More than 40% of homeowners don’t have a mortgage

Introduction to Mortgage-Free Homeownership In the landscape of modern housing, mortgage-free homeownership has emerged as a significant trend, capturing the attention of potential buyers and

Mortgage Rates Surge After Fed Cuts

Understanding the Federal Reserve’s Role The Federal Reserve, often referred to as the Fed, plays a pivotal role in managing the United States economy through

Mortgage rates drop to the lowest level in over a year, pushing refinancing 111% higher annually

Understanding Mortgage Rates Mortgage rates refer to the interest rates charged on a loan used to purchase real estate. These rates are crucial as they

Mortgage rate history: 1970s to 2025

Introduction to Mortgage Rates Mortgage rates are the interest percentages charged by lenders when providing loans to homebuyers, allowing them to purchase properties. These rates

Most potential homebuyers expect mortgage rates to drop

Introduction to the Current Housing Market The housing market has demonstrated significant fluctuations in recent years, particularly in relation to mortgage rates, which have become

Refinance demand is 81% higher than it was a year ago

Introduction to Refinance Demand Mortgage refinancing is a pivotal financial process whereby homeowners replace their existing mortgage with a new one, typically to secure better

Three Housing Issues to Watch During the Shutdown

Introduction to the Housing Landscape in October 2025 As the government shutdown in October 2025 approaches, the housing landscape is poised for significant change. The

Mortgage Rates Quickly Approaching Long-Term Lows

Understanding the Current Mortgage Rate Landscape The current mortgage rate landscape is characterized by notable fluctuations influenced by a range of economic indicators. Historically, mortgage

Mortgage Rates Maintain Last Week’s Gains

Introduction to Current Mortgage Trends The mortgage market in October 2025 presents an intriguing landscape characterized by stability and subtle fluctuations in rates. Following a

Fannie Mae: ADU Income Now Allowed

Introduction to ADUs and Fannie Mae Accessory Dwelling Units (ADUs) have become a prominent feature in contemporary housing discussions, particularly as urbanization intensifies and housing

More than 40% of homeowners don’t have a mortgage

Introduction to Mortgage-Free Homeownership In the landscape of modern housing, mortgage-free homeownership has emerged as a significant trend, capturing the attention of potential buyers and financial experts alike. As of November 2025, statistics indicate that more than 40% of homeowners in various regions have successfully eliminated their mortgage debt. This

Mortgage Rates Surge After Fed Cuts

Understanding the Federal Reserve’s Role The Federal Reserve, often referred to as the Fed, plays a pivotal role in managing the United States economy through its dual mandate: to promote maximum employment and to maintain stable prices. These objectives guide the Fed in its decision-making regarding monetary policy, particularly when

Mortgage rates drop to the lowest level in over a year, pushing refinancing 111% higher annually

Understanding Mortgage Rates Mortgage rates refer to the interest rates charged on a loan used to purchase real estate. These rates are crucial as they determine the borrower’s monthly payment amount and overall cost of homeownership. The determination of mortgage rates is influenced by a multitude of factors including, but

Mortgage rate history: 1970s to 2025

Introduction to Mortgage Rates Mortgage rates are the interest percentages charged by lenders when providing loans to homebuyers, allowing them to purchase properties. These rates play a pivotal role in the housing market, as they directly influence monthly mortgage payments and can significantly affect the overall cost of homeownership. The

Most potential homebuyers expect mortgage rates to drop

Introduction to the Current Housing Market The housing market has demonstrated significant fluctuations in recent years, particularly in relation to mortgage rates, which have become a critical determinant for potential homebuyers. As of October 2023, mortgage rates have fluctuated considerably, influenced by various economic indicators, including inflation rates, unemployment statistics,

Refinance demand is 81% higher than it was a year ago

Introduction to Refinance Demand Mortgage refinancing is a pivotal financial process whereby homeowners replace their existing mortgage with a new one, typically to secure better interest rates, reduce monthly payments, or access home equity. The significance of refinance demand lies in its implications for both homeowners and the lending market.

Three Housing Issues to Watch During the Shutdown

Introduction to the Housing Landscape in October 2025 As the government shutdown in October 2025 approaches, the housing landscape is poised for significant change. The possibility of a prolonged shutdown raises concerns that span various sectors, including economic stability, housing affordability, and access to housing assistance programs. Observers are particularly

Mortgage Rates Quickly Approaching Long-Term Lows

Understanding the Current Mortgage Rate Landscape The current mortgage rate landscape is characterized by notable fluctuations influenced by a range of economic indicators. Historically, mortgage rates have exhibited varying trends, with substantial peaks and troughs that reflect the broader economic climate. As of October 2023, mortgage rates have shown a

Mortgage Rates Maintain Last Week’s Gains

Introduction to Current Mortgage Trends The mortgage market in October 2025 presents an intriguing landscape characterized by stability and subtle fluctuations in rates. Following a particularly dynamic year, the rates have gradually maintained the gains achieved last week, reflecting a cautious optimism among both lenders and borrowers. As potential homeowners

Fannie Mae: ADU Income Now Allowed

Introduction to ADUs and Fannie Mae Accessory Dwelling Units (ADUs) have become a prominent feature in contemporary housing discussions, particularly as urbanization intensifies and housing affordability becomes a pressing concern. Essentially, ADUs are secondary housing units located on the same lot as a primary residence, which can take various forms