Marco Santarelli

APRIL 5, 2025

When there's uncertainty in the global economy, like what can happen with trade disputes and the imposition of tariffs, investors often look for safer places to put their money. Mortgage rates, particularly for 30-year fixed-rate mortgages, often follow the trend of these Treasury yields.

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Marco Santarelli

MARCH 14, 2025

Understanding How Mortgage Interest Rates Work Mortgage interest rates are essentially the cost of borrowing money to buy a home, expressed as a percentage. You'll encounter two primary types of rates: fixed and adjustable. Fixed-Rate Mortgages: These offer stability. 5 or 7 years).

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Fixed-rate mortgage Mortgages Loans Finance 93

Marco Santarelli

JANUARY 1, 2025

Understanding Mortgage Rates Mortgage rates are the interest rates that lenders charge on home loans. These rates can be classified as fixed-rate or adjustable-rate (ARM). Investor Behavior : Mortgage-backed securities are influenced by investor appetite.

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Marco Santarelli

APRIL 12, 2025

Adjustable Rates When considering mortgage options, many face the choice between fixed-rate and adjustable-rate mortgages (ARMs). Fixed-Rate Mortgages Pros: Consistency: Monthly payments remain stable throughout the life of the loan, which allows for easier budgeting.

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Mortgages Fixed-rate mortgage Marketing Loans 72

Marco Santarelli

JANUARY 21, 2025

For new borrowers, this means if you secure a mortgage at the current average rate, your monthly principal and interest payments will amount to approximately $672.71 Economic Indicators : Indicators such as employment rates, consumer spending, and GDP growth can all affect mortgage rates.

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Mortgages Fixed-rate mortgage Loans Principal 98

Marco Santarelli

MARCH 8, 2025

If you've got your sights set on a $500,000 home, you're likely asking the big question: How much would a $500,000 mortgage cost per month in March 2025? Well, based on the latest data from early March 2025, you could be looking at a principal and interest payment of around $3,200 to $3,300 for a 30-year fixed-rate mortgage.

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Mortgages Fixed-rate mortgage Principal Loans 59

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.

Mortgages 59

Mortgages Debt-to-income ratio Fixed-rate mortgage Loans 59

Housing Wire

AUGUST 29, 2022

I’m not really focused on the margins for this quarter,” Ishbia told investors in UWM’s second-quarter earnings call. “It’s To improve liquidity, it chose to reduce its servicing portfolio, completing a sale of single-family mortgage loans worth $257.3 million in the first quarter.

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Marco Santarelli

MARCH 31, 2025

This rate environment makes careful shopping and understanding your loan options even more critical. Fixed-rate mortgages (like the 15-year, 20-year, and 30-year options) keep the same interest rate for the entire loan term. Seeing the rates is one thing, but understanding what they mean for your wallet is crucial.

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Marco Santarelli

MARCH 25, 2025

30-Year vs. 15-Year Fixed Mortgage Rates: A Comparative Analysis The choice between a 30-year and 15-year fixed-rate mortgage represents a fundamental decision for homebuyers. The interest rate remains constant throughout the loan term, offering peace of mind and simplifying long-term financial planning.

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Mortgages Fixed-rate mortgage Debt-to-income ratio Principal 52

Marco Santarelli

MARCH 19, 2025

Here are today's average refinance rates, also from Zillow: Loan Type Interest Rate 30-Year Fixed 6.68% 20-Year Fixed 6.33% 15-Year Fixed 6.08% 5/1 ARM 6.80% 7/1 ARM 6.85% 30-Year VA 6.22% 15-Year VA 5.90% 5/1 VA 6.21% 30-Year FHA 6.21% 15-Year FHA 5.73% Note: These are national averages and can vary.

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Mortgages Principal Fixed-rate mortgage Loans 52

Marco Santarelli

NOVEMBER 1, 2024

Borrowers should expect to pay $658.60 in principal and interest for every $100,000 borrowed. Factors Influencing Today's Mortgage Rates The rise in today's mortgage rates is influenced by several key factors, including: Federal Reserve Decisions : Recently, the Federal Reserve cut interest rates by half a point.

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Mortgages Principal Fixed-rate mortgage Loans 52

Realtor.com

APRIL 5, 2021

Getty Images What is an interest-only mortgage? It’s a type of home loan where you start off paying only the interest for a certain time period, followed by a time where you pay back both the interest and principal. But unlike a conventional ARM, borrowers don’t build any equity in their home with an interest-only mortgage. “I

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Marco Santarelli

FEBRUARY 16, 2025

When mortgage rates are stable or decrease slightly, it can incentivize more buyers to enter the housing market, especially if home prices remain high. One key component in the determination of rates is the yield on the 10-year Treasury note. Conversely, when yields decline, mortgage rates often drop as well.

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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.

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Mortgages VA loan Fixed-rate mortgage Debt-to-income ratio 52

Marco Santarelli

DECEMBER 22, 2020

In this article, we shall discuss the various types of mortgage notes and how to invest in them. Real estate or mortgage note investing is owning real estate without property management or without becoming a landlord where the homeowner pays the investor instead of the bank. Fixed-Rate Mortgage Loans.

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Marco Santarelli

MARCH 6, 2025

Decoding Mortgage Jargon: What Does It All Mean? Let's be real, the mortgage world is full of confusing terms. Let me break down some of the most important ones: Fixed-Rate Mortgage: The interest rate stays the same for the entire loan term. Loan Term: The length of time you have to pay off your mortgage.

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Mortgages Debt-to-income ratio Loans Principal 64

Toronto Realty Blog

MAY 31, 2023

per month mortgage fee there’s principal and there’s interest. In the first year of the mortgage $6,067 of principal is paid down as $15,190 of interest is gone as a sunk cost. One story references pre-construction condo investors specifically, but there are so many other factors here.

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Fixed-rate mortgage Principal Investor Mortgages 19

Marco Santarelli

JANUARY 23, 2025

Monthly Payment Calculation: With the current average rate, for every $100,000 borrowed, the monthly principal and interest payment stands at approximately $668.66. Current Rate: 7.02% Monthly Payment Calculation: Borrowers will pay about $666.65 mortgage rates. Investors often seek safer investments like U.S.

Mortgages 52

Mortgages Debt-to-income ratio Loans Fixed-rate mortgage 52

Marco Santarelli

OCTOBER 23, 2024

While mortgage rates for today, October 23, 2024 , show an increase, it's important to understand the bigger picture. These fluctuations are normal; the market is constantly reacting to economic shifts, investor confidence, and Federal Reserve decisions. per month in principal and interest.

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Toronto Realty Blog

AUGUST 8, 2024

” It’s not just that they sell for more to late-stage investors who don’t necessarily know what they’re doing, but rather they’re somehow… better. Mark my words: In ten years, price-per-square-foot will not reflect what was paid in pre-construction, but rather what the going rate is downtown.

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Norada Real Estate

JUNE 22, 2022

” But, if an investor does not have that much cash in hand, finance is required to meet the purchase price of an investment property. In the case of a Non-Recourse Loan, the investor puts an asset forward. A turnkey rental property is a source of passive income for investors. What is a Turnkey Rental Property?

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Toronto Realty Blog

SEPTEMBER 8, 2022

But let’s leave interest rates off the list, even though the Bank of Canada increased the overnight lending rate by 0.75% on Wednesday, because we knew that was going to happen. I want to talk about three things: trigger rates, variable vs. fixed spread, and alternative lenders.

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HomeLight

AUGUST 28, 2020

Your mortgage company lends you $250,000. This $250,000 is called the loan principal. Your mortgage rate is what you’ll pay to borrow that $250,000 over time. It’s a percentage you pay on top of the loan principal. So, let’s say you’ll pay 5% interest on top of the $250,000 principal.

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HomeLight

JUNE 22, 2023

Mortgage payments (this includes homeowner’s insurance, taxes, loan interest, and loan principal) cannot exceed 29% of the household’s monthly income, and their total debt (car payments, credit card debt, student loans, medical debt, and so on) cannot exceed 41% of the household’s monthly income.

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Debt-to-income ratio Mortgages FHA loan Loans 98

Toronto Realty Blog

FEBRUARY 24, 2021

So while the buyer of a house must consider more than just the “sunk cost,” and understand his or her ability to service the mortgage liability each and every month, there’s more than simply cash-flow at play. I’m not a “shoot for the stars” investor. Is that “responsible?”

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Mortgages Fixed-rate mortgage Finance Equity 110

Marco Santarelli

JANUARY 3, 2025

Its essential to remember that the rates listed are averages, meaning individual circumstances, such as your credit score and down payment, will affect the rates you may actually qualify for. 30-Year Fixed Mortgage: Current Trends The 30-year fixed mortgage rates are particularly popular among homebuyers due to their predictability.

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Mortgages Fixed-rate mortgage Loans Finance 52

Marco Santarelli

JULY 11, 2022

This indicates that one-fourth of purchases were conducted with cash, indicating that there is a sizeable group of buyers who are not impacted by mortgage rate changes. Investors made up 16% of all transactions, down slightly from April and from a year ago. The average rate for a 15-year fixed mortgage is 4.94

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Sales Marketing Fixed-rate mortgage Mortgages 98

Marco Santarelli

DECEMBER 16, 2024

Today's Mortgage Rates Drop to 6.73% Ahead of Key Fed Meeting – December 16, 2024 Key Takeaways Mortgage rates are trending down for all major loan types ( Bankrate ). 30-year fixed-rate mortgage: 6.73% , down from last weeks 6.79% (-6 basis points).

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Mortgages Fixed-rate mortgage Finance Loans 52

Marco Santarelli

SEPTEMBER 13, 2024

Understanding Mortgage Interest Rates A mortgage interest rate is essentially the charge you pay to borrow money to buy a home. Types of Mortgages Fixed-Rate Mortgage : This type keeps a constant interest rate throughout the life of the loan.

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Mortgages Principal Fixed-rate mortgage Loans 52

Marco Santarelli

JULY 30, 2020

We will discuss the latest Los Angeles housing market trends & news and find out how they can affect the investors and homebuyers. Let’s talk a bit about Los Angeles the surrounding metro area before we discuss what lies ahead for investors and homebuyers. Home sales dropped over the past couple of months but prices remain high.

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Marco Santarelli

AUGUST 9, 2024

One of the most promising indicators is the rapid decline in mortgage rates. According to Freddie Mac, rates on 30-year fixed-rate mortgages plummeted below 6.5% Interest Rate Loan Amount: $400,000 Interest Rate: 7.5% Loan Term: 30 years Monthly Principal & Interest: $2,838 Scenario 2: 6.5%

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Marco Santarelli

DECEMBER 20, 2024

Typically, when the Fed cuts rates, it signals easier borrowing conditions. However, mortgage rates often respond to anticipated Fed actions rather than the actions themselves. Investors tend to price in these expectations beforehand, which can cause mortgage rates to rise even when the Fed cuts rates.

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Mortgages Fixed-rate mortgage Investor Loans 52

Marco Santarelli

JUNE 3, 2024

This report is closely watched by investors and financial institutions, as it can significantly influence the Federal Reserve's next move. Even a small change in your mortgage rate can significantly impact your monthly payment. However, if the interest rate rises to 7.5% , the monthly payment jumps to $1,488.

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Mortgages Loan Officer Fixed-rate mortgage Loans 52

Redfin

JULY 14, 2023

There are several factors that make Birmingham a favorable place for property investors too, such as its affordable home values, passive income potential, and overall market stability over the last few years. As you make regular mortgage payments, a portion goes towards reducing the principal amount owed, effectively increasing your equity.

Equity 58

Equity Fixed-rate mortgage Closing costs Inspection 58

Marco Santarelli

JUNE 6, 2024

Therefore, while the rate cut by the Bank of Canada is an interesting development, it does not guarantee that the U.S. Market Speculation and Future Projections Investors and market analysts will be closely watching the Federal Reserve's upcoming meetings and statements for any signs of a shift in policy.

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HomeLight

AUGUST 25, 2020

To help you navigate an earlier-than-expected home sale, we talked with a top real estate agent and some seasoned property investors to create this in-depth guide. At that rate, a $300,000 home would only see an increase of around $10,500 in one year, or $5,250 in six months. Source: (Giorgio Trovato / Unsplash).

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