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The Mortgage Reports
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themortgagereports@themortgagereports.com
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Launched in 2004, The Mortgage Reports was one of the first mortgage blogs on the internet. It started as a loan officer’s blog that helped drive personal business. By the early 2010s the website was nationally known for its in-depth coverage of mortgage and real estate news, plus why it matters to the everyday mortgage shopper. This was not your typical finance website. It was practical, useful, and focused not on industry professionals but the typical home buyer and homeowner. Over the years, the website grew to a readership of millions per year. In 2014, it was acquired by Full Beaker, Inc., a consumer-focused online media company, which runs and manages the site today.

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themortgagereports@themortgagereports.com
+1 866-240-7180
200 112th Ave NE Bellevue, WA 98004
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251 Posts
Mortgage and refinance rates today, July 2, and rate forecast for next week
Once again I'm ducking my duty of making a forecast for next week's mortgage rates. Average mortgage rates ended June higher than they began it. While you're reading last week's report, check out why our current circumstances could see mortgage rates rise, even if we end up in a deep recession. Mortgage interest rates forecast for next week Once again, there's no prediction for what might happen to mortgage rates next week. How your mortgage interest rate is determined Mortgage and refinance rates are generally... more
Mortgage and refinance rates today, July 2, and rate forecast for next week
Mortgage And Refinance Rates, July 1 | Rates falling today
Current mortgage and refinance rates Should you lock a mortgage rate today? Don't lock on a day when mortgage rates look set to fall. Caveats about markets and rates Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about what would happen to mortgage rates that day. Important notes on today's mortgage rates Here are some things you need to know: A lot is going on at the moment. In the case of MBSs, lower yields... more
Mortgage And Refinance Rates, July 1 | Rates falling today
South Carolina First-Time Home Buyer: 2022 Programs and Grants
The median home sales price in South Carolina was $326,000 in May 2022, according to Redfin. The state offers home buyer education classes, special mortgages, and down payment assistance. Forgivable Down Payment Assistance SC Housing doesn’t offer grants to South Carolina first-time home buyers. But it does offer forgivable second mortgage loans to those who are eligible. They charge 0% interest and require no monthly payments. Those forgivableSecond mortgages are fairly lenient. They are fairlylenient. And... more
South Carolina First-Time Home Buyer: 2022 Programs and Grants
New American Funding Review for 2022 | The Mortgage Reports
New American Funding mortgage review showing how NAF compares to other top lenders for mortgage rates, customer service, and loan options.
New American Funding Review for 2022 | The Mortgage Reports
Mortgage and refinance rates today, June 30, 2022
Today’s mortgage and refinance rates  Average mortgage rates fell moderately yesterday. But the drop was roughly a quarter of the overall rise over the previous three business days. So, it […]
What is a home equity investment? Guide to equity sharing agreements
A home equity investment could help you tap your home's cash value without refinancing. Learn more about equity sharing agreements here.
Why rate hikes could be good news for home buyers (Podcast)
Mortgage rates are rising. But one expert says that in some ways, that could be good news for home buyers. Here's why.
Mortgage and refinance rates today, June 29, 2022
Today’s mortgage and refinance rates  Average mortgage rates rose moderately yesterday. Another day like that and those for conventional, 30-year, fixed-rate mortgages would be back above 6%. Let’s hope we’re […]
Early Prime Day Deals for Homeowners: July 11-12, 2022
Amazon Prime Day happens July 11-12. Learn about Prime Day deals for homeowners and see early Prime Day offers here.
Mortgage And Refinance Rates, June 28 | Rates rising today
The yield on 10-year Treasury notes rose to 3.23% from 3.16% (Bad for mortgage rates) More than any other market, mortgage rates normally tend to follow these particular Treasury bond yields. When investors are buying shares, they’re often selling bonds, which pushes prices down. The opposite may happen when indexes are lower. But this is an imperfect relationship. Energy prices play a prominent role in creating inflation. Gold tends to rise. It is generally better for rates. And worried investors tend to... more
Mortgage And Refinance Rates, June 28 | Rates rising today
Mortgage assistance could help 1 in 3 denied home buyers
One in three home buyers who were denied a mortgage could be helped with homebuyer assistance. Here's how to find help.
How much is the down payment for a $300,000 house?
How big is the down payment for a $300,000 house? That depends on the type of mortgage you choose. Check your current options.
Caliber Mortgage Review for 2022 | The Mortgage Reports
Caliber review shows how Caliber Home Loans compares to other top mortgage lenders for mortgage rates
Caliber Mortgage Review for 2022 | The Mortgage Reports
Who should refinance at 6% rates? Five examples (Podcast)
Should you ever refinance when rates are rising? It's no secret that mortgage rates are on the rise. Lower your interest rate The biggest reason to refinance would be to reduce your interest costs. "If rates have dropped since you purchased, you can do a rate-and-term refinance and just get a lower rate and payment," Simental says. "Generally, it's best if you can lower your interest rate by 0.5 to 0.75 percentage points - so from a 6% to a 5.5% or 5.25% rate." Even when rates hit 5%, there were still over a... more
Who should refinance at 6% rates? Five examples (Podcast)
Mortgage And Refinance Rates, June 27 | Rates rising today

Today’s mortgage and refinance rates

Average mortgage rates rose appreciably last Friday. But the increase was much smaller than falls seen earlier in the week. And the last seven days have been kind to those rates.

So far this morning, it’s looking likely that mortgage rates today will move higher again. But that could change as the day progresses.

Current mortgage and refinance

... more
Mortgage And Refinance Rates, June 27 | Rates rising today
Mortgage and refinance rates today, June 25, and rate forecast for next week

Today’s mortgage and refinance rates

Average mortgage rates rose appreciably yesterday. However, that followed a couple of days of sharp fall. And the week as a whole ended much better than it started.

There really is no point in my making predictions for the next week’s mortgage rates when markets are so volatile. Flipping a coin or checking your horoscope are as likely to be as reliable guides as I currently am. One day — I hope soon — markets

... more
Mortgage and refinance rates today, June 25, and rate forecast for next week
15-Year Mortgage Rates Chart | Current And Past 15-Year Rates
A look at 15-year mortgage rates over time 15-year mortgage rates hit all-time lows in 2020 and 2021. The good news is, 15-year mortgage rates are usually substantially lower than 30-year rates. 15-year mortgage rates chart: 2021-2022 Historical 15-year mortgage rates chart Despite recent hikes, 15-year mortgage rates are still just below their historical average. 15-year mortgage rates chart: 1991-2022 15-Year mortgage rates history For some perspective on today's 15-year mortgage rates, here's how the average... more
15-Year Mortgage Rates Chart | Current And Past 15-Year Rates
Mortgage And Refinance Rates, June 24 | Rates steady-ish today

Today’s mortgage and refinance rates

Average mortgage rates fell again yesterday. And by a worthwhile amount. They’re now back below their level on June 10, which was the first day of the recent painful rises.

Mortgage rates today look likely to hold steady or inch higher, according to early market movements this morning. However, that could change later in the day because those markets remain highly volatile.

Current

... more
Mortgage And Refinance Rates, June 24 | Rates steady-ish today
Citi Mortgage Review for 2022 | The Mortgage Reports
Citi Mortgage review showing how the company compares to other top lenders for mortgage rates, customer service reviews, and loan options.
Citi Mortgage Review for 2022 | The Mortgage Reports
Mortgage And Refinance Rates, June 23 | Rates falling today
Finally, some good news! And, in a single leap, the average rate for conventional, 30-year, fixed-rate mortgages is back below 6%. There may be more good news. Caveats about markets and rates Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about what would happen to mortgage rates that day. While it's possible that the fall in mortgage rates that day was the start of a new, sustained downward trend, I very much... more
Mortgage And Refinance Rates, June 23 | Rates falling today
Mortgage And Refinance Rates, June 22 | Rates falling today

Today’s mortgage and refinance rates

Average mortgage rates edged higher yesterday. Since last Wednesday, they’ve barely moved, which is a relief. However, those for conventional, 30-year, fixed-rate mortgages have remained above 6% for the last six business days.

First thing this morning, mortgage rates today looked likely to fall, perhaps appreciably. However, Federal Reserve Chair Jerome Powell is giving testimony on Capitol

... more
Mortgage And Refinance Rates, June 22 | Rates falling today
How much house can you afford at 6% mortgage rates?
What exactly do higher rates mean for home buyers? If you're in the market, how will rates near 6% impact your monthly payment and/or housing budget? Ultimately, that depends on your personal finances and your home buying strategy. How higher mortgage rates can affect your home buying plans Buyers can absorb higher interest rates in one of two ways. Mortgage rateMonthly P&I PaymentAffordable Home Price3%$1,500$338,6306%$1,500$253,580 Of course, finding a home that meets your needs at a lower price point might... more
How much house can you afford at 6% mortgage rates?
Expert financial tips for buying a home in this market (Podcast)

Wondering how to afford a home in this market?

If you’ve spent the past few years saving up to buy your first home, then actively looking through smatterings of available listings before they get snatched up — likely above the asking price — you’re not alone.

Mortgage rates dropped and sent the housing market into a frenzy. A lack of supply and sky-high demand caused property values to grow at a historical pace. And today, inventory

... more
Expert financial tips for buying a home in this market (Podcast)
Mortgage And Refinance Rates, June 21 | Rates rising today
Average mortgage rates inched lower last Friday, though only by a similar tiny amount to Thursday's rise. Current mortgage and refinance rates Should you lock a mortgage rate today? Don't lock on a day when mortgage rates look set to fall. Even if one materializes, I doubt it will take mortgage rates much lower or last long. Caveats about markets and rates Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about... more
Mortgage And Refinance Rates, June 21 | Rates rising today
Veterans United Mortgage Review 2022 | The Mortgage Reports
Veterans United mortgage review showing how the company compares to other top lenders for mortgage rates, customer service, and loan options.
Veterans United Mortgage Review 2022 | The Mortgage Reports
Fairway Mortgage Review for 2022 | The Mortgage Reports
Fairway Mortgage Review showing how the company compares to other top lenders for mortgage rates, customer service, and loan options.
Fairway Mortgage Review for 2022 | The Mortgage Reports
Guaranteed Rate Review for 2022 | The Mortgage Reports
Guaranteed Rate mortgage review showing how it compares to other top lenders for mortgage rates, customer service, and loan options.
Guaranteed Rate Review for 2022 | The Mortgage Reports
Has the housing market finally peaked? Experts weigh in

Has the U.S. housing market peaked?

The real estate market has been hot for a few years now. Buyer demand has stayed strong and home prices have risen dramatically, despite continued low inventory and rising rates. But there are signs that the market may be starting to cool.

Does that mean the market has peaked, and we’re going to see things normalize in the second half of 2022?

We reached out to several experts in the industry to gauge their

... more
Has the housing market finally peaked? Experts weigh in
Mortgage and refinance rates today, June 18, and rate forecast for next week
Today's mortgage and refinance rates inched lower yesterday, mirroring the previous day’s similarly tiny rise. Those for conventional 30-year fixed-rate mortgages have been above 6% since Monday. The month (and especially the last eight days) has been shockingly bad. But, overall, the month has been remarkably bad. We might be in for a slightly calmer. But I reckon mortgage rate rises are likely to outweigh falls. As long as inflation remains uncomfortably hot, it will be a tough sell to get investors to buy... more
Mortgage and refinance rates today, June 18, and rate forecast for next week
The 10 best mortgage lenders of 2022: Rates and reviews

What’s the best mortgage lender?

The best mortgage lenders should have excellent customer service, a broad range of mortgage products, and competitive rates and fees. Each of our 10 best lenders excels in all these areas.

But remember, our top pick won’t necessarily be yours. You need to get quotes from multiple lenders to be sure you’re getting a great deal.

Editor’s note: The Mortgage Reports may be

... more
The 10 best mortgage lenders of 2022: Rates and reviews
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