30-Year Refinance Rate Drops Sharply by 21 Basis Points

30-Year Refinance Rate Drops Sharply by 21 Basis Points

Great news for anyone looking to refinance their home loan! As of today, January 10th, the national average for a 30-year fixed refinance rate has seen a notable drop, settling at 6.41%. This... Read more »
30-Year Fixed Rate Goes Down Below 6%

30-Year Fixed Rate Goes Down Below 6%

If you’re thinking about buying a home or refinancing your current mortgage, pay attention: as of January 8, 2026, the national average for a 30-year fixed mortgage rate is hovering right around... Read more »
Why Bank of America Predicts Just Two Fed Rate Cuts in 2026

Why Bank of America Predicts Just Two Fed Rate Cuts in 2026

Bank of America Global Research is signaling a significant shift in the Federal Reserve’s interest rate policy down the road. They’re forecasting two interest rate cuts in 2026, specifically in June and... Read more »
30-Year Refinance Rate Drops by 6 Basis Points

30-Year Refinance Rate Drops by 6 Basis Points

It’s a bit of good news for those looking to adjust their home loans: as of January 6, 2026, the national average 30-year fixed refinance rate has ticked down by 6 basis... Read more »
New homeowner data challenges mortgage rate lockdown theory

New homeowner data challenges mortgage rate lockdown theory

What the data shows Since the end of 2022, I’ve pointed out that people have continued to sell homes with low mortgage rates to buy others with higher rates. This is normal... Read more »
30-Year Refinance Rate Drops by 6 Basis Points

30-Year Refinance Rate Inches Up, Market Holds Steady

If you’re thinking about refinancing your mortgage, you’ll want to know that on Sunday, January 4, 2026, the 30-year fixed refinance rate held steady at 6.66%, according to Zillow. While this might... Read more »
Smart Ways to Secure a Lower Mortgage Rate in 2026

Smart Ways to Secure a Lower Mortgage Rate in 2026

Getting the best deal on your mortgage rate isn’t just about good luck; it’s about smart planning and proactive steps you start taking today. To get a lower mortgage rate in 2026,... Read more »
Mortgage Rate Predictions for the First Quarter of 2026

Mortgage Rate Predictions for the First Quarter of 2026

If you’re waiting on the sidelines, hoping for a return to the “free money” mortgage rates of the early 2020s, I have to be blunt: that ship has sailed. However, the anxiety... Read more »
Mortgage Rate Predictions for the Next 5 Years: What’s Ahead 2026–2030

Mortgage Rate Predictions for the Next 5 Years: What’s Ahead 2026–2030

For homebuyers, homeowners considering a refinance, and anyone trying to plan ahead, where mortgage rates are headed over the next several years matters more than ever. With borrowing costs reshaping affordability, understanding... Read more »
Time to Secure Financing Before Rate Volatility Returns

Time to Secure Financing Before Rate Volatility Returns

Today’s average 30-year fixed mortgage rate, as of January 3rd, is 6.01%, virtually unchanged from last week, according to the latest data compiled by Zillow. This pause at the start of the... Read more »