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What would happen to mortgage rates if conservatorship ends for Freddie Mac and Fannie Mae?
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What would happen to mortgage rates if conservatorship ends for Freddie Mac and Fannie Mae?

ResiClub PRO | Treasury Secretary Scott Bessent says Freddie Mac and Fannie Mae could be released from conservatorship if doing so doesn't push up mortgage rates—here's what the research suggests.

Lance Lambert
Lance Lambert
MortgageMortgage
Loan officer: My homebuyers who would've gotten $4K–$5K payments a few years ago are now facing $8K–$10K payments

Loan officer: My homebuyers who would've gotten $4K–$5K payments a few years ago are now facing $8K–$10K payments

This Washington, D.C. mortgage planner says he has seen the monthly payments of new clients double in just a few years.

Lance Lambert
Lance Lambert
ForecastForecast
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What to expect from mortgage rates in 2025, as predicted by 17 different major research groups
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What to expect from mortgage rates in 2025, as predicted by 17 different major research groups

ResiClub PRO | Among the 17 mortgage rate forecasts currently tracked by ResiClub, the average prediction is 6.33% by late 2025.

Lance Lambert
Lance Lambert
MortgageMortgage
73% of U.S. mortgage borrowers currently have an interest rate below 5.0%

73% of U.S. mortgage borrowers currently have an interest rate below 5.0%

According to the third-quarter data just released by FHFA, 73.3% of U.S. mortgage borrowers now have an interest rate below 5.0%—a decline of 12.2 percentage points since Q1 2022.

Lance Lambert
Lance Lambert
MortgageMortgage
Here's the fastest path to lower mortgage rates

Here's the fastest path to lower mortgage rates

When it comes to mortgage rates, the key factor to watch moving forward remains the labor market.

Lance Lambert
Lance Lambert
MortgageMortgage
The average 30-year fixed mortgage rate jumps back to 7.0%—here's why

The average 30-year fixed mortgage rate jumps back to 7.0%—here's why

The Federal Reserve doesn't directly set long-term rates like mortgage rates. Instead, financial markets look to expectations about the future direction of the economy, labor market, inflation, and Fed policy.

Lance Lambert
Lance Lambert
MortgageMortgage
The housing market's 'magic mortgage rate' is proving elusive

The housing market's 'magic mortgage rate' is proving elusive

According to a new survey by John Burns Research and Consulting, the average 30-year fixed mortgage rate is still well above the 'magic mortgage rate.'

Lance Lambert
Lance Lambert
MortgageMortgage
Potential refinance pool expands: From 1 million to 4 million borrowers in just three months
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Potential refinance pool expands: From 1 million to 4 million borrowers in just three months

ResiClub PRO | The potential refinance pool is growing; however, it is still expected that traditional refinances will have a lower ceiling this cycle.

Lance Lambert
Lance Lambert
MortgageMortgage
With borrowers sitting on low rates, refi will only be able to grow so much

With borrowers sitting on low rates, refi will only be able to grow so much

Among U.S. homeowners who have a mortgage, 76% have an interest rate below 5.0%.

Lance Lambert
Lance Lambert
MortgageMortgage
The mortgage market is still passing through one of its biggest downturns in history

The mortgage market is still passing through one of its biggest downturns in history

While national home prices and single-family homebuilding have proved resilient, the mortgage market remains in the dumps.

Lance Lambert
Lance Lambert