Marco Santarelli

MAY 24, 2025

Several critical factors influence mortgage rates, and understanding them can equip borrowers with the knowledge to make informed decisions: Economic Indicators : Inflation rates, employment data, and overall economic growth can lead to shifts in mortgage rates. How do I secure the best mortgage rate?

Mortgages 52

Mortgages Fixed-rate mortgage Debt-to-income ratio Loans 52

Marco Santarelli

APRIL 7, 2025

This concern has caused a dip in investor confidence, resulting in lower yields on U.S. Treasury bonds, which often influences mortgage rates. Fixed-Rate vs. Adjustable-Rate Mortgages Choosing between a fixed-rate and an adjustable-rate mortgage (ARM) is a key decision for homebuyers.

Mortgages 59

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 59

Marco Santarelli

MAY 18, 2025

Adjustable Mortgage options can be broadly classified into fixed-rate and adjustable-rate mortgages (ARMs). Fixed-Rate Mortgages : The interest rate remains constant throughout the life of the loan, making it easier for borrowers to plan their budgets, as monthly payments remain predictable.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 52

Marco Santarelli

MAY 5, 2025

Today's Mortgage Rates – May 5, 2025: Rates Increase by Nine Basis Points Key Takeaways Mortgage rates increased today, May 5, 2025, with key rates rising. 30-year fixed-rate mortgage is now 6.70% ; 15-year fixed-rate has reached 5.95%. HOT NEW LISTINGS JUST ADDED!

Debt-to-income ratio 52

Debt-to-income ratio Mortgages Fixed-rate mortgage Loans 52

Norada Real Estate

MAY 5, 2025

Today's Mortgage Rates – May 5, 2025: Rates Are Higher Than Last Week Key Takeaways Mortgage rates increased today, May 5, 2025, with key rates rising. 30-year fixed-rate mortgage is now 6.70% ; 15-year fixed-rate has reached 5.95%. HOT NEW LISTINGS JUST ADDED!

Debt-to-income ratio 52

Debt-to-income ratio Mortgages Fixed-rate mortgage Loans 52

Marco Santarelli

DECEMBER 22, 2024

Treasury Yields: The 10-year Treasury yield is a significant benchmark for mortgage rates. When yields rise, so do mortgage rates, and vice versa. Currently, as yields have been on the rise, mortgage rates have followed suit. This can be valuable if interest rates rise in the future.

Mortgages 52

Mortgages VA loan Fixed-rate mortgage Debt-to-income ratio 52

Marco Santarelli

MARCH 25, 2025

Here is a breakdown of current rates based on the latest information from Zillow: Loan Type Rate 30-Year Fixed 6.58% 20-Year Fixed 6.36% 15-Year Fixed 5.97% 5/1 ARM 6.72% 7/1 ARM 6.76% 30-Year VA 6.10% 15-Year VA 5.63% 5/1 VA 5.13% It's essential to recognize that these figures represent national averages.

Mortgages 52

Mortgages Fixed-rate mortgage Debt-to-income ratio Principal 52

Marco Santarelli

JANUARY 6, 2025

Generally, higher credit scores qualify for lower rates, while lower scores lead to higher rates. Lenders also consider debt-to-income ratios and down payment amounts when setting rates. Generally, fixed-rate mortgages tend to have higher initial rates compared to variable rates.

Mortgages 97

Mortgages Debt-to-income ratio Fixed-rate mortgage VA loan 97

Marco Santarelli

MARCH 3, 2025

Economic Growth: A strong economy usually leads to higher interest rates, while a weaker economy can push them down. Investor Confidence: When investors are confident in the economy, they tend to invest in stocks and other higher-yielding assets. This can lead to higher mortgage rates. 30 years, 15 years).

Mortgages 102

Mortgages Fixed-rate mortgage Debt-to-income ratio Pre-approval 102

HomeLight

JUNE 22, 2023

Debt-to-income ratio After looking at how much money is flowing into your household, you’ll want to write down your monthly debts. That’s because lenders will also look at your debt-to-income ratio, or DTI. That number will be your debt-to-income ratio.

Debt-to-income ratio 98

Debt-to-income ratio Mortgages FHA loan Loans 98

Marco Santarelli

MAY 6, 2025

States With the Lowest Mortgage Rates Today May, 06 2025 National Mortgage Rate Snapshot Before we zoom in on the states with the lowest rates, let's get a national overview. As of today, May 6, 2025, the national average for a 30-year fixed-rate mortgage is 7.00%.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 52

Marco Santarelli

MAY 22, 2025

Currently, rising concerns about national debt are adversely impacting bond market performance. When investors perceive uncertainty in government fiscal policies, they often demand higher yields on bonds, thus driving up mortgage rates. Higher credit scores generally yield lower rates. HOT NEW LISTINGS JUST ADDED!

Mortgages 52

Mortgages Debt-to-income ratio Principal Loans 52

Marco Santarelli

MARCH 6, 2025

Decoding Mortgage Jargon: What Does It All Mean? Let's be real, the mortgage world is full of confusing terms. Let me break down some of the most important ones: Fixed-Rate Mortgage: The interest rate stays the same for the entire loan term. Predictability is the name of the game here! A lower DTI is better.

Mortgages 64

Mortgages Debt-to-income ratio Loans Principal 64

Marco Santarelli

JANUARY 23, 2025

Current Rate: 7.02% Monthly Payment Calculation: Borrowers will pay about $666.65 With their popularity continuing to rise among wealthier homebuyers, understanding fluctuations in rates could lead to better financial planning for investors. mortgage rates. Investors often seek safer investments like U.S.

Mortgages 52

Mortgages Debt-to-income ratio Loans Fixed-rate mortgage 52

Norada Real Estate

MAY 22, 2025

Currently, rising concerns about national debt are adversely impacting bond market performance. When investors perceive uncertainty in government fiscal policies, they often demand higher yields on bonds, thus driving up mortgage rates. Higher credit scores generally yield lower rates. HOT NEW LISTINGS JUST ADDED!

Mortgages 52

Mortgages Debt-to-income ratio Principal Loans 52

HomeLight

OCTOBER 15, 2020

Maximum debt-to-income ratio of 43% (this is known as DTI, and it looks at how much debt you pay each month versus how much income you bring in). Minimum down payment amount of 5% (or even as low as 3% for certain programs for low- to middle-income borrowers). Fixed-rate mortgage.

Loans 98

Loans Debt-to-income ratio FHA loan VA loan 98

Marco Santarelli

OCTOBER 14, 2023

According to Freddie Mac's Primary Mortgage Market Survey (PMMS) , which tracks the average rates for 30-year fixed-rate mortgages since 1971 , mortgage rates have ranged from a record low of 2.65% in January 2021 to a record high of 18.63% in October 1981.

Debt-to-income ratio 88

Debt-to-income ratio Mortgages Fixed-rate mortgage Construction 88

Marco Santarelli

SEPTEMBER 30, 2023

According to Bankrate, the average FHA loan rate for credit scores of 680-699 is 5.531% as of September 30, 2023. However, it is important to note that interest rates can vary depending on a number of factors, including the loan amount, loan term, and the borrower's debt-to-income ratio.

FHA loan 105

FHA loan Mortgages Debt-to-income ratio Loans 105

Marco Santarelli

OCTOBER 6, 2024

Market Influences : Various economic factors—including decisions by the Federal Reserve, inflation trends, unemployment rates, and the impact of the upcoming election cycle—will significantly influence these mortgage rate predictions. On the flip side, when the Fed lowers rates, it generally makes home loans more affordable.

Mortgages 97

Mortgages Debt-to-income ratio Fixed-rate mortgage Banks 97

Marco Santarelli

JUNE 25, 2024

Today's Mortgage Rates & Predictions for Next Week Good News for Long-Term Homeowners: 30-Year Rates Drop There's a ray of hope for those seeking stability and predictability. The average 30-year fixed-rate mortgage, the most popular option, has dipped to 7.00%, a welcome decrease of 2 basis points from last week.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Equity 52

HomeLight

AUGUST 28, 2020

Government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac play a big part in your mortgage rate. These government-backed agencies buy huge numbers of mortgages from lenders, bundle them together, and then sell them to investors. GSEs basically act like a middleman between mortgage lenders and investors.

Mortgages 104

Mortgages Loans Fixed-rate mortgage Principal 104

Marco Santarelli

DECEMBER 14, 2024

On December 14, 2024, mortgage rates have increased slightly, highlighting the influence of economic fluctuations and upcoming Federal Reserve decisions. The 30-year fixed-rate mortgage has climbed to 6.42% , while the 15-year fixed rate is at 5.79%. How to secure the lowest refinance rate?

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 52

Marco Santarelli

APRIL 26, 2023

Additionally, sellers can price their homes appropriately, considering the current interest rate environment, to attract buyers and maximize their returns. Investors can also hedge against interest rate risks by diversifying their portfolios and investing in different asset classes.

Marketing 52

Marketing Debt-to-income ratio Fixed-rate mortgage Banks 52

Marco Santarelli

JUNE 5, 2025

Investors and potential homeowners alike should take note of the financial implications of these changes as they navigate their housing needs. Today's Mortgage Rates – June 5, 2025: Rates Drop Sharply Across the Board Key Takeaways Mortgage rates: 30-year fixed rates at 6.88% , down from 6.90%.

Mortgages 52

Mortgages VA loan Debt-to-income ratio FHA loan 52

Marco Santarelli

FEBRUARY 27, 2025

Mortgage rates are the cost associated with borrowing money from lenders to purchase a home. Understanding the different types of mortgage rates and their dynamics is vital for making informed financial decisions. Higher credit scores can lead to lower interest rates. mortgage rates.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 52

Real Estate Finance HQ

AUGUST 25, 2017

Housing Ratio. Debt to Income Ratio. Mortgage Insurance. Interest Rates. Mortgage Limits. Debt-to-income ratio. The FHA allows a debt-to-income (DTI) ratio of 41% on their mortgages (most conventional loans allow only 36%). Fixed Rate Mortgages.

FHA loan 40

FHA loan Debt-to-income ratio Inspection Loans 40

The Close

DECEMBER 29, 2022

This tool, also known as a like-kind exchange, allows investors to defer paying capital gains taxes on a sale. If you want to work with real estate investor clients, read our own Sean Moudry’s simple, yet thorough run down: “ How to Explain 1031 Exchange Rules to Your Clients.” Debt-to-income ratio (DTI).

Purchase and sale agreement 98

Purchase and sale agreement Title Pre-approval Proof of funds 98

Marco Santarelli

APRIL 6, 2025

The relationship between these tariffs and investor sentiment has led to lower yields on U.S. Treasury bonds, which are a crucial factor influencing mortgage rates. Fixed-rate mortgages maintain the same interest rate throughout the loan term, providing predictability in monthly payments.

Debt-to-income ratio 59

Debt-to-income ratio Mortgages Pre-approval Pre-qualification 59

Marco Santarelli

APRIL 24, 2025

Think of it this way: the Fed funds rate has a more direct impact on short-term interest rates , like those on savings accounts, credit cards, and personal loans. Mortgages, especially fixed-rate mortgages, are long-term loans, and their rates are influenced by a broader range of factors.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Lending 52

Marco Santarelli

FEBRUARY 5, 2025

If it shows a significant increase in unemployment, it could signal a slowing economy and lead to further rate declines. Of course, market sentiment and investor expectations also play a role. Uncertainty about the future can lead to volatility in the bond market, which in turn affects mortgage rates.

Mortgages 93

Mortgages Fixed-rate mortgage Debt-to-income ratio VA loan 93

Marco Santarelli

MAY 22, 2025

National Average: The national average for a 30-year fixed-rate mortgage is currently at 7.11%, showing a slight increase due to bond market activity influenced by President Trump's proposed tax bill. These rates are often based on very specific scenarios, like having an excellent credit score or paying points upfront.

Mortgages 52

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 52

Marco Santarelli

FEBRUARY 10, 2025

Understanding current mortgage rates is crucial as they significantly impact the affordability of homes. As rates fluctuate, they can create waves in the housing market that affect buyers, sellers, and investors. A lower debt-to-income ratio or a larger down payment can often lead to more favorable mortgage terms.

Debt-to-income ratio 52

Debt-to-income ratio Mortgages Fixed-rate mortgage VA loan 52