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The Latest Breaking News from Freddie Mac

Pay off your mortgage early only if your rate clears this break-even

Every extra dollar you send to mortgage principal earns exactly your mortgage rate. Guaranteed, no market risk, no statement to check. So the question isn’t “pay it off or invest?” in the abstract. It’s whether your rate beats what a safe investment pays after tax, and right now the answer…

Thousandaire · Oct 23

Trump Targets Mortgage Insurance Bills: Who Could Qualify for His New Housing Plan?

Donald Trump's executive order directs a pilot programme for mortgage insurance cancellation based on home equity, while seeking lower refinancing costs and interest rates for eligible borrowers.

International Business Times UK · Oct 23

Mortgage Rates Hit 7.4%—How Much More House Can $100,000 Buy at Yesterday’s Rates?Mortgage Rates Hit 7.4%—How Much More House Can $100,000 Buy at Yesterday’s Rates?

Earning $100,000 a year used to sound like a comfortable ticket into homeownership, but today’s mortgage market is making even six-figure earners reconsider what they...

Saving Advice · Oct 21

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Dave Ramsey Says He’d ‘Rather Have $5,000 on a Credit Card Than a Mortgage You Can’t Afford,’ Warns to Sell If You’re Paying $2,090 a Month on $4,200 Income

Ramsey's rule caps a house payment at 25% of take-home income.

Barchart · Oct 12

Trump Promised $2 Gas and 2% Mortgages, but Fuel Is Up 47% and Rates Hit 7.28%

Trump's promises of $2 gasoline and 2 per cent mortgages remain unmet as US petrol prices rise 47 per cent since February and mortgage rates reach 7.40 per cent.

International Business Times UK · Oct 12

Facing a 7% Mortgage? Here's how family loans could help buyers avoid high mortgage interest and unlock valuable tax savings

Mortgage rates are stuck above 7%. Waiting sounds smart, but rising home prices could quickly erase any rate savings. That is why some families are taking matters into their own hands. Parents lend money directly to their kids. Buyers get lower payments, parents earn interest, and both cut tax bills.

The Economic Times · Oct 8

Is House Hacking Worth It at 7% Mortgage Rates? Run This Test Instead

The average 30-year fixed mortgage rate hit 7.28% last week, up from 6.34% a year earlier [1]. If you’ve been eyeing a duplex, you’ve probably already heard the verdict: house hacking is dead, the numbers don’t cash flow anymore.

Thousandaire · Oct 8

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The Bond Market Doesn't Trust the Treasury

To judge from rising 10-year interest rates, the bond market doesn't seem to expect Trump to bring inflation or spending under control.

Reason · Oct 5

Mortgage Rates Are Over 7%-Here’s How You Can Still Afford That House

Mortgage rates have pushed back above 7%, making the price tag on a house only part of the affordability problem. Freddie Mac reported a 7.28% average for a 30-year fixed mortgage on October 1, up from 7.03% the previous week.

The Free Financial Advisor · Oct 3

The Mortgage Market Is Sending Two Opposite Signals—Here’s What Buyers Should Know

Mortgage lending is picking up, yet getting a mortgage has not necessarily become easier. That contradiction sits at the center of the housing market right now.

The Free Financial Advisor · Sep 30

Mortgage rates today September 25: 30-year rises above 7.4%, 15-year climbs to 6.647% - here’s what borrowers need to know and why mortgage rates are going higher

Mortgage rates today September 25: Mortgage rates have risen significantly, with the average 30-year purchase mortgage now standing at 7.477%. This increase in rates is largely attributed to elevated Treasury yields and ongoing Federal Reserve policy expectations. Refinance rates have also been impacted, reaching 7.588% for a 30-year refinance mortgage.

The Economic Times · Sep 25

US mortgage rates top 7% for first time in 20 months

Increase comes after Fed decision to raise interest rates, as Americans struggle with high prices and stagnant wages

The Guardian - US · Sep 24

Mortgage Rates Just Hit a 15-Month High — What Does 6.76% Actually Cost on a $400,000 House?

A mortgage rate that moves by a few tenths of a percentage point may not sound dramatic, but on a $400,000 house, the difference can follow a buyer for decades. For buyers trying to decide whether they can afford a home this fall, the more useful question is what those…

Everybody Loves Your Money · Sep 22

Mortgage Rates Are Near 7% Again — Here’s What That Does to a $400,000 Home Payment

For Americans hoping to buy a home this fall, the math just became uncomfortable again. Mortgage rates near 7% can turn a seemingly manageable $400,000 purchase into a substantially larger monthly obligation than buyers might expect. Freddie Mac reported that the average 30-year fixed mortgage reached 6.95% for the week…

Everybody Loves Your Money · Sep 19

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The Independent UK · Sep 17

Struggling US home buyers, and market, face new hurdles as mortgage rates near 7%

Mortgage buyer Freddie Mac's latest snapshot of mortgage rates is due out later Thursday and expected to show that the average rate for a 30-year mortgage rose again this week, moving closer to 7%

Everybody Loves Your Money · Sep 16

Buyers Are Flocking to This $270,000 Housing Market — And It’s Not in the Sun Belt

For years, homebuyers chasing affordability seemed to follow the same map: Texas, Florida, Arizona, and other fast-growing Sun Belt states. But one of America’s hottest housing markets is now hundreds of miles north, where buyers can still find homes at prices well below the national norm.

Barchart · Sep 10

Scott Bessent Thinks Norway May Trade Treasuries for Assets Like Fannie Mae. What That Actually Means for FNMA Stock.

Scott Bessent suggested Norway may swap Treasuries for assets like Fannie Mae as Norges Bank proposed cutting government bonds from 70% to 50% of its benchmark, potentially selling $75–80 billion of U.S. Treasuries.

International Business Times UK · Sep 9

A 4.75% Mortgage Is Hard to Give Up, but Keeping the House After Divorce Could Cost You More

Homeowners going through divorce may be able to keep a low-rate mortgage, but advisers say affordability, equity, and future costs matter more than interest rates.

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Everybody Loves Your Money · Sep 7

Buying a House With an HOA? Read These 7 Things Before You Make an Offer

An HOA can give a neighborhood tidy landscaping, shared amenities, and a set of rules that keep the place from turning into a free-for-all. It can also add another monthly bill, restrict what homeowners can do with their property, and potentially hit owners with special assessments when the association needs…

The Free Financial Advisor · Sep 4

8 Credit Score Levels Lenders Are Flagging as Higher-Risk for Mortgage Approval

A credit score is a tiny number with an enormous amount of power, especially when a mortgage application lands on a lender’s desk. A score does not tell the whole story, but it can quickly signal how much credit risk a borrower might represent. The lower the score, the more…

Everybody Loves Your Money · Aug 30

Your 3% Mortgage Is Saving You Money — But Is It Also Keeping You Trapped?

Your 3% mortgage may rank among the best financial deals sitting in your life right now. With the average 30-year fixed mortgage rate reaching 6.65% on August 20, 2026, according to Freddie Mac, replacing a 3% loan with a new mortgage could make the monthly payment jump sharply.

Benzinga · Jul 31

US Mortgage Rates Hit Highest Level in a Year as Fed Uncertainty and Iran Tensions Loom

U.S. mortgage rates climbed to their highest level in a year, with the average rate on a 30-year fixed mortgage rising to 6.66% for the week ending July 30, according to Freddie Mac’s Primary Mortgage Market Survey released Thursday.

The Independent UK · Jul 30

Average 30-year US mortgage rate rises to highest level in a year at 6.66%

The average long-term U.S. mortgage rate rose for the fourth consecutive week to its highest level in a year, another setback for prospective homebuyers hoping for a break from elevated home loan borrowing costs

The Independent UK · Jul 16

US sees 30-year fixed-rate mortgages climb to highest level in nearly a year

Rates have been on an upward trend this year, largely due to the war with Iran, which has sharply driven up crude oil prices and fueled expectations of hotter inflation

The Free Financial Advisor · Jul 9

Mortgage Rates Are Stuck in the Mid-6s for 2026 — Should You Buy Now or Keep Waiting?

Mortgage rates are refusing to disappear from the homebuying conversation in 2026. As of early July 2026, Freddie Mac reported the average 30-year fixed mortgage rate at 6.49%, reinforcing what many buyers have experienced throughout the year: rates remain well above the record lows of 2020 and 2021 but have…

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