Last week saw a big swing in mortgage interest rates, and that took a toll on demand. Total mortgage application volume fell 1.9% compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index.For the week, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances, $806,500 or less, increased to 6.31% from 6.30% for loans with a 20% down payment. That was the weekly average, but rates actually fell to the lowest level in ove ...

Mortgage rates made fractional moves lower today. According to Zillow, the average 30-year fixed rate was down four basis points to 6.08%. The 15-year fixed loan fell one basis point to 5.62%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.08% 20-year fixed: 5.89% 15-year fixed: 5.62% 5/1 ARM: 6.41% 7/1 ARM: 6.48% 30-year VA: 5.67% 15-year VA: 5.19% 5/1 VA: 5.53% Remember, these are the national averages and rounded to the ne ...

Rocket Companies, Inc. ( RKT ) delivered a double beat , reporting EPS of $0.07 and revenue of $1.78 billion. As a result, the company’s stock rose by 5.65% on the day of the earnings release.I am an experienced Risk Management Business Analyst at a Systemic Greek Bank, with a strong background in finance and risk analysis. I hold an MSc in Applied Risk Management from the University of Athens and have completed the ACA Certificate Level. My expertise lies in financial analysis, risk management, data analys ...

Rocket Companies, Inc. (NYSE: RKT ) delivered a double beat , reporting EPS of $0.07 and revenue of $1.78 billion. As a result, the company’s stock rose by 5.65% on the day of the earnings release.I am an experienced Risk Management Business Analyst at a Systemic Greek Bank, with a strong background in finance and risk analysis. I hold an MSc in Applied Risk Management from the University of Athens and have completed the ACA Certificate Level. My expertise lies in financial analysis, risk management, data a ...

Finance Of America Companies (NYSE:FOA) Q3 2025 Earnings Call November 04, 2025 05:00 PM ET Speaker2Good day, everyone, and welcome to the Finance of America third quarter 2025 earnings call. At this time, I would like to hand the call over to Mr. Michael Fant. Please go ahead, sir.Speaker4Thank you, and good afternoon, everyone, and welcome to Finance of America's third quarter 2025 earnings call. With me today are Graham Fleming, Chief Executive Officer, Kristen Sieffert, President, and Matt Engel, Chief ...

MCLEAN, Va., Nov. 04, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today announced it sold via auction 25 deeply delinquent non-performing residential first lien loans (NPLs) from its mortgage-related investments portfolio to Revolve Capital LLC. The loans, with a balance of approximately $4.9 million, are currently serviced by Select Portfolio Servicing, Inc. The sale is part of Freddie Mac’s Extended Timeline Pool Offering (EXPO®) and the transaction is expected to settle in December 2025. Freddie M ...

To Nasdaq Copenhagen A/S 4 November 2025 Correction: Value date is changed to 02.10.2026. Announcement 94 /2025 Jyske Realkredit’s auctions for 1 January 2026 refinancing Jyske Realkredit plans to carry out the auctions Monday 17th of November through Friday 21st of November 2025 for loans in cover pool E. The refinancing amount and bonds to be offered are specified in the table below: OpenCloseAlloc.NameISINAmount mill.LCRMonday 17 November09:3010:0010:051% 321.E.ja.27 IT1DK00094167034400m<td style="widt ...

Non-QM, 2nds, Marketing Products; Deep Dive on "Data-Less" Capital Markets “Daylight savings time: Is the government cutting off the bottom of a blanket and sewing it to the top and saying, ‘See? Its longer now.’” Here in Austin, TX, Texas Women Mortgage Bankers’ Fall Social and TMBA’s Housing Summit agenda are full of speakers (not from, but…) discussing the U.S. Government’s role in housing and finance, as well as our Fed. “Rob, what do hear about Lisa Cook? Is she still on the Federal Reserve’s Board?” ...

美联储利率政策与市场预期 - 美联储连续第二次降息 将联邦基金利率下调25个基点 [1] - 美联储主席杰罗姆·鲍威尔暗示12月再次降息并非保证 这可能是年底前的最后一次降息 [1] 抵押贷款利率动态 - 抵押贷款利率已连续第四周下降 达到一年多以来的最低水平 [3] - 基准30年期固定抵押贷款平均利率从上周的6.19%降至6.17% [8] - 抵押贷款利率并非直接与美联储基准利率挂钩 但受其影响 并密切跟踪10年期国债收益率 [3] - 10年期国债收益率目前略低于4.1% [3] 自美联储决议后已上升约10个基点 [7] 行业专家观点与分析 - 专家指出 利率变化在美联储公告之前已反映在借贷成本中 [4] - 抵押贷款利率的变动取决于经济数据改变降息预期的概率或美联储的沟通 家庭难以预测获得抵押贷款的最佳时机 [5] - 鉴于美联储在数据真空期中摸索且联邦公开市场委员会存在分歧和不确定性 政策可能在此暂停 [7] - 对于购房者 建议根据个人情况寻找合适房屋 并与贷款机构保持联系 若利率下降0.5个百分点或更多 应立即进行再融资以锁定较低利率 [6] 住房市场背景与影响 - 近两年来 抵押贷款利率徘徊在二十多年来的最高水平附近 对美国住房市场构成了显著准入障碍 [2] - 高利率抑制了需求 使许多人的美国梦（拥有住房）变得遥不可及 [2] - 全国范围内的买卖双方一直在等待更低的借贷利率后才重新进入市场 [1]

当前抵押贷款利率水平 - 根据Zillow数据，30年期固定抵押贷款平均利率为6.11%，15年期固定利率为5.58% [1] - 当前抵押贷款利率远低于一年前的水平，处于有利位置 [1] - 30年期VA贷款平均利率为5.61%，15年期VA贷款平均利率为5.13% [5] 不同贷款类型利率比较 - 5/1可调利率抵押贷款（ARM）平均利率为6.58%，7/1 ARM平均利率为6.69% [5] - 抵押贷款再融资利率通常高于购房贷款利率，30年期固定再融资利率为6.29% [3][6] - 可调利率初始阶段通常低于固定利率，但存在利率后续上涨风险 [12][13] 贷款期限对还款影响 - 30年期贷款因分摊至360个月，月供相对较低，30万美元贷款在6.11%利率下月供约为1,820美元 [8][9] - 15年期贷款利率更低（5.58%），但月供更高，30万美元贷款月供为2,464美元，总利息支出为143,521美元 [10][11] - 15年期贷款相比30年期可提前15年还清，节省利息支出 [10] 获取优惠利率策略 - 贷款机构通常向首付比例高、信用评分优秀、负债收入比低的借款人提供最低利率 [15] - 可通过购买折扣点来永久降低利率，或选择临时性利率买低，如2-1买低可使首年利率从6.25%降至4.25% [16] - 选择利率买低前需评估在房屋居住时间是否足够长，以使节省的利息覆盖买低成本 [17] 市场展望与影响因素 - 抵押贷款利率近期波动较大，但预计在年底前不会大幅下降 [20] - 经济学家正密切关注政府停摆、通货膨胀、关税政策及美联储动向对利率的影响 [20]