A first-lien HELOC replaces your mortgage with a flexible line of credit. This quick breakdown explains the guidelines, equity requirements, and why some homeowners are choosing this option instead of refinancing.
Inflation slowed in November after peaking earlier this fall. Here’s what that means for mortgage rates and what homebuyers should watch next.
Prices are flat. Rates are lower. Affordability is still broken. Here’s my 2026 housing forecast, breaking down prices, taxes, insurance, and the markets that actually make sense heading into next year.
The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.
Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
Stronger jobless-claims and durable-goods data from last week pushed the average 30-year fixed slightly higher, but mortgage rates are still near recent lows. Here’s what that means for buyers and homeowners
What's Happening to Mortgage Rates Now & A Look Ahead
Mortgage rates held steady after a mixed jobs report, with unemployment rising and job growth coming in stronger than expected. Learn what this means for homebuyers and what to watch next.
FHFA is now exploring whether homeowners could soon transfer their low-rate mortgage to a buyer (assumable) or even take their existing rate with them to their next home (portable). These ideas aim to fix today’s lock-in problem and improve affordability, but they face major hurdles in the bond market, servicing rules, and lender economics. Here’s what these options mean, how they would work, and whether they could realistically become a reality.
