Posts Tagged ‘mortgage rates’
2026: What’s in store for mortgage interest rates?
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:…
Read MoreThe FED finally cut rates – now what?
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…
Read MoreMortgage rates are falling – without the FEDs help
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…
Read MoreRefinance Now?
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…
Read MoreMortgage rates: Still held up by the labor market
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…
Read MoreHousing is still tight. Rates remain stubborn. Why, and what’s next?
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…
Read MoreOpportunity or Caution? The Latest Twist in Mortgage Rates After Tariff Talks
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:…
Read More
