The Truth About Mortgage https://www.thetruthaboutmortgage.com/ Your guide to a smarter home loan. Tue, 28 Apr 2026 16:38:12 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://www.thetruthaboutmortgage.com/wp-content/uploads/2023/02/cropped-TTAM-min-32x32.png The Truth About Mortgage https://www.thetruthaboutmortgage.com/ 32 32 What’s Going to Move Mortgage Rates Again? https://www.thetruthaboutmortgage.com/whats-going-to-move-mortgage-rates-again/ https://www.thetruthaboutmortgage.com/whats-going-to-move-mortgage-rates-again/#respond Tue, 28 Apr 2026 16:38:11 +0000 https://www.thetruthaboutmortgage.com/?p=42576 It’s been an eerily quiet week or so for mortgage rates. Almost too quiet, as if you think something’s lurking around the corner. After a very volatile March (when they surged higher) and much of April (when they surprisingly recovered), they’ve done basically nothing. It makes you wonder what comes next and what the catalyst… Read More »What’s Going to Move Mortgage Rates Again?

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]]> https://www.thetruthaboutmortgage.com/whats-going-to-move-mortgage-rates-again/feed/ 0 Where Would Mortgage Rates Be Without War in Iran? https://www.thetruthaboutmortgage.com/where-would-mortgage-rates-be-without-war-in-iran/ https://www.thetruthaboutmortgage.com/where-would-mortgage-rates-be-without-war-in-iran/#respond Fri, 24 Apr 2026 16:07:54 +0000 https://www.thetruthaboutmortgage.com/?p=42572 Mortgage rates have had a pretty good April, all things considered. They’ve come down about 30 basis points (0.30%) over the past month, despite the conflict in Iran still raging on. So I was curious where mortgage rates would be without a war in Iran, had it never gotten started at the end of February.… Read More »Where Would Mortgage Rates Be Without War in Iran?

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]]> https://www.thetruthaboutmortgage.com/where-would-mortgage-rates-be-without-war-in-iran/feed/ 0 Lenders Will Now Pay You to Give Up Your Low Rate Mortgage https://www.thetruthaboutmortgage.com/lenders-will-now-pay-you-to-give-up-your-low-rate-mortgage/ https://www.thetruthaboutmortgage.com/lenders-will-now-pay-you-to-give-up-your-low-rate-mortgage/#respond Thu, 23 Apr 2026 18:24:04 +0000 https://www.thetruthaboutmortgage.com/?p=42567 Folks have been debating so-called “mortgage rate lock-in” for years now. It’s also known as the golden handcuffs of an ultra-low interest rate that make it difficult to move. On the one hand, you’ve got this well-below-market mortgage rate and corresponding cheap housing payment. On the other hand, it makes it hard to give up… Read More »Lenders Will Now Pay You to Give Up Your Low Rate Mortgage

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]]> https://www.thetruthaboutmortgage.com/lenders-will-now-pay-you-to-give-up-your-low-rate-mortgage/feed/ 0 Top 10 Mortgage Refinance Companies (New for 2026) https://www.thetruthaboutmortgage.com/top-10-mortgage-refinance-companies/ https://www.thetruthaboutmortgage.com/top-10-mortgage-refinance-companies/#comments Wed, 22 Apr 2026 22:54:18 +0000 https://www.thetruthaboutmortgage.com/?p=42560 Each year, I compile the top 10 mortgage refinance companies by loan volume. This means the mortgage lenders closing the most refinance loans in the country versus the competition. The undisputed leader was United Wholesale Mortgage, or UWM for short, based on the just released data. Despite being a lender that only works for mortgage… Read More »Top 10 Mortgage Refinance Companies (New for 2026)

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]]> https://www.thetruthaboutmortgage.com/top-10-mortgage-refinance-companies/feed/ 2 Will AI Lead to Higher or Lower Mortgage Rates? https://www.thetruthaboutmortgage.com/will-ai-lead-to-higher-or-lower-mortgage-rates/ https://www.thetruthaboutmortgage.com/will-ai-lead-to-higher-or-lower-mortgage-rates/#respond Tue, 21 Apr 2026 18:19:06 +0000 https://www.thetruthaboutmortgage.com/?p=42544 There’s this theory that AI adoption will be “massively disinflationary.” In that as the technology improves, we will see big production gains that lower the costs of everything. Simply put, supply will greatly outstrip demand, making things cheaper. This sounds like a good outcome for inflation and an environment that can invite lower interest rates,… Read More »Will AI Lead to Higher or Lower Mortgage Rates?

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]]> https://www.thetruthaboutmortgage.com/will-ai-lead-to-higher-or-lower-mortgage-rates/feed/ 0 Why Aren’t Mortgage Rates Rising with the Middle East Conflict Seemingly Worsening? https://www.thetruthaboutmortgage.com/why-arent-mortgage-rates-rising-with-middle-east-conflict-seemingly-worsening/ https://www.thetruthaboutmortgage.com/why-arent-mortgage-rates-rising-with-middle-east-conflict-seemingly-worsening/#respond Mon, 20 Apr 2026 17:17:18 +0000 https://www.thetruthaboutmortgage.com/?p=42518 You might be wondering why mortgage rates remain fairly low despite tensions in the Middle East remaining quite high. While there was a glimmer of hope a few days ago when Israel and Lebanon announced a ceasefire and an Iranian official declared the Strait of Hormuz open, it appeared to be short-lived. It turned out… Read More »Why Aren’t Mortgage Rates Rising with the Middle East Conflict Seemingly Worsening?

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]]> https://www.thetruthaboutmortgage.com/why-arent-mortgage-rates-rising-with-middle-east-conflict-seemingly-worsening/feed/ 0 Mortgage Rates Plummet on Unexpected Peace Deal and Strait Reopening https://www.thetruthaboutmortgage.com/mortgage-rates-plummet-on-unexpected-peace-deal-and-strait-reopening/ https://www.thetruthaboutmortgage.com/mortgage-rates-plummet-on-unexpected-peace-deal-and-strait-reopening/#respond Fri, 17 Apr 2026 16:16:31 +0000 https://www.thetruthaboutmortgage.com/?p=42490 Mortgage rates just got the best possible news they could get. A 10-day ceasefire between Israel and Lebanon has been announced that also resulted in Iran declaring the Strait of Hormuz “completely open.” This resulted in oil prices dropping into the $80s and 10-year bond yields falling closer to 4.20%. As a result, 30-year fixed… Read More »Mortgage Rates Plummet on Unexpected Peace Deal and Strait Reopening

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]]> https://www.thetruthaboutmortgage.com/mortgage-rates-plummet-on-unexpected-peace-deal-and-strait-reopening/feed/ 0 Does It Make Sense to Float with Mortgage Rates Near 3.5-Year Lows? https://www.thetruthaboutmortgage.com/does-it-make-sense-to-float-with-mortgage-rates-near-3-5-year-lows/ https://www.thetruthaboutmortgage.com/does-it-make-sense-to-float-with-mortgage-rates-near-3-5-year-lows/#respond Thu, 16 Apr 2026 20:21:38 +0000 https://www.thetruthaboutmortgage.com/?p=42487 I got to thinking lately that floating a mortgage rate might not offer much upside at the moment. Obviously it’s situational and depends on a particular loan scenario, timing, etc., but with mortgage rates back near 3.5 year lows, how much lower can they can go? With oil prices still hovering near $100 per barrel,… Read More »Does It Make Sense to Float with Mortgage Rates Near 3.5-Year Lows?

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]]> https://www.thetruthaboutmortgage.com/does-it-make-sense-to-float-with-mortgage-rates-near-3-5-year-lows/feed/ 0 Why Are Mortgage Rates Falling with the Strait of Hormuz Still Closed? https://www.thetruthaboutmortgage.com/why-are-mortgage-rates-falling-with-the-strait-of-hormuz-still-closed/ https://www.thetruthaboutmortgage.com/why-are-mortgage-rates-falling-with-the-strait-of-hormuz-still-closed/#respond Wed, 15 Apr 2026 16:18:16 +0000 https://www.thetruthaboutmortgage.com/?p=42479 In somewhat astonishing fashion, at least to me, mortgage rates have been falling all month. And by a fair amount. After a really ugly March, in which rates surged from sub-6% levels to around 6.625%, they’ve since come down quite a bit. At last glance, the 30-year fixed was back around 6.30%, which by all… Read More »Why Are Mortgage Rates Falling with the Strait of Hormuz Still Closed?

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]]> https://www.thetruthaboutmortgage.com/why-are-mortgage-rates-falling-with-the-strait-of-hormuz-still-closed/feed/ 0 Mortgage Rates Are Expected to Be Flat/Lower Over the Next Five Years: So Why the 30-Year Fixed? https://www.thetruthaboutmortgage.com/mortgage-rates-are-expected-to-be-flat-lower-over-the-next-five-years-so-why-the-30-year-fixed/ https://www.thetruthaboutmortgage.com/mortgage-rates-are-expected-to-be-flat-lower-over-the-next-five-years-so-why-the-30-year-fixed/#respond Tue, 14 Apr 2026 15:34:53 +0000 https://www.thetruthaboutmortgage.com/?p=42475 The brains over at Yahoo Finance set out to determine a five-year mortgage rate forecast using traditional research and Anthropic’s Claude. When combining 10-year treasury yield forecasts with projected spreads, they came up with 30-year fixed mortgage rates for the next five years. What they discovered is that mortgage rates are largely expected to go… Read More »Mortgage Rates Are Expected to Be Flat/Lower Over the Next Five Years: So Why the 30-Year Fixed?

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