loans-&-mortgages
The U.S. housing market just got another dose of bad news for buyers. Mortgage rates climbed for a fourth straight week, pushing the average 30-year fixed mortgage to 6.95% as of September 17, 2026. That is a noticeable jump from 6.76% one week earlier and 6.26% at the same point last year. The 15-year fixed […]
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loans-&-mortgages
For millions of young Americans, buying a home feels less like a milestone and more like a financial obstacle course. Prices remain high, mortgage rates hurt monthly budgets, and affordable listings disappear quickly. That frustration has given Gen Z an uncomfortable reason to hope for falling home prices. A major housing crash could theoretically create […]
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loans-&-mortgages
Mortgage delinquencies are moving higher again, and that has many homeowners asking the same question. Is this the start of a bigger housing problem? The short answer is no, at least not right now. Recent data shows the national mortgage delinquency rate reached 3.50% in May 2026. That marked a small increase from the previous […]
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loans-&-mortgages
Mortgage rates continue to offer a small dose of relief for homebuyers as they remain below 6.5% in late June 2026. While borrowing costs are still much higher than the record lows seen a few years ago, the recent stability has given buyers a chance to plan without facing sharp weekly swings. The current market […]
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loans-&-mortgages
The U.S. housing market just received another setback. The average rate on a 30-year fixed mortgage has climbed to 6.53%, the highest level seen in nine months. The increase may appear small on paper, but it carries real consequences for buyers already struggling with affordability. The latest figures from Freddie Mac show the benchmark mortgage […]
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loans-&-mortgages
The housing market in 2026 feels tough for buyers, mainly because interest rates remain high. Many buyers feel stuck, watching monthly payments climb higher than expected. There is one option getting fresh attention, and it comes from an unexpected place. Assumable mortgages let a buyer take over a seller’s existing home loan, including its interest […]
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loans-&-mortgages
Mortgage rates just took a sharp turn, catching many buyers off guard. After dipping below 6% in late February, rates climbed fast through March and into early April. The average 30-year fixed mortgage now sits at 6.46%, its highest level in seven months. That jump has cooled early spring excitement in the housing market. The […]
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loans-&-mortgages
The U.S. housing market just caught a break, and it may already be fading. Mortgage rates briefly slipped below 6%, giving homebuyers a rare moment of relief after two long years of expensive borrowing. That window now looks fragile as the escalating Middle East conflict shakes financial markets. Fresh tensions involving Iran have rattled investors […]
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loans-&-mortgages
Age feels like a big factor when you think about taking on a 30-year mortgage. If you are in your 50s, 60s, or 70s, you might wonder if lenders will see you as too old. It is a fair question, but the real answer has less to do with candles on a birthday cake and […]
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loans-&-mortgages
A part-and-part mortgage, also called a part interest, part repayment mortgage, sits right in the middle of two familiar loan types. It mixes a repayment mortgage with an interest-only loan under one deal. You pay down some of the loan balance each month, and you only pay interest on the rest. This setup exists for […]
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loans-&-mortgages
The Federal Reserve cut interest rates for the third time in 2025 this December. On paper, that sounds like great news for homebuyers. Lower rates usually mean cheaper loans and easier monthly payments. However, reality is a bit more complicated. Mortgage rates did ease, but not in a dramatic way. Buyers are seeing relief, just […]
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loans-&-mortgages
The adaptation finance gap is no longer a quiet warning in climate reports. It is a real and rising crack in the global system. This gap refers to the growing distance between what countries need to prepare for climate shocks and the money they actually receive. As storms intensify, heatwaves spread, and floods ravage communities, […]
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loans-&-mortgages
A reverse mortgage isn’t your typical loan. It is a way for homeowners, usually 62 or older, to turn home equity into cash without selling the house or making monthly payments. You keep the title and stay in your home. Sounds simple, right? But what happens when it is time to pay it back? Unlike […]
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loans-&-mortgages
Mortgage rates are finally dropping, and it is about time. In mid-September 2025, the average 30-year fixed mortgage fell to 6.13%, the lowest it has been since late 2022. Some loans, like FHA and VA options, dropped even further, with VA loans touching 5.68%. Of course, this is a sigh of relief for buyers who […]
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loans-&-mortgages
Mortgage rates just dropped again, hitting 6.58% for a 30-year fixed loan, the lowest mark in 2025 so far. This is the fourth week in a row we have seen rates fall, and they haven’t been this low since October 2024. It is a big shift, especially after months of hovering around 7% or higher. […]
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loans-&-mortgages
A 15-year mortgage is a home loan you pay off in fifteen years instead of the usual thirty. The payments are higher each month, but you knock down the balance much faster. This type of mortgage usually comes with lower interest rates, which means you save big over time. Many homeowners pick this option because […]
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loans-&-mortgages
Reverse mortgages can be a financial lifeline or a trap, depending on how you use them. If you are 62 or older and sitting on a lot of home equity, you have probably heard about reverse mortgages. Before you jump in, it is smart to know exactly what you are signing up for. Here’s a […]
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loans-&-mortgages
The housing market is finally leaning in favor of buyers. For the first time in over a decade, sellers outnumber buyers by nearly 500,000 across the U.S. That is the widest gap in supply and demand since 2013. This means buyers now have the upper hand. This shift is happening fast. In 31 of the […]
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