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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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279 Posts
What is a Closing Disclosure? Process and timeline (Podcast)
The Closing Disclosure is one of the final documents in the mortgage process. Learn what to expect on your CD and why it's important.
What is a Closing Disclosure? Process and timeline (Podcast)
Mortgage And Refinance Rates, July 18 | Rates rising today
Today’s mortgage and refinance rates  Average mortgage rates fell modestly last Friday. They were still higher than they were at the start of July, but lower than a week ago. […]
Mortgage And Refinance Rates, July 18 | Rates rising today
Mortgage and refinance rates today, July 16, and rate forecast for next week
Today’s mortgage and refinance rates were down yesterday — and over the entire week.
Mortgage and refinance rates today, July 16, and rate forecast for next week
Mortgage And Refinance Rates, July 15 | Rates steady-ish today

Today’s mortgage and refinance rates

Average mortgage rates rose again yesterday, but only moderately. The dramatic movements we’ve seen recently have tended to cancel each other out, leaving a gentle upward trend.

So far this morning, mortgage rates today look likely to be unchanged or barely changed. But, with volatility a feature of markets at the moment, there’s no guarantee things will stay that way.

Current

... more
Mortgage And Refinance Rates, July 15 | Rates steady-ish today
What's The Average Down Payment On A House In 2022?

What’s the average down payment on a house?

The average down payment on a house is far less than many first-time home buyers believe.

In fact, the median down payment on a home is only 13% according to the NAR. And for buyers aged 23 to 41, that drops to just 8-10 percent.

Many buyers put down even less. With some loan programs, it’s possible to make a down payment of three or even zero percent. Explore your options to see how much

... more
What's The Average Down Payment On A House In 2022?
Mortgage And Refinance Rates, July 14 | Rates rising today

Today’s mortgage and refinance rates

Average mortgage rates just inched higher yesterday. That was a real surprise because they began that morning moving strongly higher.

So far this morning, it’s looking as if mortgage rates today might rise. But we saw yesterday how unreliable these early trends can be during times of volatility.

Current mortgage and refinance rates

... more
Mortgage And Refinance Rates, July 14 | Rates rising today
Divorce And Mortgage | Your Divorce Mortgage Options 2022

Options when divorcing with a mortgage

Divorces are anything but simple. And having a joint mortgage loan can complicate the process even more.

But there are time-tested mortgage options for divorcing couples that may help both parties. These depend on factors such as the amount of equity in the home, how it was purchased and titled, and whether one person wants to keep the home.

Regardless of the complexity, almost any situation can be remedied

... more
Divorce And Mortgage | Your Divorce Mortgage Options 2022
Mortgage And Refinance Rates, July 13 | Rates rising today
Today’s mortgage and refinance rates  Average mortgage rates fell again yesterday, though only moderately. And those rates are roughly back to where they were last Thursday and at the end […]
Mortgage And Refinance Rates, July 13 | Rates rising today
Why first-time home buyers should look at older houses: Expert Q&A
Should first-time buyers avoid newly built homes? Even before mortgage rates shot up past 5%, first-time home buyers were facing property values growing at a rapid pace amid an extreme inventory crunch. We recently spoke with the Kiavi CEO and former CFO of Ocwen on what makes older homes superior to new construction for first-time buyers. Why should first-time home buyers target older homes? There's a lot you can do by investing in a home built in the 70s. Just from a fundamental affordability perspective,... more
Why first-time home buyers should look at older houses: Expert Q&A
One good reason to refinance at a higher interest rate (Podcast)
According to mortgage expert Shivani Peterson, there's at least one good reason to refinance these days - even with the higher rates we're seeing. Listen to Shivani on The Mortgage Reports Podcast! Why refinancing might still be smart "A lot of you might be thinking you wouldn't refinance if your interest rate was going to go up... 'That's a no-brainer. You refinance to drop your interest rate only. It makes no sense if your interest rate's going up,'" Peterson said on the episode. For one, most loans and other... more
One good reason to refinance at a higher interest rate (Podcast)
Mortgage And Refinance Rates, July 12 | Rates falling today
Because mortgage rates today look likely to fall, judging by early movements in markets. 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. Yesterday's fall in mortgage rates was welcome. So we only count meaningful differences as good or bad for mortgage rates. 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... more
Mortgage And Refinance Rates, July 12 | Rates falling today
Zillow Home Loans Review for 2022 | The Mortgage Reports
Zillow Home Loans review showing how Zillow compares to other top lenders for mortgage rates, loan options, and customer service.
Zillow Home Loans Review for 2022 | The Mortgage Reports
Paramount Bank Mortgage Review | The Mortgage Reports
Paramount Bank mortgage review showing how Paramount compares to other top lenders for mortgage rates, customer service, and loan options.
Paramount Bank Mortgage Review | The Mortgage Reports
Mortgage And Refinance Rates, July 11 | Rates falling today
Today’s mortgage and refinance rates  Average mortgage rates rose again on Friday. And that for a conventional, 30-year, fixed-rate mortgage is again perilously close to the 6% mark. So far […]
Mortgage And Refinance Rates, July 11 | Rates falling today
9 Ways To Afford More House Without More Cash | 2022
Get creative to afford more house in today's market Home buyers are feeling the affordability squeeze, with high home prices on one hand and rising rates on the other. Down payment assistance can help cover your down payment and often closing costs, too, which might boost your home buying budget when added to your savings. Negotiate a lower mortgage rate The lower your mortgage interest rate, the more home you can afford to buy. Count renter income toward your mortgage If you currently have a roommate or renter... more
9 Ways To Afford More House Without More Cash | 2022
Mortgage and refinance rates today, July 9, and rate forecast for next week
Loyal readers may remember I've been predicting for months just such a situation: mortgage rates continuing to rise but much more slowly than during the first five months of the year. What's moving current mortgage rates Markets currently have two obsessions: inflation and a possible future recession. I'm not expecting particularly good news on prices, so it will be a good surprise if that arrives and pushes mortgage rates lower. Mortgage interest rates forecast for next week Once again, there's no prediction... more
Mortgage and refinance rates today, July 9, and rate forecast for next week
Mortgage And Refinance Rates, July 8 | Rates rising today

Today’s mortgage and refinance rates

Average mortgage rates rose again yesterday. Of course, they remain way lower than their mid-June highs. But they’re higher than they’ve been in a week, contrary to Freddie Mac’s Thursday survey.

Mortgage rates today look likely to rise once more, perhaps sharply. This morning’s employment data for June were much better than expected. And that should normally add upward pressure to mortgage

... more
Mortgage And Refinance Rates, July 8 | Rates rising today
FHA cash-out refinance guidelines and mortgage rates for 2022
FHA cash-out refinance lets homeowners borrow against their equity by taking out a new mortgage loan. You use this to pay off the existing loan, then pocket the difference as cash at closing. The maximum loan-to-value for an FHAcash-out loan is 80 percent. You must still have 20% equity in your home. The max amount you can get using an FHABest refinance is dictated. For the FHA Cash-out Refinance is $220,000. The new mortgage is $200,000 for the FHabest Refinance is $20,000, but the new mortgage must be within... more
FHA cash-out refinance guidelines and mortgage rates for 2022
How To Buy A House With Low Income In 2022 | Loan Options
The VA mortgage for military home loans has no income requirements because it's not a low-income housing program. The FHA loan is one of the most popular low-down-payment mortgages on the market. The Good Neighbor Next Door program offers unique benefits for nurses, first responders, and teachers. If you're eligible, you can buy HUD foreclosure homes at a 50% discount. The 50 percent discount is actually a second mortgage. This second mortgage is a second Mortgage. The discount is a third mortgage. The first... more
How To Buy A House With Low Income In 2022 | Loan Options
Mortgage And Refinance Rates, July 7 | Rates holding steady today
The yield on 10-year Treasury notes rose to 2.95 from 2.83% (Bad for mortgage rates) More than any other market, mortgage rates normally tend to follow these particular Treasury bond yields. Energy prices play a prominent role in creating inflation and also point to future economic activity. Gold tends to rise when investors worry about the economy. But even if those early signs become a reality, it will take months for any benefits. It will take years for any Benefits to feed through.. to feed into the inflation... more
Mortgage And Refinance Rates, July 7 | Rates holding steady today
How To Prepare To Buy A House In 8 Steps | 2022 Guide

Preparation is key in today’s housing market

Buying a home is a huge accomplishment, but the housing market is competitive. That’s especially true when it comes to mid-priced, affordable houses.

So how do you get ahead in a hot market? The key is preparation.

It’s the most prepared buyers who have the best chance at beating the competition. Here’s what to do.

In this article (Skip to...)

  • Overview
  • Steps
  • ... more
    How To Prepare To Buy A House In 8 Steps | 2022 Guide
    What a recession would mean for the housing market (Podcast)
    Mortgage expert Arjun Dhingra covered the topic in a recent episode of The Mortgage Reports Podcast. He says there are four recession indicators to get a feel for whether a recession might occur. The Federal Reserve has been taking drastic measures to combat inflation. The Fed has another meeting in July where it could vote, yet again, to increase the fed funds rate. There's no guarantee mortgage rates could rise in July.
    What a recession would mean for the housing market (Podcast)
    Mortgage And Refinance Rates, July 6 | Rates holding steady today
    The yield on 10-year Treasury notes inched up to 2.83 from 2.82% (Bad for mortgage rates) Energy prices play a prominent role in creating inflation and also point to future economic activity. ‘Greedy’ Investors push bond prices down (and interest rates down and interest rates up) But this is an imperfect relationship. The opposite may happen. But the words “possible” and “might” are doing some heavy lifting there. And it’s too soon to assume inflation is yet easing up. Still, it does mean I’m... more
    Mortgage And Refinance Rates, July 6 | Rates holding steady today
    How To Save On A Car And Home Insurance Bundle | 2022
    The more at-risk your home is for disasters like fire and flooding, the more it will cost to insure. Bundling your car and home insurance with the same company can reduce your rates by as much as 25 percent. If you don’t want to pay for it, the fewer you’s insurance coverage and the less they’d pay for them. The fewer youAdvertisements, the lesser you” and your insurance insurance coverage, the lower you . It's estimated that price shopping saves customers. It’�s estimated thatPrice Shopping saves... more
    How To Save On A Car And Home Insurance Bundle | 2022
    Should you buy an investment property in 2022? (Podcast)
    Investing in real estate takes time, effort, and careful thought, according to mortgage expert Shivani Peterson. Real estate has traditionally been an appreciating asset class, but it’s more of a long-term strategy and most investors aren’t flipping homes to make a quick profit, Peterson says. If it all adds up to a profit, then it could be a good idea to invest. The final thing to contemplate. If you’re considering selling an investment property.
    Should you buy an investment property in 2022? (Podcast)
    Mortgage And Refinance Rates, July 5 | Rates falling today
    The yield on 10-year Treasury notes decreased to 2.82% from 2.9% (Good for mortgage rates) Energy prices play a prominent role in creating inflation and also point to future economic activity. Gold tends to rise when investors worry about the economy. And worried investors tend to push rates lowerCNN Business Fear & Greed index fell to 19 from 24 out of 100. (good for mortgage rate. (Good For mortgage rates. For mortgage rate rates. Inflation is good for Mortgage rate rates)
    Mortgage And Refinance Rates, July 5 | Rates falling today
    Utah First-Time Home Buyer | 2022 Programs and Grants
    Ready to start your home buying process? In this article Utah home buyer overviewHome loan optionsUtah home buyer programsFirst-time buyer grantsBuying in Utah's citiesResourcesUtah mortgage rates Utah home buyer overview The median home price in Utah was $520,000 in May 2022, according to the Utah Association of Realtors. Utah home buyer stats Average Home Sale Price in Utah1$520,000Minimum Down Payment in Utah$15,60020% Down Payment in Utah$104,000Average Credit Score in Utah2727Maximum Utah Home Buyer Grant3UHC... more
    Utah First-Time Home Buyer | 2022 Programs and Grants
    Tennessee First-Time Home Buyer | 2022 Programs and Grants
    The median sales price in Tennessee was $357,000 in May 2022. That reflected a rise of 23.1% year over year, which was significantly higher than national average (14.7% in May) Tennessee first-time home buyer programs offer home buyer education, special mortgage programs, and even down payment assistance. Your real estate agent or Realtor can help you identify down payment and closing cost assistance programs. We’ve also provided useful links to Tennessee home buying assistance. The DPA you choose will likely... more
    Tennessee First-Time Home Buyer | 2022 Programs and Grants
    Mortgage and refinance rates today, July 2, and rate forecast for next week
    Once again I'm ducking my duty of making a forecast for next week's mortgage rates. What's moving current mortgage rates This is the third consecutive week that I've repeated this quote: When investors are obsessed about inflation, mortgage rates tend to rise. While you're reading last week's report, check out why our current circumstances could see mortgage rates rise, even if we end up in a deep recession. Mortgage interest rates forecast for next week Once again, there's no prediction for what might happen... more
    Mortgage and refinance rates today, July 2, and rate forecast for next week
    Mortgage And Refinance Rates, July 1 | Rates falling today

    Today’s mortgage and refinance rates

    Average mortgage rates ended June by falling significantly. It was far from that month’s biggest daily change. But we’re now a long way from 6% rates.

    So far this morning, it’s looking as if mortgage rates today might move lower again. But the recent volatility hasn’t gone away and things could change later in the day.

    Current mortgage

    ... more
    Mortgage And Refinance Rates, July 1 | Rates falling today
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