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
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.
What’s driving mortgage rates and housing market trends in 2026? From inventory shifts to refinance demand, here’s a grounded look at what matters for buyers and homeowners.
Mortgage rates vs federal funds rate: they’re linked but not the same. Learn how Fed policy influences your loan rate and where it really comes from.
How the economy affects mortgage rates: inflation, jobs, Fed policy, and the bond market — and what it means for your next home loan.