Refinance calculators are only as good as the numbers you feed them. Use this guide to get accurate results and know exactly when a refi pays off.
Learn how inflation affects mortgage rates and why they don’t always move the way you’d expect. Here’s what history shows, plus practical steps for buyers.
Refinance News
Compare mortgage rates before and after COVID, from 2019’s steady 3.5% to the 2.65% record low and today’s 7% reality. See how the pandemic reset housing.
Discover the lowest mortgage rates in history, including the record 2.65% fix in 2021, and learn what it would take for rates to ever return to those levels.
The highest mortgage rates in history hit 18.63% in 1981. See what caused them, how buyers coped, and whether such rates could return in today’s market.
Explore mortgage rates history since 1970, from 18% peaks in the 1980s to pandemic-era lows. See how Fed policy, inflation, and crises shaped today’s market.
Mortgage rates by year tell a wild story — from 18% in 1981 to 2.65% in 2020. See the key turning points and where 30-year rates stand today.
Explore mortgage rate trends over the years, from 1981’s 16% peak to record lows in 2020 and today’s 7% reality, and see what history suggests for your next mortgage decision.