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The Mortgage Reports
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Launched in 2004, The Mortgage Reports was one of the first mortgage blogs on the internet. It started as a loan officer’s blog that helped drive personal business. By the early 2010s the website was nationally known for its in-depth coverage of mortgage and real estate news, plus why it matters to the everyday mortgage shopper. This was not your typical finance website. It was practical, useful, and focused not on industry professionals but the typical home buyer and homeowner. Over the years, the website grew to a readership of millions per year. In 2014, it was acquired by Full Beaker, Inc., a consumer-focused online media company, which runs and manages the site today.

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themortgagereports@themortgagereports.com
+1 866-240-7180
c/o Full Beaker 200 112th Ave. NE, Suite 310 Bellevue, WA 98004
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235 Posts
15-Year mortgage rates chart: Current and historical
15-year mortgage rates chart showing current and historical 15-year mortgage rates compared to 30-year rates.
Mortgage and refinance rates today, June 24, 2022
Today’s mortgage and refinance rates  Average mortgage rates fell again yesterday. And by a worthwhile amount. They’re now back below their level on June 10, which was the first day […]
Citi Mortgage Review for 2022
Citi Mortgage review showing how the company compares to other top lenders for mortgage rates, customer service reviews, and loan options.
Mortgage And Refinance Rates, June 23 | Rates falling today
Finally, some good news! And, in a single leap, the average rate for conventional, 30-year, fixed-rate mortgages is back below 6%. There may be more good news. Caveats about markets and rates Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about what would happen to mortgage rates that day. While it's possible that the fall in mortgage rates that day was the start of a new, sustained downward trend, I very much... more
Mortgage And Refinance Rates, June 23 | Rates falling today
Mortgage And Refinance Rates, June 22 | Rates falling today
Federal Reserve Chair Jerome Powell is giving testimony on Capitol Hill this morning. His remarks are more than capable of moving markets, so things might change in the coming hours. The yield on 10-year Treasury notes tumbled to 3.15% from 3.28%. The opposite may happen when indexes are lower, but this is an imperfect relationship. Oil prices plunged to $102.10 from $111.87 a barrel. But this is good for mortgage rates. It was good for Mortgage rates. But that's no longer the case. The Fed is about to face... more
Mortgage And Refinance Rates, June 22 | Rates falling today
How much house can you afford at 6% mortgage rates?
What exactly do higher rates mean for home buyers? If you're in the market, how will rates near 6% impact your monthly payment and/or housing budget? Ultimately, that depends on your personal finances and your home buying strategy. How higher mortgage rates can affect your home buying plans Buyers can absorb higher interest rates in one of two ways. Mortgage rateMonthly P&I PaymentAffordable Home Price3%$1,500$338,6306%$1,500$253,580 Of course, finding a home that meets your needs at a lower price point might... more
How much house can you afford at 6% mortgage rates?
Expert financial tips for buying a home in this market (Podcast)
A lack of supply and sky-high demand caused property values to grow at a historical pace. Today, inventory is still incredibly low while interest rates have shot up. There are things you can do to improve your odds in the home buying game. For the first-time home buyers and how you can save a lot of money and save a little more than a few dollars in a few years. For more information, visit The Mortgage.
Expert financial tips for buying a home in this market (Podcast)
Mortgage And Refinance Rates, June 21 | Rates rising today
Average mortgage rates inched lower last Friday, though only by a similar tiny amount to Thursday’s rise. Last week, those for conventional, 30-year, fixed-rate mortgages remained above 6% all week. Freddie Mac concurred: ‘These higher rates are the result of a shift in expectations about inflation and the course of monetary policy’ The chances are dropping fast. If one materialize, it would take mortgage rates. But even if one materializes, it will take Mortgage rates. It would take Mortgage rate rates.... more
Mortgage And Refinance Rates, June 21 | Rates rising today
Veterans United Mortgage Review 2022 | The Mortgage Reports
Veterans United compares to other top lenders for mortgage rates, customer service, and loan options.
Veterans United Mortgage Review 2022 | The Mortgage Reports
Guaranteed Rate Review for 2022 | The Mortgage Reports
Guaranteed Rate mortgage review showing how it compares to other top lenders for mortgage rates, customer service, and loan options.
Guaranteed Rate Review for 2022 | The Mortgage Reports
Has the housing market finally peaked? Experts weigh in
Has the U.S. housing market peaked? The real estate market has been hot for a few years now. What kind of a housing market are we currently in? Much of the U.S. has been in a strong sellers' market over the past few years. "Low rates, a bull market, accessible refinancing, and the coronavirus lockdown have prompted people to move, purchase their first homes, buy vacation homes, and invest in properties." Put another way, a seller's market is one positioned in favor of existing homeowners instead of aspiring... more
Has the housing market finally peaked? Experts weigh in
Mortgage and refinance rates today, June 18, and rate forecast for next week
Today's mortgage and refinance rates inched lower yesterday, mirroring the previous day’s similarly tiny rise. Those for conventional 30-year fixed-rate mortgages have been above 6% since Monday. The month (and especially the last eight days) has been shockingly bad. But, overall, the month has been remarkably bad. We might be in for a slightly calmer. But I reckon mortgage rate rises are likely to outweigh falls. As long as inflation remains uncomfortably hot, it will be a tough sell to get investors to buy... more
Mortgage and refinance rates today, June 18, and rate forecast for next week
The 10 best mortgage lenders of 2022: Rates and reviews
What's the best mortgage lender? The best mortgage lenders should have excellent customer service, a broad range of mortgage products, and competitive rates and fees. How to shop for a mortgage lender You may notice our picks for best mortgage lenders are all large companies. So how do you know which mortgage lender is the best one for you? Find a lender that works for your situation Different lenders tend to specialize in different types of borrowers. How to get the best mortgage rates Your mortgage rate depends... more
The 10 best mortgage lenders of 2022: Rates and reviews
What’s the cheapest way to buy a house? 7 Strategies

Find your cheapest way to buy a house

Cheap houses are in short supply these days. But that doesn’t mean first-time buyers are priced out of the housing market.

Many buyers can easily afford monthly mortgage payments. Their only challenge is finding cash for a down payment and closing costs.

Luckily, there are plenty of ways to reduce your down payment and closing costs so you can get into a house without the upfront barrier.

You can mix and match these strategies

... more
What’s the cheapest way to buy a house? 7 Strategies
Mortgage And Refinance Rates, June 17 | Rates steady-ish today
The yield on 10-year Treasury notes tumbled to 3.26% from 3.43% (Good for mortgage rates) But most of that fall happened yesterday. Oil prices increased to $114.51 from $113.26 a barrel. Gold tends to rise when investors worry about the economy, and worried investors tend to push rates lowerCNN Business Fear & Greed index held steady at 16 out of 100. (Neutral for Mortgage rates. But this is an imperfect relationship. The opposite may happen.
Mortgage And Refinance Rates, June 17 | Rates steady-ish today
Nevada First-Time Home Buyer | 2022 Programs and Grants
Nevadans can get free counseling and even cash assistance with their down payment and closing costs. The State of Nevada Housing Division’s ‘Home Is Possible’ program offers a 30-year mortgage with an option for down payment. Specialty homeownership programs for Nevadans The Home Is Possible program also offers special loans for veterans and active military personnel and K-12 teachers. There is no first-home requirement, but borrowers must meet NHD income limits. No first- home requirement. No second-home... more
Nevada First-Time Home Buyer | 2022 Programs and Grants
Mortgage And Refinance Rates, June 16 | Rates rising today
The yield on 10-year Treasury notes edged up to 3.43% from 3.40% (Bad for mortgage rates) Oil prices decreased to $113.26 from $118.31 a barrel. Gold tends to rise when investors worry about the economy. And worried investors tend to push rates lowerCNN Business Fear & Greed index fell to 16 from 19 out of 100. (Good for mortgage rate. Good for mortgage Rates. The lower readings are good for Mortgage and refinance rates. The opposite may happen.
Mortgage And Refinance Rates, June 16 | Rates rising today
Wisconsin First-Time Home Buyer | 2022 Programs and Grants

What to know about buying a house in Wisconsin

Wisconsin first-time home buyers have a leg up over buyers in some other states. Both home prices and home price inflation are well below national averages.

Of course, saving for your down payment and getting a home loan can still be a challenge. But Wisconsin has loan programs to help.

The Badger State offers special mortgages and education to first-time buyers in Wisconsin. And it has

... more
Wisconsin First-Time Home Buyer | 2022 Programs and Grants
Connecticut First-Time Home Buyer: 2022 Programs and Grants
Connecticut has special, inexpensive mortgages for first-time buyers. The median list price in Connecticut was $368,400 in May 2022, according to Redfin. Eligible borrowers can qualify for a 0.125% discount on the published interest rates when they are a U.S. military service member or veteran state trooper or state trooper. The two big CHFA loans are. Both are mainly available to first-timers. But there are other programs for those for those with specialized needs. The CHFA Loans are mostly available in Connecticut... more
Connecticut First-Time Home Buyer: 2022 Programs and Grants
Fed makes biggest rate hike in 28 years to fight 2022 inflation
The Fed’s latest action is an aggressive one and it plans to have similar hikes over the remainder of 2022. The war in Ukraine, excessive energy prices and enduring supply chain difficulties continue to keep inflationary pressures on the economy. The U.S. inflation rate grew to 8.6% in May, its highest rate since December 1981, according to the Bureau of Labor Statistics. The FOMC wants to return inflation to 3%. The Fed is prepared to adjust its monetary policies.
Fed makes biggest rate hike in 28 years to fight 2022 inflation
Mortgage And Refinance Rates, June 15 | Rates unpredictable today
Today’s mortgage and refinance rates rose again yesterday, though less sharply than on the previous two working days. Some of the most popular ones remain above 6% for the first time since 2008. Mortgage rates today will depend almost entirely on what the Federal Reserve says in events early this afternoon. Read on to discover why those plans could send mortgage rates higher, lower or nowhere. In any event, mortgage rates.
Mortgage And Refinance Rates, June 15 | Rates unpredictable today
Illinois First-Time Home Buyer | 2022 Programs and Grants

What to know about buying a house in Illinois

First-time buyers in the state of Illinois are fortunate in many respects. For example, they can access special mortgage programs, educational courses, and counselors to guide them through the process.

Best of all, some buyers may be in line for a cash grant or an interest-free loan from one of the many down payment assistance programs in Illinois. This could help cover your down payment and closing

... more
Illinois First-Time Home Buyer | 2022 Programs and Grants
Arizona First-Time Home Buyer | 2022 Programs and Grants
The median home sales price in Arizona was $365,444 in May 2022, according to Arizona Realtors. The state has some generous down payment assistance programs that could help you bridge the gap between your savings and your down payment and closing costs needs. If you're eligible for a VA loan, you may not need any down payment at all. You can usually stop paying mortgage insurance. The government loan programs (including FHA, VA and USDA home loans) require you to buy a primary residence.
Arizona First-Time Home Buyer | 2022 Programs and Grants
Michigan First-Time Home Buyer | 2022 Programs and Grants
Michigan first-time home buyers may be able to get cash assistance to bridge the gap between savings and down payment. The Michigan State Housing Development Authority (MSHDA) recently eliminated its MI Home Loan Programs. The MI Home Loans and other first-timers are still able to take advantage of these programs. The state's mortgage programs are available for $224,000-a-year-to-be.
Michigan First-Time Home Buyer | 2022 Programs and Grants
Expert advice: Three common home buyer fears in 2022 (Podcast)

Feeling nervous about buying a home?

With home prices high, mortgage rates rising, and low housing inventory, today’s homebuyers are a bit fearful — and it’s no wonder why.

“Here we are in 2022, and the market has yet again evolved to become even crazier,” said mortgage expert Shivani Peterson in a recent episode of The Mortgage Reports Podcast. “There are lots of concerns out there that I’ve been hearing, not just so far this year,

... more
Expert advice: Three common home buyer fears in 2022 (Podcast)
Mortgage And Refinance Rates, June 14 | Rates steady-ish today

Today’s mortgage and refinance rates

Average mortgage rates soared again yesterday. Indeed, some had an even worse day than last Friday. And the average for a conventional 30-year, fixed-rate mortgage is now above 6%.

Things are looking better across all markets this morning. And mortgage rates today look likely to hold steady. But that could change as the hours pass.

Current mortgage

... more
Mortgage And Refinance Rates, June 14 | Rates steady-ish today
Mortgage And Refinance Rates, June 13 | Rates rising today
Current mortgage and refinance rates Should you lock a mortgage rate today? Don't lock on a day when mortgage rates look set to fall. Mortgage rates often moderate after the sort of exceptional rise we saw last Friday. Caveats about markets and rates Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about what would happen to mortgage rates that day. Important notes on today's mortgage rates Here are some things... more
Mortgage And Refinance Rates, June 13 | Rates rising today
The perks and pitfalls of adjustable-rate mortgages in 2022

Rising rates make ARMs more prevalent

Historic mortgage rate growth and surging property values have defined the housing market so far in 2022.

With that combination of factors reducing affordability, more borrowers are exploring the option of adjustable-rate mortgages (ARMs).

But are they a good idea? The Mortgage Reports spoke to a trio of industry experts to break down the pros and cons of ARMs for home buyers. Here’s what you should

... more
The perks and pitfalls of adjustable-rate mortgages in 2022
Mortgage and refinance rates today, June 11, and rate forecast for next week
What's moving current mortgage rates According to Mortgage News Daily's data, the average rate for a 30-year, fixed-rate mortgage soared by 30 basis points yesterday. Mortgage rates ended the day at their highest point since November 2008, according to MND. At the front of investors' minds yesterday was how the Fed would react to the new inflation data. If the actual line is less tough than they expect, mortgage rates might fall that day. Mortgage interest rates forecast for next week I shouldn't be a bit surprised... more
Mortgage and refinance rates today, June 11, and rate forecast for next week
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