Marco Santarelli

MARCH 31, 2025

Let's quickly touch on the different types of loans listed. Fixed-rate mortgages (like the 15-year, 20-year, and 30-year options) keep the same interest rate for the entire loan term. This means your principal and interest payment never changes, offering predictability which many homeowners value.

Mortgages

Marco Santarelli

MARCH 16, 2025

Shopping Around is Crucial: In this market, comparing lenders is more important than ever to find the best deal. Current Mortgage Rate Trends It's Sunday, March 16, 2025, and if you're in the market for a home, understanding today's mortgage rates is essential. The 30-year VA is at 6.15% , and the 15-year VA is even lower at 5.59%.

Mortgages

Redfin

JULY 23, 2025

Stronger offer: A higher down payment can make your purchase offer more competitive in a seller’s market. Reduces the mortgage principal, leading to lower monthly payments and total interest over time. Acts as a risk mitigant for lenders by lowering the loan-to-value (LTV) ratio. USDA loans are backed by the U.S.

FHA loan

Marco Santarelli

MARCH 11, 2025

The interplay between current market conditions, Federal Reserve policies, and external economic indicators can create a complex landscape. It's important to note that these figures can fluctuate daily based on market conditions. They require lower minimum down payments and lower credit scores than many conventional loans.

Fixed-rate mortgage

Marco Santarelli

APRIL 12, 2025

As of April 12, 2025, mortgage rates have seen a noticeable increase , reflecting the current volatility in the market. Today's Mortgage Rates – April 12, 2025: Rates Rise Amid Market Volatility Key Takeaways Mortgage Rates Increased: As of April 12, 2025, the 30-year fixed rate stands at 6.90%.

Mortgages

Marco Santarelli

FEBRUARY 26, 2025

And look at those VA loan rates if you're eligible for a VA loan, those are some seriously attractive numbers, especially the 15-year VA at just 5.30%. That's why the advice from many in the know is to be ready to act if you're in the market to buy or refinance. Don't try to time the market perfectly.

Mortgages

The Mortgage Report

JULY 8, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? Approval is similar to a home equity loan , though.

Equity

Marco Santarelli

JUNE 17, 2025

This rate shows no change from the previous week, indicating a period of stability in the housing finance market. Today's Mortgage Rates – June 17, 2025: Stable Rates Ease Pressure on Homebuyers Current market conditions reflect a cautious optimism. VA Loans : The 30-year fixed VA loan is at 6.52% , an increase of 0.11%.

Mortgages

Redfin

JULY 30, 2025

On top of that, it’s also smart to check your local housing market trends and mortgage interest rates. Here are the minimum credit scores needed to qualify for certain loans: Conventional loans: 620-660 Jumbo loans: 700 FHA loans: 500-580 VA loans: no requirement USDA loans: typically 620, but can be lower 8.

Pre-approval

Redfin

FEBRUARY 20, 2025

In competitive markets, offering to cover some or all of the buyers agents fee may help attract more buyers. While not typically mandatory, covering title insurance can make a home more attractive to buyers, especially in a competitive market. This one-time premium costs between $500 and $2,000 , based on the sale price and location.

Closing costs

Marco Santarelli

FEBRUARY 16, 2025

Lets dive deeper into the details of these rates and their implications for your monthly mortgage payments, market trends, and overall housing landscape. When mortgage rates are stable or decrease slightly, it can incentivize more buyers to enter the housing market, especially if home prices remain high.

FHA loan

Marco Santarelli

MARCH 20, 2025

As of March 20, 2025, the mortgage market is showing a slight upward tick , with rates inching up for the second consecutive week. VA Loans – A Benefit for Veterans: Backed by the Department of Veterans Affairs, VA loans offer significant advantages to eligible veterans, active-duty service members, and surviving spouses.

Mortgages

Marco Santarelli

MARCH 27, 2025

VA Loans: Continue to offer potentially lower rates for eligible military-affiliated borrowers. The 30-year VA loan rate is at 6.14%. FHA Loans: May provide lower rates than conventional loans, but typically involve mortgage insurance payments for the duration of the loan. housing market.

Mortgages

HomeLight

MAY 14, 2025

Fast facts about selling a house as is in Vermont Median sales price in Vermont $430,000 Average days on market (DOM) for Vermont 36 Disclosures Vermont law requires sellers to disclose material facts about the property through the Sellers Property Information Report. Your agent should also be willing to go the extra mile on marketing.

As-is

Marco Santarelli

AUGUST 5, 2025

Economic factors such as inflation and growth slowdowns continue affecting mortgage markets. Instead, the Fed’s decisions on the federal funds rate impact bond markets and lending costs. unemployment indicate a softer labor market, which can dampen demand for housing loans. GDP growth slowed to around 1.2%

Mortgages

Redfin

JULY 24, 2025

Reduces the mortgage principal, leading to lower monthly payments and total interest over time. Acts as a risk mitigant for lenders by lowering the loan-to-value (LTV) ratio. Think of it this way: the less money you have to take out as a loan, the smaller the principal amount that your bank calculates your payments on.

Principal

Marco Santarelli

JULY 24, 2025

ARM loans often attract borrowers seeking lower initial rates but come with the risk of rate adjustments later. These subtle shifts reflect a dynamic market still influenced by inflation concerns, economic policies, and Federal Reserve actions. in H2 2025 ~6.1% Linked to inflation and Fed cuts Realtor.com Dip to ~6.4%

Mortgages

Marco Santarelli

JUNE 30, 2025

This demonstrates that different loan terms can react uniquely to market conditions. Government Loans Government-backed loans, like FHA and VA loans, offer different terms and requirements, often making them appealing to first-time homebuyers or veterans. Let's illustrate with an example.

Fixed-rate mortgage

Norada Real Estate

JULY 18, 2025

However, markets currently price in only about a 5% chance of an immediate rate cut in July 2025, expecting more action in September or October instead. Monthly principal and interest payments can be calculated using the mortgage formula or an online calculator. A more cautious lending market post-pandemic. to around 3.9%

Mortgages

Marco Santarelli

JULY 31, 2025

These refinance rate changes reflect mild market adjustments but show a general downward trend in borrowing costs for refinancing, which could encourage some borrowers to explore this option. basis points this week, signaling some variability in that segment of the market. 15-Year Fixed Refi 5.84% -0.06 5-Year ARM Refi 7.87% -0.04

Mortgages

Marco Santarelli

JULY 18, 2025

However, markets currently price in only about a 5% chance of an immediate rate cut in July 2025, expecting more action in September or October instead. Monthly principal and interest payments can be calculated using the mortgage formula or an online calculator. A more cautious lending market post-pandemic. to around 3.9%

Mortgages

Housing Wire

APRIL 9, 2025

1815 to enhance the VAs loss mitigation tool kit, and urges Members to vote Aye to advance H.R. The creation of a permanent partial claim program is a significant and overdue improvement that will benefit both veterans and the broader mortgage market. MBA strongly supports the overarching goal of H.R.

HR

Marco Santarelli

JUNE 17, 2025

This rate shows no change from the previous week, indicating a period of stability in the housing finance market. Today's Mortgage Rates – June 17, 2025: Rates Hold Steady as Fed's Decision Looms Current market conditions reflect a cautious optimism. VA Loans : The 30-year fixed VA loan is at 6.52% , an increase of 0.11%.

Mortgages

Marco Santarelli

MARCH 2, 2025

This type allows homeowners to spread out their payments over three decades, resulting in lower monthly payments compared to shorter term loans. This calculation accounts only for principal and interest, excluding property taxes, homeowners insurance, or any potential PMI required. down payment.

Mortgages

Marco Santarelli

MAY 22, 2025

Everyone's been whispering about it: Will the housing market finally crash in 2025? His 2025 housing market predictions suggest we won't see a collapse. Instead, Ramsey points towards a market that's stabilizing, with prices remaining relatively high and mortgage rates unlikely to plummet back to the historic lows we once saw.

Marketing

Marco Santarelli

JULY 30, 2025

Market sentiment indicates a cautious outlook with inflation and employment data influencing mortgage rate trends. The Fed’s indication to hold rates steady at their July 2025 meeting reflects caution amid weak labor market signals and moderate inflation pressures. 7-year ARM purchase rate: Up notably by 80 basis points to 7.56%.

Mortgages

Marco Santarelli

JULY 29, 2025

These small shifts indicate that the mortgage market is relatively steady but leans slightly higher in the short term, largely influenced by expectations around Federal Reserve policies and economic forecasts. Small rate changes are impacting housing affordability but not drastically shifting the market landscape.

Mortgages

Marco Santarelli

JULY 29, 2025

These small shifts indicate that the mortgage market is relatively steady but leans slightly higher in the short term, largely influenced by expectations around Federal Reserve policies and economic forecasts. Small rate changes are impacting housing affordability but not drastically shifting the market landscape.

Mortgages

Housing Wire

MARCH 27, 2024

But the VA’s current policies place veterans at a “significant disadvantage” compared to other buyers, NAR President Kevin Sears said in a letter submitted Wednesday to John Bell, executive director of VA’s Loan Guaranty Service. The VA didn’t immediately respond to HousingWire’s request for comment.

VA loan

Housing Wire

NOVEMBER 7, 2023

In the aftermath, one of the most contentious issues in the minds of mortgage professionals is how the ruling might affect FHA and VA mortgage borrowers. FHA loans are a popular option for first-time homebuyers or those who don’t have a lot of cash saved for a down payment, because the loans require a minimum of 3.5%

VA loan

Housing Wire

MARCH 21, 2022

It also does not preclude a real estate broker or agent and a lender from collaborating on marketing activities. Sponsorship of events can also be deemed illegal if the event is used for marketing or publicizing a real estate or mortgage company’s services.

Agents

Housing Wire

MAY 12, 2022

During the first quarter of 2022, UWM sold MSRs “on loans with an aggregate UPB [unpaid principal balance] of approximately $56.6 The unpaid principal balance of mortgage loans serviced approximated $303.4 The portfolio primarily consists of high-quality performing agency and government (FHA and VA) loans.”

Sales

Housing Wire

JUNE 5, 2025

The platforms release follows RatePlugs acquisition of HomeASAP , an IDX home search and agent marketing tools provider. They can also determine their eligibility for government financing programs such FHA and VA loans, or other low- or zero-down payment loans.

VA loan

Housing Wire

DECEMBER 3, 2020

Proposition 19 eliminated the ability of homeowners to transfer primary residential properties to their children or grandchildren without the property’s tax assessment resetting to market value if the property is being used as a rental house or second home.

VA loan

Housing Wire

NOVEMBER 4, 2020

This may be due to tighter lender guidelines for jumbos as markets responded to COVID-19 and forbearance risks. Investment loan applications are showing a higher risk because real estate investors have a profit motivation for their activity,” said Bridget Berg, Principal, Fraud Solutions at CoreLogic.

Mortgages

Housing Wire

FEBRUARY 7, 2023

California-based Carrington Mortgage Services (CMS) sees a window of opportunity in the mortgage market. CMS is going heavy on a rarely used mortgage product to solve this market problem. Because Fannie Mae and Freddie Mac loans – nearly two-thirds of the mortgage market – are not eligible to be assumed, it’s a niche product.

FHA loan

Housing Wire

AUGUST 26, 2022

The mortgage industry is changing rapidly and originators are focused on adapting to a shifting market in order to stay competitive. Both HELOCs and non-QM loans are made to order for today’s mortgage market. HW: How can originators pivot their business models in a way that aligns with the current changing market conditions?

Mortgages