The Truth About Mortgage

Mortgage Rates Drop on Ceasefire, But Beware of the Bounce

Colin Robertson — Wed, 08 Apr 2026 17:08:02 +0000

Mortgage rates continue to move lower, extending the rally from last week due to a two-week “ceasefire” in the Middle East. However, there have already been reports of multiple events including a massive bombardment in Lebanon since the ceasefire was apparently agreed to. In other words, it’s unclear how much of a ceasefire this really… Read More »Mortgage Rates Drop on Ceasefire, But Beware of the Bounce

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Top Mortgage Lenders of 2025: UWM Makes It Three Years in a Row at #1

Colin Robertson — Tue, 07 Apr 2026 16:47:18 +0000

It’s a hat trick. Once again, United Wholesale Mortgage was crowned the top mortgage lender in the country, as it was in 2024 and 2023. This marks the third year in a row for the Pontiac, Michigan-based company that solely works with mortgage brokers. And like usual, they beat out their crosstown rival Rocket Mortgage… Read More »Top Mortgage Lenders of 2025: UWM Makes It Three Years in a Row at #1

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Mortgage Rates Enjoy Winning Streak, But Could Rebound Even Higher

Colin Robertson — Mon, 06 Apr 2026 16:39:58 +0000

Mortgage rates have been surprisingly resilient lately, despite all the inflation concerns related to the ongoing conflict in the Middle East. At last glance, the price of a barrel of oil was over $110, up from the $60 range in February. Yes, mortgage rates have risen quite a bit since that time, but they remain… Read More »Mortgage Rates Enjoy Winning Streak, But Could Rebound Even Higher

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Mortgage Rates Get Relief Thanks to Jerome Powell!

Colin Robertson — Tue, 31 Mar 2026 17:38:06 +0000

What was once unimaginable has now become reality. Jerome Powell may have made mortgage rates go down. I know what many are thinking. This can’t be possible. The Fed chair is a super villain when it comes to mortgage rates. He raised rates 11 times and made mortgage rates surge higher. The man defied the… Read More »Mortgage Rates Get Relief Thanks to Jerome Powell!

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How Mortgage Rates Could Have a Winning Week

Colin Robertson — Mon, 30 Mar 2026 14:49:27 +0000

It’s been hard for mortgage rates to buy a bucket lately. They’ve been creeping higher and higher all month with seemingly no letup in sight. The worst part is they were at the lowest levels in over three years at the end of February. Question is, what can stop the pain and deliver rates a… Read More »How Mortgage Rates Could Have a Winning Week

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Are Mortgage Rates Approaching a Top?

Colin Robertson — Fri, 27 Mar 2026 16:29:16 +0000

Mortgage rates have had a really bad month. After falling to the lowest levels in three and a half years in late February, they abruptly changed course. The reason why wasn’t a mystery. An unexpected war broke out in Iran, sending oil prices above $100 a barrel and mortgage rates back above 6.50%. At last… Read More »Are Mortgage Rates Approaching a Top?

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Better and Coinbase Launch Token-Backed Mortgages

Colin Robertson — Thu, 26 Mar 2026 15:26:44 +0000

Cryptocurrency just became further entrenched in the mortgage world thanks to a new partnership between Better and Coinbase. The two companies have collectively launched a “token-backed mortgage” that adheres to the standards of Fannie Mae. That means it’s a conforming mortgage that enjoys favorable underwriting guidelines and lower mortgage rates versus typical token-backed loans. Borrowers… Read More »Better and Coinbase Launch Token-Backed Mortgages

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Mortgage Rates Will Soon Be Above Year-Ago Levels

Colin Robertson — Wed, 25 Mar 2026 17:52:50 +0000

If my prediction is right, mortgage rates will soon be above levels seen a year earlier. The biggest positive for the housing market lately was the fact that mortgage rates were markedly lower this year versus last. But that changed in an instant once the Middle East conflict broke out, sending interest rates flying higher.… Read More »Mortgage Rates Will Soon Be Above Year-Ago Levels

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No, Mortgage Rates Are Not Back to 7% Again

Colin Robertson — Tue, 24 Mar 2026 16:47:09 +0000

There are charts floating around (again) claiming that the 30-year fixed mortgage is back to 7%. These are hyperbolic and misleading and being used to sow fear and doom related to the recent uptick in rates. In reality, mortgage rates are about a half-point higher than they were a month ago, but nowhere close to… Read More »No, Mortgage Rates Are Not Back to 7% Again

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Mortgage Rates Finally See Winning Day Thanks to Easing War Tensions and MBS Buying

Colin Robertson — Mon, 23 Mar 2026 17:26:07 +0000

Mortgage rates are finally moving lower today due to two separate beneficial forces. First, 10-year bond yields are falling due to “very good and productive conversations” with Iran. This according to President Donald Trump, who said as much on his Truth Social account. In addition, there is word of new MBS buying from Fannie and… Read More »Mortgage Rates Finally See Winning Day Thanks to Easing War Tensions and MBS Buying

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