Mortgage

Refis are slowly gaining momentum—just look at mortgage giant UWM’s earnings

7 min read

Refis are slowly gaining momentum—just look at mortgage giant UWM’s earnings

ByLance Lambert

Homebuilders with the most—and least—FHA exposure

6 min read

Homebuilders with the most—and least—FHA exposure

ByLance Lambert

Big banks retreated from mortgages after the 2008 housing crash—now this Fed governor wants them back

7 min read

Big banks retreated from mortgages after the 2008 housing crash—now this Fed governor wants them back

ByLance Lambert

100 major housing markets, one key question: How many homeowners are underwater?

6 min read

100 major housing markets, one key question: How many homeowners are underwater?

ByLance Lambert

Foreclosure activity inches closer to pre-pandemic 2019 levels

6 min read

Foreclosure activity inches closer to pre-pandemic 2019 levels

ByLance Lambert

Housing’s quiet shock absorber: U.S. homeowners at large have a giant equity buffer this cycle

3 min read

Housing’s quiet shock absorber: U.S. homeowners at large have a giant equity buffer this cycle

ByLance Lambert

Mortgage market update: Mortgage purchase and refi applications improve but remain historically soft

11 min read

Mortgage market update: Mortgage purchase and refi applications improve but remain historically soft

ByLance Lambert

Trump directs Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds to attempt to push mortgage rates lower

11 min read

Trump directs Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds to attempt to push mortgage rates lower

ByLance Lambert

Powell: 'housing market faces some really significant challenges' that a 25 bps rate cut won’t resolve

9 min read

Powell: 'housing market faces some really significant challenges' that a 25 bps rate cut won’t resolve

ByLance Lambert

A half-century of data shows a 1.40-point average annual mortgage-rate range

8 min read

A half-century of data shows a 1.40-point average annual mortgage-rate range

ByLance Lambert

Mortgage purchase applications are rising—so why did most housing markets soften in 2025?

7 min read

Mortgage purchase applications are rising—so why did most housing markets soften in 2025?

ByLance Lambert

FHA ban sends non-permanent resident mortgage locks from boom to bust

7 min read

FHA ban sends non-permanent resident mortgage locks from boom to bust

ByLance Lambert

Housing affordability is so strained that the White House is looking at a 50-year mortgage option—11 things to know

11 min read

Housing affordability is so strained that the White House is looking at a 50-year mortgage option—11 things to know

ByLance Lambert

Fannie Mae and MBA agree: Most of the mortgage rate relief is already behind us

7 min read

Fannie Mae and MBA agree: Most of the mortgage rate relief is already behind us

ByLance Lambert

Powell admits MBS buying 'should have' stopped sooner—and says Fed will be more ‘nimble’ in future cycles

10 min read

Powell admits MBS buying 'should have' stopped sooner—and says Fed will be more ‘nimble’ in future cycles

ByLance Lambert

Zillow says it would take an 'unrealistic' mortgage rate decline to restore housing affordability

4 min read

Zillow says it would take an 'unrealistic' mortgage rate decline to restore housing affordability

ByLance Lambert, +1

Mortgage rates and demand: A cycle-by-cycle analysis

8 min read

Mortgage rates and demand: A cycle-by-cycle analysis

ByLance Lambert

We’re officially passing through a refi boomlet

7 min read

We’re officially passing through a refi boomlet

ByLance Lambert

Bank of America: Path to 5% mortgage rates if 'the Fed does MBS quantitative easing'

7 min read

Bank of America: Path to 5% mortgage rates if 'the Fed does MBS quantitative easing'

ByLance Lambert

Understanding the mortgage 'spread': How it could help lower mortgage rates in 2026

7 min read

Understanding the mortgage 'spread': How it could help lower mortgage rates in 2026

ByLance Lambert

We’re 3 years into the mortgage industry’s dual drought

6 min read

We’re 3 years into the mortgage industry’s dual drought

ByLance Lambert

Spreading housing market softness sees this $23 billion builder offer $50k incentives per sale

11 min read

Spreading housing market softness sees this $23 billion builder offer $50k incentives per sale

ByLance Lambert

The housing sector still doesn't know what comes next for Fannie Mae and Freddie Mac conservatorship

8 min read

The housing sector still doesn't know what comes next for Fannie Mae and Freddie Mac conservatorship

ByLance Lambert

How far mortgage rates would need to fall to unlock a refi boomlet

5 min read

How far mortgage rates would need to fall to unlock a refi boomlet

ByLance Lambert

The mechanics behind mortgage rates—and the scenarios that could lower them

14 min read

The mechanics behind mortgage rates—and the scenarios that could lower them

ByLance Lambert