Recent Articles
Jan
12
2026
12
2026
Lock-in Effect: Something big just happened in the U.S. Housing Market
For the past few years, one phrase has dominated housing market conversations: the mortgage rate lock-in effect. Millions of homeowners secured ultra-low mortgage rates below 3% during the pandemic, creating a powerful disincentive to sell. Why give up a once-in-a-lifetime rate and...
For the past few years, one phrase has dominated housing market conversations: the mortgage rate lock-in effect. Millions of homeowners secured ultra-low mortgage rates below 3% during the pandemic, creating a powerful disincentive to sell. Why give up a once-in-a-lifetime rate and...
Dec
30
2025
30
2025
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
If the mortgage market felt unusually quiet over the holiday stretch, that’s because it was. The final weeks of December are known for “holiday trading,” which is when fewer people are actively buying and selling in the bond market. Since mortgage rates are driven by...
If the mortgage market felt unusually quiet over the holiday stretch, that’s because it was. The final weeks of December are known for “holiday trading,” which is when fewer people are actively buying and selling in the bond market. Since mortgage rates are driven by...
Dec
13
2022
13
2022
The Complete Guide to Mortgage Rates and How they Work.
The Complete Guide to MortgageRates and How They Work Introduction: What is a Mortgage Rate?A mortgage rate is a rate of interest charged by a bank on the money it lends to customers. The mortgage rate is set by the bank and based on the 10 year treasury yield, which...
The Complete Guide to MortgageRates and How They Work Introduction: What is a Mortgage Rate?A mortgage rate is a rate of interest charged by a bank on the money it lends to customers. The mortgage rate is set by the bank and based on the 10 year treasury yield, which...