Posts Covering Mortgage Rates

What mortgage rate history can tell us about the future

How useful is mortgage rate history? Mortgage rate history may sound a pretty boring topic. Indeed, you may subscribe to the Henry Ford school, which believes that all history is bunk. However, knowing how mortgage rates behaved in the past can help you understand what might happen to them in the future. That knowledge could […]

Is 2018 the year you should become a homeowner?

Happy new year — as a homeowner Is your new year's resolution for 2018 to become a homeowner? Or would you make it one, if only you thought it was a smart move — and you stood a chance of achieving it? Well, read on because you might find some good news. 2018: A vintage […]

Mortgage rates: Almost everything you want to know

Know more about mortgage rates, and you'll get a better rate. Understand how rates are made and how to best shop for FHA, VA, USDA, & conventional loans.

Mortgage rate predictions for 2018: expert opinions

Where are mortgage rates headed this year? The bad news is that most experts think higher. The good news is, not much higher.

Federal Reserve Chair to Congress: ‘U.S. economy has strengthened’

Federal Reserve says things are looking up U.S. economic growth has strengthened in 2017, signaling the need for gradual interest rate hikes to ensure a continued recovery, Federal Reserve Chair Janet Yellen told lawmakers Wednesday. Yellen didn’t give specifics on whether the Federal Open Market Committee, or FOMC, will increase interest rates at its meeting, […]

The best day of the week for locking mortgage rates

Mortgage rates change all day, every day -- but what's the best day to lock something in? Analysis of MBS data, helpful conclusions, plus today's live rates.

Fed meeting: Interest rates remain as-is; hurricane impact negligible

The Fed holds rates steady. But another hike is expected in December. What does that mean for mortgage shoppers?

Investment property mortgage rates: How much more will you pay?

Investment property mortgage rates are higher than those of primary residences. They are also harder to get. There are ways to pay less for your home loan, though.

Do Some States Have Cheaper Mortgage Rates?

Where you live can affect your final mortgage rate. But you can use local factors to your advantage when rate shopping.

Mortgage rates just hit a 2017 low, so why aren’t homeowners refinancing?

Mortgage rates are approaching lower levels, but homeowners haven't heard. Four reasons homeowners are missing out on today's rates.

Reader question: How can I shop for a mortgage when lenders won’t give a loan estimate?

When you shop for a mortgage, you compare interest rates and loan costs and terms using the Loan Estimate (LE). But how can you do this without a property address, when lenders won't provide an LE?

Factors that drive your mortgage rate: property type and use

What determines the your mortgage rate when you buy or refinance a home? The lender's pipeline (amount of business it has) is one factor. But one that you may be able to ignore.

How the points you pay determine your mortgage rate

What determines the your mortgage rate when you buy or refinance a home? The lender's pipeline (amount of business it has) is one factor. But one that you may be able to ignore.

How loan features affect your mortgage rate (and what to do about them)

What determines the your mortgage rate when you buy or refinance a home? The loan's features, including interest-only payments and adjustable interest rates affect its cost.

How your loan size affects your mortgage rate (and what to do about it)

What determines the your mortgage rate when you buy or refinance a home? Your loan size, for one thing. Very large and very small loans have extra fees for different reasons.

How your location affects your mortgage rate (and what to do about it)

What determines the your mortgage rate when you buy or refinance a home? Its location, for one thing.

How the global economy affects your mortgage rate (and what to do about it)

What determines the mortgage rate you're offered by lenders? A lot. You have control over some of these factors. Here's how to get the best rate you can.

The 10 factors that affect your mortgage rate (and what to do about them)

What determines the mortgage rate you're offered by lenders? A lot. You have control over some of these factors. Here's how to get the best rate you can.

How The Fed Affects HELOC Rates

HELOC rates are often based on the Prime rate, which is directly affected by rates set by the Federal Reserve. Here's how you can save money on a HELOC, even when rates increase.

Make Lenders Fight Over You, Plus 6 More Refinance Rate Strategies

Just about anyone can get a low rate in today’s market. But that's no excuse to leave money on the refinance table.

2018 Conforming, FHA, & VA Loan Limits

Mortgage loan limits for every U.S. county, as published by Fannie Mae & Freddie Mac, the Federal Housing Administration (FHA), and the Department of Veterans Affairs (VA)