Shares of LoanDepot, Inc (NYSE:LDI) are down 1.8% to trade at $4.44, on track for its first loss in four sessions, pulling back from recent upbeat movement on the charts. In the past two weeks, LDI has twice notched its best-single day percentage gain since February 2021. September in particular is pacing to be its best month yet, up 108.2%, lifting the stock from its April lows to a now 118.4% year-to-date gain.There are plenty of room for upgrades, should bearish sentiment begin to unwind. Heading into to ...

Mortgage rates continue to move lower, prior to an expected Fed rate cut tomorrow. According to Zillow, the current 30-year mortgage rate is 6.16%, down 12 basis points since Friday. The 15-year fixed interest rate fell three basis points to 5.46%. Dig deeper: The best mortgage lenders right now Today's mortgage rates Here are the current mortgage rates, according to our latest Zillow data: 30-year fixed: 6.16% 20-year fixed: 5.68% 15-year fixed: 5.46% 5/1 ARM: 6.65% 7/1 ARM: 6.58% 30-year VA: 5 ...

You may want to refinance your mortgage to get a better mortgage rate, lock in a lower monthly payment, or receive cash in exchange for equity. But before you start filling out applications, you need to know whether you can refinance right now. To qualify for a mortgage refinance, you need to have a certain amount of equity in your home first. How much equity do you need to refinance? Most mortgage refinance lenders prefer that you have at least 20% home equity to refinance your current mortgage. Howev ...

当前抵押贷款利率水平 - 30年期固定抵押贷款利率为6.28% [1][4][7] - 15年期固定抵押贷款利率为5.49% [1][4][9] - 5/1可调利率抵押贷款(ARM)利率为6.58% [4][17] 抵押贷款再融资利率 - 30年期固定再融资利率为6.10% [5] - 15年期固定再融资利率为5.40% [5] - 5/1可调利率再融资利率为6.22% [5] 不同贷款期限对比分析 - 30年期贷款月供较低但总利息成本高 30万美元贷款月供1,853美元 总利息367,083美元 [8] - 15年期贷款月供较高但总利息成本低 30万美元贷款月供2,450美元 总利息140,939美元 [10] - 可调利率抵押贷款初始利率通常低于固定利率但存在后期上升风险 [12] 利率获取策略 - 提高首付比例、优化信用评分和降低债务收入比有助于获得更低利率 [14] - 通过折扣点购买可永久降低利率 例如2-1购买下调可使首年利率降至4.5% [15] - 需要评估利率购买成本与长期节省的平衡关系 [16] 市场利率趋势预期 - 抵押贷款利率近期有所下降 但2025年预计不会大幅下降 [19] - 美联储利率政策变化可能对抵押贷款利率产生反向影响 [1] - 利率水平存在地区差异 全国平均利率为6.28% [18]

Mortgage interest rates may not move much between now and Wednesday, when the Federal Reserve announces its decision on short-term interest rates. According to Zillow, the 30-year fixed mortgage rate is 6.28%, and the 15-year rate is 5.49%. Shop around with three or four mortgage lenders to compare their rates and find the best deal. Dig deeper: The best mortgage lenders for first-time home buyers Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year ...

当前抵押贷款利率水平 - 30年期固定抵押贷款利率上升8个基点至6.28% 15年期利率上升10个基点至5.49% [1] - 全国平均抵押贷款再融资利率普遍高于购房利率 但存在例外情况 [2] - 具体利率分类：30年期固定6.28% 20年期固定5.78% 15年期固定5.49% 5/1 ARM为6.58% 7/1 ARM为6.55% 30年期VA为5.69% 15年期VA为5.16% 5/1 VA为5.81% [4] - 抵押贷款再融资利率：30年期固定6.10% 20年期固定5.67% 15年期固定5.40% 5/1 ARM为6.22% 7/1 ARM为6.16% 30年期VA为5.70% 15年期VA为5.16% 5/1 VA为5.35% [5] 不同期限抵押贷款产品特性 - 30年期固定抵押贷款优势包括月供较低且还款金额可预测 劣势为短期和长期利息成本较高 [8][9][10] - 15年期固定抵押贷款月供金额更高 但利率更低且总利息成本可节省数十万美元 [11][12] - 可调利率抵押贷款(ARM)在初始固定期内提供较低 introductory利率 但后期面临利率上浮风险 [12][13] - 5/1 ARM产品结构：前5年利率固定 后续25年每年调整一次利率 [12] 住房市场环境分析 - 当前住房市场环境优于两年前 房价未重现疫情期间的飙升态势 [15] - 抵押贷款利率处于2024年10月以来最低水平 有利于锁定融资成本 [15][18] - 经济学家预计年底前抵押利率不会大幅下降 仅可能小幅波动 [17] - 购房时机应基于个人生活阶段需求 而非试图择时市场 [16] 利率获取与计算工具 - 抵押贷款利率因州甚至邮政编码差异显著 高成本生活区域利率可能更高 [16] - 免费抵押贷款计算器可综合评估本金 利息 房屋保险 房产税 PMI及HOA费用对月供的影响 [6][7] - 获取最低再融资利率需提升信用评分 降低债务收入比 缩短贷款期限 [19]

位于加州科罗纳的全国性贷款机构Paramount Residential Mortgage Group合伙人Kevin Peranio表示："对 再融资行业来说，现在是'冲锋时刻'。"他补充称，利率下降也将刺激更多购房需求。 Kevin Peranio表示，其公司正通过招聘来为增长做准备，目前正在美国招聘20名贷款审核员，并为其位 于印度的海外团队再招聘15人。他指出："低利率能解决太多问题。""与去年不同，当时每次利率下调 仅持续一天或一周，而现在这种趋势已持续数月，我认为未来还会持续数月。" 美国抵押贷款利率出现一年来最大降幅，推动了寻求节省资金的房主再融资需求的激增。房地美在一份 声明中表示，30年期固定利率贷款的平均利率为6.35%，低于上周的6.5%。 借贷成本已连续数月呈下降趋势，在上周五令人失望的就业报告发布后再次走低。此外，据总部位于德 州的抵押贷款科技公司Optimal Blue的数据显示，截至周一，消费者能够以6.27%的利率锁定30年期贷 款，这是近一年来的最低水平。该公司称，第二天随着利率小幅回升，利率锁定量飙升至自2022年以来 的单日最高水平。该公司企业战略主管Mike Vough ...

Michigan-based mortgage lender LitFinancial on Wednesday debuted its U.S. dollar stablecoin, dubbed litUSD, on the Ethereum blockchain as the digital dollar movement is expanding beyond crypto natives. The firm said it plans to use the token to cut funding costs and improve treasury management operations, while also exploring on-chain settlement of mortgage payments. That shift could allow loan performance to be tracked publicly, potentially reshaping liquidity in the secondary mortgage market. Stablecoi ...

Mortgage interest rates bumped slightly higher today. According to Zillow, the average 30-year fixed mortgage rate gained two basis points to 6.22%. Meanwhile, the 15-year rate stepped up three basis points to 5.41%. Read more: Where and how to find the lowest mortgage rates right now Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.22% 20-year fixed: 5.61% 15-year fixed: 5.41% 5/1 ARM: 6.47% 7/1 ARM: 6.45% 30-year VA: 5.63% 15-ye ...

The housing market is jammed. Buyers are scarce, and homeowners are sitting on a pile of equity but are having a hard time selling their homes quickly. That can make it difficult to afford to buy another house. However, a Rocket Mortgage loan released this summer may be the solution to buying now and selling later. Read our full Rocket Mortgage review. What is a bridge loan? A bridge loan — also known as a swing loan or gap mortgage — is a short-term loan borrowed from a homeowner's equity that provides ...