Mortgage rates have quietly decreased, now sitting below 6% and even lower for FHA loans. This means significantly more buying power compared to last year. If you've been waiting to buy, now is the time before spring competition heats up. #MortgageRates #RealEstate #InterestRates #HomeBuying
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Mortgage application activity edged ever-so-slightly higher last week, with the Mortgage Bankers Association (MBA) reporting an increase of 0.4% on a seasonally adjusted basis for the week ending February 20. Refi applications continue to do the heavy lifting. The Refinance Index increased 4% from the previous week and was 150% higher than the same week one year ago. Conventional refinance applications rose 5% for the week, while VA refinances jumped 26%, as rates declined to their lowest levels since September 2022. Notably, rates have moved even lower this week and have held these new multi-year lows in very stable fashion. If history is any guide, this should lead to an even higher refi index next week. Purchase demand moved lower, falling 5% on a seasonally adjusted basis, though activity remains 12% higher than the same week one year ago. Joel Kan, MBA’s Vice President and Deputy Chief Economist, attributed the modest increase in overall activity to declining Treasury yields, which helped push the 30-year fixed rate to its lowest level in several months. The composition of activity shifted further toward refinances. The refinance share of total applications increased to 58.6% from 57.4% the prior week, while ARM share held steady at 8.2% . FHA share decreased to 16.1% , VA share rose to 18.7% , and USDA share remained unchanged at 0.4% .
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Thirty-year mortgage rates effectively held steady this week at 6.201%, according to U.S. News data. That's a negligible difference from 6.2% last week.
What is an Adjustable Rate Mortgage (ARM) and why are more buyers considering one in today’s market?
An ARM typically offers a lower initial interest rate for a set period of time (like 5, 7, or 10 years), before adjusting based on market conditions. For buyers who don’t plan to stay in the home long-term — or who expect to refinance later — this can mean lower monthly payments upfront and increased flexibility.
In today’s rate environment, an ARM can be a strategic tool when used intentionally.
Curious if it makes sense for you?
📩 Reach out to the Hickman Lending Team and let’s talk through your options.
On Friday's broadcast of Newsmax TV's "Carl Higbie Frontline," former Trump Economic Adviser Stephen Moore said that he wants to see lower interest rates, | Clips...
/PRNewswire/ -- The capitalization rate holds significant importance for those investing in real estate, providing a tool to weigh various properties against...
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