Break your mortgage quote into its parts: Treasury yield, lender spread, credit add-ons and points, then see which slice of your rate you can actually change.
Find out how to calculate your mortgage payoff date by hand, step by step, and see exactly how much time extra principal payments can shave off your loan.
Refinance News
Mortgage rate predictions for the next 5 years: what drives rates, expert forecasts for 2024-2029, and practical strategies for buyers and homeowners.
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.
Mortgage rates during recessions can be unpredictable. See how 2008, 2020, and 1981 affected rates and what that means for home buyers and refinancers.
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.