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Mortgage Rates

First-time homebuyers’ shrinking presence — what it means for real estate agents

Affordability, Agent, Baby Boomer, Better Homes and Gardens Real Estate, Compass, First-Time Homebuyers, Gen X, Gen Z, HWmember, Millennials, Mortgage Rates, Real Estate, REMAX /

The share of first-time homebuyers has fallen to 21% of all transactions — the lowest level since the National Association of Realtors (NAR) began tracking the data in 1981. For real estate agents, the shift is not a temporary blip. It’s a structural change reshaping how agents build their businesses, talk about value and prepare […]

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The outlook for mortgage rates as DOJ clears Fed path for Warsh

Department of Justice, Federal Reserve, HWmember, Jerome Powell, Mortgage, Mortgage Rates, Regulatory, Trump administration /

Jerome Powell’s tenure as Federal Reserve chair is coming to an end as the Department of Justice (DOJ) has ended its investigation of alleged cost overruns on the Fed headquarters’ renovations. This paves the way for Kevin Warsh to head the Fed — maybe as soon as May. The timing couldn’t be more perfect, as

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Coldwell Banker: ‘Life doesn’t stop’ as comeback buyers return

Affordability, Agent, Brokerage, Coldwell Banker, First-Time Homebuyers, Home Prices, Home Sales, Homebuyers, HWmember, Mortgage Rates, Real Estate /

More than three years after mortgage rates began their climb from historic lows, a subtle but significant housing market shift is underway. Homeowners are finally letting go of sub-5% rates, “comeback buyers” are re-entering the search and regional markets are moving in opposite directions — all shaping what Coldwell Banker Real Estate calls a spring

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We may finally be near the bottom of the mortgage market cycle

Contributors, HWmember, Mortgage, Mortgage Industry, Mortgage Rates, Opinion, Origination /

I started in mortgages in 2007 for a brokerage office in Salem, Oregon. Within my first year and a half, I was one of the top-producing loan officers in the office. At the same time, the world around me was coming apart.  I didn’t realize at the time that the industry I had just joined

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Sellers no longer deterred by lock-in effect, study finds

Housing markets, Mortgage Rates, Originations, REALTORS & HOMEBUILDERS /

Homeowners are increasingly engaging with the housing market this spring, as many are beginning to let go of their historically low mortgage rates. Processing Content More than a third of sellers have mortgage rates below 5%, yet still plan to list their homes this spring, according to Coldwell Banker’s 2026 Home Shopping Season Report, a

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3 Things That Are Not Going To Happen in Today’s Housing Market

3 Things That Are Not Going To Happen in Today’s Housing Market

For Buyers, Home Prices, Inventory, Mortgage Rates /

There’s a lot of uncertainty right now and that’s leading to some dramatic headlines. And if you’re thinking about buying a home, that can make you feel a little less sure about your decision. A recent study by CNBC asked homebuyers what they’re most worried about, and three themes kept coming up again and again:

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Mortgage rates at lowest in three spring purchase seasons

Economy, Housing markets, MARKETING TO BORROWERS, Mortgage Rates, Originations /

Mortgage rates ended the week 7 basis points lower, as borrowers took advantage of a brief dip in the 10-year Treasury yield, Freddie Mac found. Processing Content The 30-year fixed rate mortgage averaged 6.23% as of April 23, versus 6.3% seven days prior and 6.81% for the same week last year, its Primary Mortgage Market

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Home-purchase applications jump as rates settle back

Mortgage Rates, Originations /

US mortgage applications for home purchases increased last week by the most since early January as financing costs continued to ease, a tentative sign that the housing market is grinding forward. Processing Content The Mortgage Bankers Association’s index of home-purchase applications rose 10.1% in the week ended April 17, data from the group showed Wednesday.

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First closing of principal discount tool gives banks, CUs a lock-in exit

Affordable housing, Housing markets, LOAN PRODUCTS, Mortgage Rates, Mortgages, Servicing /

The first-ever DREAM transaction has closed with owners of a Chicago home receiving a check for over $41,000 to help pay down a portion of the principal on their existing mortgage. Processing Content The funds reduce the amount of principal the borrowers pay, but the note holder still receives the full sum. In turn, this

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Weekly pending home sales show yearly growth as mortgage rates fall

Housing Inventory, Housing Market, Housing Market Tracker, HWmember, Mortgage Rates, New listings, Purchase Applications /

A ton of housing data snapped back last week as it should have from the holiday-impacted week before: active inventory, new listings and weekly pending home sales all grew above trend. This usually happens when we have a major holiday the previous week that slows data, but mortgage rates have also fallen and we are

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