Tag Archives: interest rates


Today we tend to do everything online—from dating and being social to ordering groceries and banking.  But, when it comes to getting a home loan, does it make sense to go with one of those online mortgage companies? If you’re thinking about going online to track down a home loan, here’s a quick rundown of … Continue reading The Pros and Cons of Online Mortgages


Fixed-rate mortgage and adjustable-rate mortgages are the two primary mortgage types for homebuyers. While other loans options fall within these two categories, the first step in homebuying is determining which of the two types best suits you! Fixed-Rate Loan A fixed-rate mortgage is exactly as it sounds – it’s a home loan with an interest … Continue reading Choosing Between a Fixed vs. Adjustable Rate Mortgage


Much ado has been written and discussed lately about rising interest rates. Within days after the presidential election results were tabulated, the U.S. stock market soared. When that happens, the bond market suffers. As a result, U.S. Treasury bond yields dropped. Long-term mortgage interest rates are more closely tied to Treasury bonds, pushing those rates … Continue reading Despite Increases, Interest Rates Are Still Low

Interest Rates

Now that 2016 is just about in the record books, we naturally turn our thoughts to what 2017 will hold – especially for the housing market and mortgage industry. The big question facing 2017 will be, “How will interest rate increases affect the housing market?” Let’s look at a few factors that affect housing and … Continue reading What Role Will Interest Rates Play in 2017?


Most economists say the outlook for housing in the coming year will focus on economic growth. Many see that growth to be in the 2-2.5% range with increases in five key areas. Let’s take a look. Mortgage interest rate increases Interest rates are expected to average slightly over 4% next year, with the Federal Reserve … Continue reading The Housing Outlook for 2017

Higher Interest Rates Soften Sales

With the presidential election now having been decided, a recent rise in mortgage interest rates is starting to affect home sales. The average rate on a 30-year conventional loan reached the highest level in more than a year. What this increase means for people who can afford it is just an additional frustration, however, for … Continue reading Higher Interest Rates Soften Sales

As 2015 ends, it’s time to look into the proverbial crystal ball and see what’s in store for the market in 2016. Economic growth is expected to continue, as should gains in employment. When that occurs, it should mean Americans will have more money to buy their first home or upgrade to a newer one. … Continue reading 5 Real Estate Trends to Watch For in 2016

The Federal Reserve has been considering raising federal funds rates for the past several weeks. If it happens, how will homebuyers respond to higher interest rates? The question facing many in the real estate and mortgage industry is, “Do potential homebuyers really care?” The quick answer is, “To some extent.” While homebuyers are conscious of … Continue reading The Effect of Rising Interest Rates on Homebuyers

At least one contributing economics author for Forbes Magazine says there is little substantial correlation between expected Federal Reserve interest rate increases and mortgage rates. Lawrence Yun says, “The Federal Reserve will raise interest rates this year and continue to do so throughout next year. This act, however, does not automatically guarantee a proportionate rise … Continue reading Will the Federal Reserve Interest Rate Hike Impact Mortgage Rates?

Major Economic Events Shape The Fed

As discussed, The Federal Reserve System, the United States’ Central Banking System, evolved solely throughout the late 19th century and really got its legs following several financial panics of the early 20th Century.  The system was reactive to financial change, panics, and regional differences.   Consumers, manufacturers, and community banks continued to experience growth in demand … Continue reading Major Economic Events Shape The Fed