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.

Mortgages 52

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RIS Media

SEPTEMBER 10, 2020

Freddie Mac recently released the results of its Primary Mortgage Market Survey ®, which showed that the 30-year fixed rate mortgage is averaging 2.86 Here’s the breakdown: 30-Year Fixed-Rate Mortgage. 15-Year Fixed-Rate Mortgage. Averaged 2.86 percent with an average 0.8

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Marco Santarelli

DECEMBER 21, 2024

For instance, fluctuations in inflation can directly impact the bond market; if inflation remains high, bond yields may rise, causing mortgage rates to follow suit. As reported, 30-year mortgage rates have increased from 6.56% in November 2024 to their current average due to investor sentiment and economic indicators.

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HomeLight

OCTOBER 15, 2020

After the buyer gets a conforming mortgage, the lender typically sells the loan back to Fannie and Freddie. This is why lenders meet the Fannie and Freddie requirements in the first place, so they can sell the loans back to the GSEs or other investors, freeing up their money to make more mortgages.

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Realtor.com

DECEMBER 14, 2022

Getty Images / Realtor.com When it comes to making the largest purchase of their lives, most homebuyers would prefer to play it safe in choosing a loan. That’s why fixed-rate mortgages, the gold standard of home loans, have long been the most popular. Buy mortgage points to lower your rate.

Fixed-rate mortgage 102

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Marco Santarelli

JANUARY 6, 2025

Today's Mortgage Rates: Understanding the Changes on January 6, 2025 Key Takeaways Today's average mortgage rates: 30-year fixed: 6.67% 15-year fixed: 6.00% 5/1 ARM: 6.68% VA loans: range from 5.63% to 6.08%. Mortgage rates have decreased slightly , with expectations of more fluctuations.

Mortgages 97

Mortgages Debt-to-income ratio Fixed-rate mortgage VA loan 97

Realtor.com

DECEMBER 14, 2022

Getty Images / Realtor.com When it comes to making the largest purchase of their lives, most homebuyers would prefer to play it safe in choosing a loan. That’s why fixed-rate mortgages, the gold standard of home loans, have long been the most popular. Buy mortgage points to lower your rate.

Fixed-rate mortgage 99

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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.

FHA loan 52

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Marco Santarelli

MARCH 31, 2025

This rate environment makes careful shopping and understanding your loan options even more critical. Let's quickly touch on the different types of loans listed. Fixed-rate mortgages (like the 15-year, 20-year, and 30-year options) keep the same interest rate for the entire loan term.

Mortgages 64

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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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Marco Santarelli

JANUARY 15, 2025

Understanding Mortgage Types Selecting the right mortgage type can significantly impact your financial future. Adjustable-Rate Mortgages (ARMs) Pros: Typically feature lower initial interest rates than fixed-rate mortgages.

VA loan 52

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HomeLight

JUNE 22, 2023

Conventional loan To get a conventional loan , you’ll need to go to a private financial institution, which include banks, credit unions, and mortgage companies. The loans offered by these institutions aren’t backed by a government agency, like an FHA loan or a VA loan would be.

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Marco Santarelli

DECEMBER 9, 2024

Comparing Fixed and Adjustable Rates A pivotal consideration when choosing a mortgage is the difference between fixed and adjustable-rate mortgages (ARMs). A fixed-rate mortgage guarantees a constant interest rate throughout the loan's life.

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Redfin

APRIL 11, 2025

High demand from both first-time buyers and investors, combined with a limited number of entry-level properties, has created a tough environment for those trying to buy their first place. When you pay your mortgage each month, the payments go toward a tangible asset rather than a landlord. Is it still possible to buy a starter home?

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Marco Santarelli

OCTOBER 15, 2024

Understanding what drives these rates can empower borrowers to make informed decisions. Here are several key factors to consider: Bond Market: Mortgage rates typically follow changes in the bond market, particularly the 10-year Treasury yields. For instance, current 30-year VA rates average around 5.65%.

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Mortgages VA loan Fixed-rate mortgage Loans 52

HomeLight

AUGUST 28, 2020

Government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac play a big part in your mortgage rate. These government-backed agencies buy huge numbers of mortgages from lenders, bundle them together, and then sell them to investors. GSEs basically act like a middleman between mortgage lenders and investors.

Mortgages 104

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Marco Santarelli

AUGUST 9, 2024

Factors Driving the Surge in Mortgage Applications 1. Plummeting Mortgage Rates: The most significant driver of this upward trend is the considerable decrease in mortgage rates. The average interest rate for 30-year fixed-rate mortgages with conforming loan balances fell to 6.55

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Marco Santarelli

AUGUST 8, 2024

The recent drop in mortgage rates can be attributed to: Easing inflation : Signs indicate that inflationary pressures are beginning to stabilize. Federal Reserve actions : Investor expectations suggest that the Fed may cut its benchmark interest rate in the coming months, further influencing mortgage rates.

Mortgages 52

Mortgages Fixed-rate mortgage VA loan FHA loan 52

Marco Santarelli

AUGUST 3, 2024

This demand coincided with the emergence of the 30-year fixed-rate mortgage, a revolutionary financial instrument that democratized homeownership. In 1950, the average 30-year fixed-rate mortgage stood at a remarkable 4.5%. Average 30-Year Fixed Mortgage Rates: 2010: 4.7% 2020: 2.9%

Mortgages 52

Mortgages VA loan Fixed-rate mortgage Lending 52

Marco Santarelli

APRIL 24, 2024

Should you put your homebuying dreams on hold, hoping for rates to decrease, or lock in a loan now? There's no magic formula, but let's dissect the situation like a savvy real estate investor. While high rates translate to larger monthly payments, waiting for a potential drop comes with its own set of challenges.

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The Close

DECEMBER 29, 2022

This tool, also known as a like-kind exchange, allows investors to defer paying capital gains taxes on a sale. If you want to work with real estate investor clients, read our own Sean Moudry’s simple, yet thorough run down: “ How to Explain 1031 Exchange Rules to Your Clients.” Got Clients With Interest Rate Questions?

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Marco Santarelli

APRIL 14, 2025

Inflation : Increasing inflation, fueled by various economic stimuli and trade policies, often leads to higher interest rates as lenders seek higher yields. Market Sentiment : Fluctuations in the stock market and other financial sectors can significantly affect investor confidence and demand for mortgage-backed securities.

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Marco Santarelli

NOVEMBER 6, 2024

Upcoming Federal Reserve Meeting : The Fed is expected to announce a 25 basis point cut to the federal funds rate, although its immediate impact on mortgage rates may be limited. Future Outlook : Analysts expect mortgage rates will stabilize in the high 5% to low 6% range in the coming months.

Mortgages 98

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Marco Santarelli

APRIL 8, 2025

Today's mortgage rates, as of April 8, 2025 , show an average of approximately 6.50% for a 30-year fixed-rate mortgage. This figure reflects a slight decrease in rates following recent political news but remains susceptible to fluctuations due to inflationary pressures.

Mortgages 59

Mortgages Fixed-rate mortgage VA loan FHA loan 59

Marco Santarelli

APRIL 10, 2025

It's uncertain if rates will continue to rise or if market conditions will lead to a decrease in the near future. Understanding Today's Mortgage Rates Mortgage rates fluctuate due to various factors, including economic indicators, investor behavior in the bond market, and Federal Reserve policies.

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Marco Santarelli

FEBRUARY 7, 2025

Market Demand for Mortgage-Backed Securities – The Crowd's Opinion: This is a bit more complicated. Basically, investors buy bonds tied to mortgages. If lots of people want these bonds, it drives the price up, which can lead to lower interest rates. If demand is low, rates tend to go up.

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Marco Santarelli

FEBRUARY 5, 2025

If it shows a significant increase in unemployment, it could signal a slowing economy and lead to further rate declines. Of course, market sentiment and investor expectations also play a role. Uncertainty about the future can lead to volatility in the bond market, which in turn affects mortgage rates.

Mortgages 93

Mortgages Fixed-rate mortgage Debt-to-income ratio VA loan 93

Marco Santarelli

NOVEMBER 7, 2024

Let's break down why rates are climbing, what the current rates actually are, and what this means for people who already own a home, or who are hoping to buy on Mortgage Rates Surge Post-Election on November 7, 2024 Key Takeaways Increased Rates : The 30-year fixed mortgage rate has increased to 6.63% as of November 7, 2024 ( Zillow ).

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Marco Santarelli

JANUARY 10, 2025

Simply put, the mortgage rate is the amount of interest a lender charges you to borrow money for a home loan. Rates can fluctuate based on various economic factors, including inflation, employment rates, and even political events, which can affect investor confidence and mortgage costs.

Mortgages 52

Mortgages Loans VA loan FHA loan 52

Marco Santarelli

FEBRUARY 10, 2025

Understanding current mortgage rates is crucial as they significantly impact the affordability of homes. As rates fluctuate, they can create waves in the housing market that affect buyers, sellers, and investors. This can lead to lower initial payments, but uncertainty exists if the rates rise after the adjustment period.

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

Marco Santarelli

DECEMBER 15, 2024

The Inventory Shortage While lower mortgage rates could make housing more affordable, inventory remains a significant roadblock. Many homeowners locked in fixed-rate mortgages before 2022 with historically low rates of 34%. A lower interest rate environment could significantly benefit this group.

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