Finance Fixed-rate mortgage Lending 
Housing Wire
APRIL 10, 2025
homeowners hold mortgages below 4%, according to the Federal Housing Finance Agency. With current rates hovering near 7%, selling a home today often means trading a historically low payment for one nearly double the size. Mortgage originations have dropped off a cliff. And while U.S. Nearly two-thirds of U.S.
Marco Santarelli
DECEMBER 29, 2024
Typically expressed as annualized percentages, these rates are influenced by a variety of factors including: Economic Conditions: Broad economic stability, inflation levels, and Federal Reserve policies significantly shape mortgage rates.
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Marco Santarelli
JANUARY 1, 2025
Understanding Mortgage Rates Mortgage rates are the interest rates that lenders charge on home loans. These rates can be classified as fixed-rate or adjustable-rate (ARM). As the Fed adjusts its rate in response to economic conditions, those changes ripple through the lending market.
Marco Santarelli
OCTOBER 26, 2024
As of October 24, 2024, mortgage rates have climbed north of 6.5% The average 30-year fixed-rate mortgage now sits at 6.54% , a slight rise from 6.44% the previous week, reflecting a prevailing trend of increasing rates that have now persisted for four consecutive weeks.
Marco Santarelli
MAY 27, 2025
This tax information plays a crucial role as it is expected to add trillions to the national deficit, leading to potential fluctuations in interest rates. Historically, when government spending increases, it can create upward pressure on mortgage rates, which may leave homebuyers and homeowners feeling anxious about their financing options.
Marco Santarelli
JANUARY 11, 2025
Consequently, they demand higher returns on investments, which inevitably filters down to consumers through increased lending costs. As a counteraction to inflation fears, mortgage lenders have adjusted rates upwards, further complicating the homebuying process. Realtor.com ~6.2% Fannie Mae Average of 6.4% Wells Fargo ~6.3%
Marco Santarelli
MAY 21, 2025
If there are only a few lenders in a state, they might not need to offer the most competitive rates. State-Level Regulations: Each state has its own set of rules and regulations regarding mortgage lending. Average Credit Scores: States with higher average credit scores generally see lower mortgage rates.
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