage rates slide to one of lowest levels since 2022

Mortgage applications, Mortgage Rates, Originations /

US mortgage rates slid last week to one of the lowest levels in years, sparking a flurry of purchase and refinancing activity that offers hope for a plodding housing market. Processing Content The contract rate on a 30-year mortgage dropped 7 basis points to 6.18% in the week ended Jan. 9, according to Mortgage Bankers

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