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Fannie Mae and MBA agree: Most of the mortgage rate relief is already behind us

Fannie Mae and MBA agree: Most of the mortgage rate relief is already behind us

The average 30-year fixed mortgage rate tracked by Freddie Mac is 6.19%, down from 6.54% a year ago. Many economists believe that most of the short-term mortgage rate compression is already behind us.

Lance Lambert
Lance Lambert
MortgageMortgage
Powell admits MBS buying 'should have' stopped sooner—and says Fed will be more ‘nimble’ in future cycles

Powell admits MBS buying 'should have' stopped sooner—and says Fed will be more ‘nimble’ in future cycles

Powell acknowledged that the central bank may have kept purchasing mortgage-backed securities (MBS) for too long—but he’s also unsure how much it actually contributed to the Pandemic Housing Boom.

Lance Lambert
Lance Lambert
MortgageMortgage
Zillow says it would take an 'unrealistic' mortgage rate decline to restore housing affordability

Zillow says it would take an 'unrealistic' mortgage rate decline to restore housing affordability

The average 30-year fixed mortgage rate would need to be 4.43% to make the median-priced U.S. home affordable for the median-income household, estimates Zillow.

Lance Lambert
Meghan Malas
Lance Lambert, +1
MortgageMortgage
Mortgage rates and demand: A cycle-by-cycle analysis
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Mortgage rates and demand: A cycle-by-cycle analysis

ResiClub PRO | A historical lens shows demand this housing cycle is more rate-sensitive.

Lance Lambert
Lance Lambert
MortgageMortgage
We’re officially passing through a refi boomlet

We’re officially passing through a refi boomlet

The Mortgage Refinance Index just hit its highest level since March 2022.

Lance Lambert
Lance Lambert
ForecastForecast
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Bank of America: Path to 5% mortgage rates if 'the Fed does MBS quantitative easing'

Bank of America: Path to 5% mortgage rates if 'the Fed does MBS quantitative easing'

The average 30-year fixed mortgage rate just hit a 2025 calendar year low. Here's what Bank of America thinks it would take to see a bigger drop.

Lance Lambert
Lance Lambert
MortgageMortgage
Understanding the mortgage 'spread': How it could help lower mortgage rates in 2026
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Understanding the mortgage 'spread': How it could help lower mortgage rates in 2026

ResiClub PRO | The mortgage "spread" represents the difference between the 10-year Treasury yield and the average 30-year fixed mortgage rate. Here's why it matters.

Lance Lambert
Lance Lambert
MortgageMortgage
We’re 3 years into the mortgage industry’s dual drought
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We’re 3 years into the mortgage industry’s dual drought

ResiClub PRO | This is the longest stretch in modern mortgage history where both sides of the business—purchase and refi—have been constrained.

Lance Lambert
Lance Lambert
HomebuildingHomebuilding
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Spreading housing market softness sees this $23 billion builder offer $50k incentives per sale

Spreading housing market softness sees this $23 billion builder offer $50k incentives per sale

Here’s why $1 spent on mortgage rate buydowns by builders like PulteGroup currently generates more monthly payment savings than a $1 price cut.

Lance Lambert
Lance Lambert
MortgageMortgage
The housing sector still doesn't know what comes next for Fannie Mae and Freddie Mac conservatorship

The housing sector still doesn't know what comes next for Fannie Mae and Freddie Mac conservatorship

At ResiDay in November, we’ll push FHFA Director Bill Pulte to better explain what’s happening with Freddie Mac and Fannie Mae—and how it'll impact the housing market.

Lance Lambert
Lance Lambert
MortgageMortgage
How far mortgage rates would need to fall to unlock a refi boomlet

How far mortgage rates would need to fall to unlock a refi boomlet

If the average 30-year fixed mortgage rate fell to 5.5%, 3.6 million mortgage borrowers would be “in the money” for a traditional refinance. At 4.5%, it'd be 6.1 million.

Lance Lambert
Lance Lambert
MortgageMortgage
The mechanics behind mortgage rates—and the scenarios that could lower them
Premium

The mechanics behind mortgage rates—and the scenarios that could lower them

Despite the Fed cutting short-term rates by 100 basis points in 2024, and the Fed’s dot plot signaling another 50 basis point cut this year, mortgage rates haven’t materially changed.

Lance Lambert
Lance Lambert