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Why Home Refinance Loans Are Slipping

Between 1978 and 1981, U.S. mortgage loan rates soared from around 8% to about 18%, the most dramatic increase in the past half-century. Mortgage rates to purchase or refinance a home today run right ... read more

Why mortgage lending at Wells Fargo, Chase and Citi plunged

Mortgage lending is down, mostly because there aren’t enough houses for people to buy to sustain a healthy housing market – although rising rates aren’t helping either. Also thanks to those higher rat... read more

Rising Student Loan Debt Has Hurt Housing Market, Fed Says

WASHINGTON (January 23, 2019)—With student loan debt numbers at a historic level, the Federal Reserve reports that home ownership rates ... Van Hollen said. "That's why I support efforts to allow stud... read more

Thanks to lower mortgage rates, 550K homeowners could save by refinancing

New data from Black Knight Financial Services reveals that 550,000 American homeowners could now see at least a 0.75 percent decrease in their mortgage rate by refinancing. The surge is a result ... read more

Real-Estate Matters | Know costs involved with refinancing mortgage

Q: If you have a fixed-rate mortgage, why would you ever want to refinance if you plan to stay in the home for the duration of the mortgage? A: That's a good question. There are many reasons you might ... read more

Mortgage Rates Are Expected To Rise Further This Year To Their Highest Level In A Decade

Mortgage rates ... a financial incentive to refinance to a lower rate. (Figure 1) Why haven’t these homeowners refinanced already? Some may have insufficient home equity, a recent delinquency ... read more

7 reasons why you should refinance

1 of 9 Why refi? There are at least seven ... lenders today are offering rates well below that benchmark, making a refinance a no-brainer for many. But low rates are not the only motive for refinancin... read more

Which state do you think is under the most ‘mortgage stress’?

and now prices are slipping,” said Digital Finance Analytics Principal, Martin North. “Our surveys show that households are keeping their wallets firmly in their pockets as they try to manage ever-tig... read more

Home Loan Horrors Whether you are shopping for a first or second mortgage or refinancing, the best advice is borrower beware.

Regulators in a handful of states have filed lawsuits and lobbied for legislation designed to keep lenders from slipping ... offered home-equity loans that could end with a humongous balloon payment. ... read more

Subservicer, Non-Agency Products; World Debt Increasing; Primer on "Duration" and Mortgage Pricing

Time has a way of slipping by. For example ... up 1.9% from a year before and up 11% from 2011. I am often asked why lower mortgage rates move differently than higher mortgage rates. (“Rates dropped, ... read more

Why Refinance? Shorter Mortgages

“For borrowers motivated to refinance by low fixed-rates, they could obtain even lower rates by shortening their term. Further, a shorter-term, fully amortizing loan reduces the loan balance faster an... read more