Mortgage

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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
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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
MortgageMortgage
Why the housing sector should keep an eye on Trump's push to end Fannie Mae and Freddie Mac conservatorship

Why the housing sector should keep an eye on Trump's push to end Fannie Mae and Freddie Mac conservatorship

On Friday, Treasury Secretary Scott Bessent said privatization of Fannie Mae and Freddie Mac will be on the agenda after taxes and trade deals.

Lance Lambert
Lance Lambert
ProptechProptech
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The 3% mortgage isn’t dead: Assumptions surge 127% as buyers take over old loans
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The 3% mortgage isn’t dead: Assumptions surge 127% as buyers take over old loans

ResiClub PRO | We dive into the numbers behind mortgage assumptions, exploring how many homebuyers are taking advantage of this option.

Lance Lambert
Lance Lambert
MortgageMortgage
A real estate juggernaut is forming: Rocket agrees to acquire Mr. Cooper just weeks after the Redfin deal

A real estate juggernaut is forming: Rocket agrees to acquire Mr. Cooper just weeks after the Redfin deal

On Monday, giant mortgage lender Rocket Companies announced that it has agreed to buy mortgage servicer giant Mr. Cooper for $9.4 billion.

Lance Lambert
Lance Lambert
MortgageMortgage
Real estate shake-up: Why Rocket Companies just agreed to buy struggling Redfin

Real estate shake-up: Why Rocket Companies just agreed to buy struggling Redfin

Rocket Companies announces $1.75 billion deal to acquire Redfin. The mortgage titan hopes to leverage Redfin’s 50 million monthly visitors to take market share.

Lance Lambert
Lance Lambert
ForecastForecast
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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