Debt-to-income ratio Fixed-rate mortgage Investor 
Marco Santarelli
JANUARY 2, 2025
When inflation is a concern, lenders increase rates to maintain profit margins. Treasury bonds impacts mortgage rates. As bond yields rise, mortgage rates typically follow suit. Investors often demand higher yields in a rising interest rate environment. Bond Market : The yield on U.S.
Housing Wire
MARCH 10, 2023
Toohig adds that lenders are telling him that their customers “don’t want to do a new 30-year fixed-rate mortgage at 6.25%, and we’d rather do a smaller-balance HELOC [home equity line of credit] instead to improve their property.” And we have more of an asset-based underwriting not focused on debt-to-income ratios.”
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Marco Santarelli
MARCH 4, 2025
As of right now, the expectation is that interest rate cuts may not happen before the end of the year 2025. Economic Growth (or Lack Thereof): If the economy is slowing down, investors often shift their money into safer investments like mortgage-backed securities. This increased demand can then push mortgage rates down.
Marco Santarelli
APRIL 7, 2025
This concern has caused a dip in investor confidence, resulting in lower yields on U.S. Treasury bonds, which often influences mortgage rates. Fixed-Rate vs. Adjustable-Rate Mortgages Choosing between a fixed-rate and an adjustable-rate mortgage (ARM) is a key decision for homebuyers.
Marco Santarelli
MARCH 25, 2025
Here is a breakdown of current rates based on the latest information from Zillow: Loan Type Rate 30-Year Fixed 6.58% 20-Year Fixed 6.36% 15-Year Fixed 5.97% 5/1 ARM 6.72% 7/1 ARM 6.76% 30-Year VA 6.10% 15-Year VA 5.63% 5/1 VA 5.13% It's essential to recognize that these figures represent national averages.
Marco Santarelli
DECEMBER 22, 2024
Treasury Yields: The 10-year Treasury yield is a significant benchmark for mortgage rates. When yields rise, so do mortgage rates, and vice versa. Currently, as yields have been on the rise, mortgage rates have followed suit. This can be valuable if interest rates rise in the future.
Marco Santarelli
JANUARY 6, 2025
Generally, higher credit scores qualify for lower rates, while lower scores lead to higher rates. Lenders also consider debt-to-income ratios and down payment amounts when setting rates. Generally, fixed-rate mortgages tend to have higher initial rates compared to variable rates.
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