As we wrapped up 2025, housing affordability was clearly on the White House’s radar. One idea that grabbed headlines was the idea of a 50-year mortgage. While it was widely criticized — mostly because the long-term interest cost would be enormous, and the monthly savings it provided would pale in comparison — it signaled something important:…
A look back at mortgage interest rates over 2025, with an eye toward what we can expect in 2026 As the year winds down, I wanted to quickly revisit a frequent topic: Mortgage rates! They’ve been a bit frustrating lately. They haven’t fallen as much as many people expected, but they also haven’t shot significantly…
Affordability has been the big headline for years now – and honestly, for good reason. Between fast home-price growth, tight inventory, and mortgage rates that aren’t exactly doing us favors, it’s become harder for everyday buyers to comfortably step into the market. Just a quick reminder: These articles I share here are researched and written…
The Federal Reserve finally cut the Fed Funds Rate by 0.25% on September 17, 2025 – the first cut in more than four years. While that rate affects how banks lend to each other, it doesn’t directly control mortgage rates. Still, the move had been widely anticipated across the real estate and mortgage world. Just a quick…
Mortgage rates are now sitting at their lowest point in the past 12 months—a welcome shift for both homeowners and buyers! This move comes as labor market data continues to soften, reinforcing expectations that the Federal Reserve will cut rates later this month. But here’s the important part: the bond market is already pricing that…
Is the moment upon us—the moment millions of homeowners who have purchased since 2022 have been waiting for: an opportunity to refinance their mortgage to a lower rate and payment? We’ve been writing in this newsletter for months now that the Federal Reserve Bank (FED) has a keen eye on the labor market: The FED…
It’s been an interesting Summer this year when it comes to housing and financial markets! In many ways, it feels like the markets have been holding their breath. But why? What’s the FED waiting for? All eyes have been on the Federal Reserve (FED), with the hope that they’ll cut interest rates. After all, the…
Can you believe we’re almost halfway through 2025 already? The first half of this year has been an interesting one for housing, as financial markets try to adapt to a new administration in the White House. Let’s look at the bigger picture to see what may be in store for the rest of 2025 when…
In our last newsletter, written just after the President announced massive tariffs, we discussed how the economic turmoil that resulted was actually good news for mortgage rates, pushing them down – and fast! For a brief moment, it looked like a tremendous refinance opportunity was on the horizon for many people! Just a quick reminder:…
You may have seen in the news this week that President Trump enacted a slew of tariffs and as a result, the stock market has tumbled. While that’s not good news for your 401k, there is a silver lining: This is fantastic news for mortgage rates. Since the announcement of the tariffs earlier this week, mortgage rates…
