Mortgage
How to Compare Two Mortgages Side by Side in the US
Learn how to compare mortgage offers side by side to find the lower true cost, including rates, fees, and total interest paid.
Rates
Articles about rates under Mortgage.
Mortgage
How to Calculate Your New ARM Payment When Rates Reset in the US
When your adjustable-rate mortgage hits its reset date, your monthly payment can change significantly. Understanding how lenders recalculate your payment helps you plan ahead and avoid surprises.
Mortgage
How Federal Reserve Rate Changes Affect Mortgage Rates in the US
Learn how Federal Reserve rate decisions influence mortgage interest rates and what borrowers should watch for when planning to buy or refinance.
Mortgage
Mortgage Rate Lock: When to Float vs Lock Before the FOMC Meeting in the US
Learn when to lock your mortgage rate versus floating ahead of the Federal Reserve's September FOMC meeting, and how Fed policy shifts can affect your decision.
Mortgage
Mortgage Points Checklist: Should You Buy Down Your Rate in the US?
A practical checklist to help you decide whether buying mortgage discount points makes financial sense for your situation.
Mortgage
Fixed-Rate vs. Adjustable-Rate Mortgages in the US: A Buyer's Guide
Compare fixed-rate and adjustable-rate mortgages to determine which loan structure fits your financial timeline, risk tolerance, and homeownership plans in the US market.
Mortgage
Adjustable-Rate Mortgage Risks When the Fed Holds Rates Steady in the US
When the Federal Reserve holds rates steady, ARM borrowers may assume their payments will stay flat too, but that is not how adjustable-rate mortgages work.
Mortgage
FOMC July 28-29 Decision: Should You Refinance Now or Wait for Fall Rate Moves in the US?
The Federal Reserve's July 2026 meeting could signal rate changes ahead. Here's what borrowers need to know about timing a refinance.
Mortgage
Summer Home Buying 2026: Mortgage Rates and What to Expect After the July FOMC in the US
Mortgage rates remain elevated following the July 2026 FOMC meeting, with the Federal Reserve holding rates steady as inflation persists above target.
Mortgage
How Mortgage Points Work in the United States
Learn how mortgage points can reduce your interest rate, when buying points makes financial sense, and how to calculate your break-even timeline.
Mortgage
Fixed vs. Variable Mortgage Rates in the US: What You Need to Know
Understanding the difference between fixed-rate and adjustable-rate mortgages helps you choose the loan structure that matches your financial plans and risk tolerance.
Mortgage
How to Compare Fixed-Rate and Adjustable-Rate Mortgages in the US
Choosing between a stable interest rate and a fluctuating one is a critical housing decision. Learn how fixed-rate and adjustable-rate mortgages work in the US to make an informed choice.
Mortgage
Understanding Mortgage Points and Whether to Buy Them Down in the US
Learn what mortgage points are, how they work, and whether buying down your interest rate makes financial sense for your home purchase.
Mortgage
Mortgage and Refinance Interest Rates in the US on May 1, 2026: Inflation Concerns Send Rates Higher
On May 1, 2026, US mortgage rates climbed as renewed inflation fears gripped markets, pushing the 30-year fixed rate above 7% and making borrowing more expensive for homebuyers and those considering a refinance.
Mortgage
US Mortgage and Refinance Rates: Conventional Rates Rise on May 13, 2026
Conventional mortgage and refinance interest rates moved upward across the board on May 13, 2026, driven by persistent inflation concerns.
Mortgage
US Mortgage Rates Today: Minimal Week-Over-Week Movement (July 7, 2026)
Mortgage and refinance rates in the United States remain largely unchanged from last week, with 30-year fixed rates hovering near recent levels and economic signals pointing to continued stability.
Mortgage
What the Fed Rate Pause Means for Mortgage Interest Rates in the US
A Federal Reserve rate pause does not automatically lower mortgage rates in the US, but it can bring stability to home buyers.
Mortgage
Mortgage and Refinance Interest Rates in the US for June 6, 2026: Fixed Rates Are Rising
Fixed mortgage rates were elevated around June 6, 2026, with 30-year rates near the mid-6% range. Borrowers should compare APR, points, and closing costs before locking a rate.
Mortgage
Mortgage and Refinance Rates in the US for the July 4 Holiday Weekend
Mortgage and refinance rates were mixed over the July 4 holiday weekend, with purchase rates holding steadier than some refinance quotes. Borrowers should compare APR, points, and closing costs before locking.
Mortgage
Adjustable-Rate Mortgage Risks in the US When the Fed Holds Rates Steady in Summer
A steady Federal Reserve does not make an adjustable-rate mortgage risk-free. ARM borrowers still need to watch reset dates, indexes, margins, caps, and refinance timing.
Mortgage
Summer Home Buying in the US: Mortgage Rates to Expect After the July 2026 FOMC
Mortgage rates are lower than they were a year ago, but buyers should not expect the July Fed meeting to instantly reset home loan pricing. Watch Treasury yields, lender spreads, and rate-lock terms before making an offer.
Mortgage
Mortgage and Refinance Interest Rates in the US for June 15, 2026
Purchase and refinance mortgage rates stayed close on June 15, 2026, with the 30-year fixed average still below 7%. Borrowers should compare APR, fees, points, and closing costs before locking a rate.
Mortgage
Mortgage and Refinance Rates in the US Today, May 16, 2026
Mortgage rates moved higher in mid-May 2026 as Treasury yields rose. Buyers and refinancers should compare APRs, points, and total closing costs before locking.
Mortgage
Mortgage and Refinance Interest Rates Today in the US: June 28, 2026
Mortgage and refinance rates were slightly lower than earlier in the week, but affordability remains tight. Borrowers should compare APRs, points, and closing costs before locking.
Mortgage
Why a Fed Rate Cut May Not Lower Mortgage Rates in the US
A Federal Reserve rate cut can help some borrowing costs, but mortgage rates do not move in lockstep with the Fed's policy rate. Here is why home loan rates may stay high even after the Fed cuts.
Mortgage
Mortgage and Refinance Interest Rates in the US on May 4, 2026: Will Rates Rise Again This Week?
Mortgage and refinance rates moved higher on May 4, 2026. The risk of another increase this week depends mainly on inflation data, Treasury yields, and Federal Reserve signals.
Mortgage
Mortgage and Refinance Rates in the US Today, May 22, 2026: A Small Move Lower
Mortgage and refinance rates eased slightly on May 22, 2026, but borrowing costs remained high by recent standards. Here is what the move means for US buyers and homeowners.
Mortgage
Fed Rate Cuts and Mortgage Rates in the US: What Buyers Can Expect in 2026
Fed rate cuts do not automatically make mortgage rates fall. In 2026, buyers should watch Treasury yields, inflation, and lender quotes more closely than headlines alone.
Mortgage
Mortgage Rates Today in the US: June 4, 2026 Update
Mortgage rates were still near 6.5% on June 4, 2026. Here is what buyers and refinancers should know before locking a rate.
Mortgage
Mortgage and Refinance Interest Rates in the US Today, June 13, 2026: All Rates Moving Lower
Current mortgage and refinance rates declined across all major loan types on June 13, 2026, with the 30-year fixed rate dropping below recent averages.
Mortgage
Mortgage and Refinance Interest Rates Today in the US: June 8, 2026
Purchase and refinance mortgage rates are tracking closely together as of Monday, June 8, 2026, offering similar terms for both homebuyers and existing homeowners.
Mortgage
Mortgage and Refinance Rates Today in the US, June 23, 2026
US mortgage and refinance rates were mixed on Tuesday, June 23, 2026. Borrowers should compare APR, points, and closing costs before locking.
Mortgage
Mortgage and Refinance Rates in the US: June 24, 2026 Update and Weekly Outlook
Current mortgage and refinance interest rates as of June 24, 2026, plus factors that could drive rates up or down this week.
Mortgage
Mortgage and Refinance Interest Rates Rise in the US: June 3, 2026 Update
US mortgage rates reversed recent declines today, with 30-year fixed rates climbing back above recent lows as bond markets react to stronger-than-expected economic data.
Mortgage
Mortgage Rates in the US Show Mixed Movement in Late June 2026
Current mortgage and refinance rates show mixed trends as of late June 2026, with some loan products seeing slight increases while others edge lower.
Mortgage
Mortgage and Refinance Interest Rates Today in the US: Rates Higher Compared to Last Week
Current mortgage and refinance rates rose this week across most loan types, with 30-year fixed mortgages climbing above recent lows.
Mortgage
Mortgage Rates Dropped This Week in the US as Iran Peace Deal Took Shape
Mortgage rates fell to multi-month lows this week as diplomatic progress in Iran eased geopolitical risk and sent investors toward US Treasury bonds, lowering borrowing costs for homebuyers and those refinancing.
Mortgage
How Rising Interest Rates Impact Mortgage Borrowing in the US
Higher interest rates increase monthly mortgage payments, reducing the maximum loan amount lenders will approve based on debt-to-income limits and potentially disqualifying borrowers who previously met affordability thresholds.
Mortgage
The Fed Holds Interest Rates Steady: Impact on the US Housing Market
The Federal Reserve's decision to hold rates steady creates ripple effects for mortgage borrowers and homebuyers across the United States.
Mortgage
US Mortgage and Refinance Interest Rates Today, June 20, 2026: Fixed Rates Continue to Fall
Fixed-rate mortgage rates in the United States have declined for the third consecutive week as of June 20, 2026, creating opportunities for both homebuyers and refinance candidates.
Mortgage
What is an Offset Mortgage and How Does It Work in the US
Offset mortgages link your savings to your mortgage to reduce interest, but they are not widely available in the US market. Learn about the concept and the US alternatives that achieve similar goals.
Mortgage
What the Fed Rate Pause May Mean for Mortgage Interest Rates in the US
Understanding how Federal Reserve rate decisions influence mortgage rates and what a pause could mean for homebuyers and refinancers.
Mortgage
Mortgage and Refinance Interest Rates Today, Sunday, May 31, 2026: Fixed Rates Edge Lower, ARMs Remain Volatile
Fixed-rate mortgages decline modestly while adjustable-rate mortgages show continued volatility as markets digest recent Federal Reserve signals and economic data.
Mortgage
Summer Rate Lock Strategy for Buyers Planning to Close in August
Learn when and how to lock your mortgage rate if you are buying a home this summer with an August closing date.
Mortgage
Fixed vs Variable Rate Mortgage: Which Option Suits Your Situation
Learn how to choose between a fixed-rate mortgage and an adjustable-rate mortgage by evaluating your budget, timeline, and risk tolerance.
Mortgage
How Mortgage Points Work and Whether to Buy Them
Understand discount points and origination points, how buying points lowers your rate, and how to know if paying for points is worth it.
