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Mortgage Research Center, LLC - NMLS #1907. Not available in NY.
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 * Rates
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 * Economy
 * Calculators

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MORTGAGE RESEARCH CENTER


TOP HEADLINES FROM


HOW TO REFINANCE A MORTGAGE WITH BAD CREDIT

Refinancing is easier than buying a home, but can still be a challenge with a
low credit score. Best programs and strategies for poor credit refinancing.

by Tim Lucas in Credit
February 1, 2024 10 MIN


SHOULD YOU EVER REFINANCE INTO AN ADJUSTABLE RATE MORTGAGE?

Converting your fixed rate into an ARM isn't as crazy as it sounds. Why now is a
good time to consider it.

by Tim Lucas in Home Loans
January 31, 2024 4 MIN


IS IT WORTH REFINANCING TO SAVE $50, $100, OR $200 A MONTH?

How much should you save with a refinance to make it worthwhile? Is it $50,
$100, or $200 a month, or more?

by Tim Lucas in Home Loans
January 30, 2024 9 MIN


NEARLY 4% OF MORTGAGE VOLUME GOES TO SUB-620-CREDIT BORROWERS. HOW TO QUALIFY
WITH LOWER CREDIT

According to the New York Federal Reserve, 3.8% of mortgage dollar volume was
lent to borrowers with credit scores below 620 in the third quarter of 2023. How
to set yourself up for the best chances of approval.

by Tim Lucas in Credit
January 29, 2024 4 MIN


OPINION


OPINION: THE UPSIDE OF PRIVATE MORTGAGE INSURANCE FOR BUYERS LACKING A 20% DOWN
PAYMENT

Private mortgage insurance, or PMI, is likely the least understood aspect of
homebuying.

by Tim Lucas in Opinion
November 12, 2022 7 MIN


GUEST COMMENTARY: HOW FANNIE MAE’S LIHTC SUPPORTS AFFORDABLE HOUSING

Far Rockaway Village in New York is the kind of housing Fannie Mae wants to
invest more in: Homes that low-income people can afford in their own
neighborhood.

by DANA BROWN in Opinion
November 10, 2021 4 MIN


OPINION: WAS THE SHIFT OF HOUSING DEMAND TO THE SUBURBS REAL?

Construction data shows outlying counties of smaller metro areas experienced a
20.7% growth rate. Somewhat more dense small metro core areas posted a smaller
15.7% annual growth rate.

by ROBERT DIETZ in Opinion
October 22, 2021 2 MIN


MARKET SNAPSHOT


DAILY RATES

Avg. of rates locked on February 1, 2024

30-YR. CONFORMING

6.497% -0.031

30-YR. FHA

6.34% -0.03

30-YR. VA

5.956% -0.135


RATE TRENDS

How MRC Rate Tracking Works


RATES


DOES THE FED CONTROL MORTGAGE RATES?

One of the biggest misconceptions in finance and real estate is that the Federal
Reserve “sets” mortgage rates. Here's what really determines them.

by Tim Lucas in Rates
January 25, 2024 4 MIN


LARGE MORTGAGE RATE SPREAD COSTS HOMEBUYERS AN ADDITIONAL $168 PER MONTH. WHAT'S
GOING ON?

Mortgage rates are supposed to follow the 10-year Treasury. What's going on with
the huge spread between them?

by Tim Lucas in Rates
January 23, 2024 4 MIN


ECONOMY


IS IT RISKY TO BUY A HOME BEFORE A RECESSION?

Whether mortgage rates decline or by how much remains unknown and depends
largely on how many hikes the Fed will make in its drive to curb high inflation.

by Ellen Chang in Economy
October 1, 2022 6 MIN


NEW-HOME CONSTRUCTION SNAPS LOSING STREAK, SIGNALING MORE SUPPLY FOR SPRING
MARKET

“A surprising bounce back in new-home construction is welcome,” said Lawrence
Yun, chief economist of the National Association of Realtors.

by Kathleen Howley in Economy
September 20, 2022 5 MIN


HOME LOANS


GETTING A MORTGAGE AT ANY AGE: APPLICANTS 70+ RECEIVE 5% OF MORTGAGE VOLUME

If you’re 70, 80, or even 90 years old, you might wonder if you can get a
mortgage. Yes, thanks to strong credit access laws.

by Tim Lucas in Home Loans
January 28, 2024 4 MIN


HOW LONG DOES A REFINANCE TAKE? 8 WAYS TO SPEED UP YOUR REFI

Refinancing can take time, especially as rates drop and lenders get busier. How
to get it done faster.

by Tim Lucas in Home Loans
January 26, 2024 6 MIN


CREDIT


HOW TO CORRECT CREDIT REPORT ERRORS BEFORE APPLYING FOR A MORTGAGE

Don't wait until you find your dream house to check your credit reports for
errors.

by Tim Lucas in Credit
November 11, 2022 6 MIN


HOW MUCH A GREAT CREDIT SCORES CAN SAVE YOU ON A MORTGAGE

Having a good credit score gets you a better mortgage interest rate, lower fees
and, if you have less than a 20% down payment, cheaper PMI.

by Karon Warren in Credit
October 27, 2022 5 MIN


FEATURED GUIDES


FHA LOANS: THE COMPREHENSIVE GUIDE

Government-backed FHA loans make home ownership more accessible to first-time
and repeat homebuyers needing a low down payment.

Read Guide Now »


HOW TO REFINANCE YOUR HOME

Refinancing your mortgage replaces your existing home loan with a new one.

Read Guide Now »


COMPREHENSIVE GUIDE TO THE USDA HOME LOAN

Government-backed USDA loans make rural and low-income home ownership more
accessible.

Read Guide Now »


TIPS AND TRICKS FOR SELLING YOUR HOME

Here's what you need to know when it's time to move on to a new home.

Read Guide Now »


GUIDE TO VA HOME LOANS

While they’re a mortgage product, VA loans are also a job benefit for those who
have served our country.

Read Guide Now »


HELPFUL CALCULATORS


CONVENTIONAL LOAN CALCULATOR

Calculate Monthly Payment »


FHA LOAN CALCULATOR

Calculate Monthly Payment »


VA LOAN CALCULATOR

Calculate Monthly Payment »


USDA LOAN CALCULATOR

Calculate Monthly Payment »

Mortgage Research Center, LLC. NMLS #1907
(www.nmlsconsumeraccess.org)

Equal Housing Opportunity.

1400 Forum Blvd. Ste. 18
Columbia, MO 65203

Guides

 * FHA Loans: The Comprehensive Guide
 * How to Refinance Your Home
 * Comprehensive Guide to the USDA Home Loan
 * Tips and Tricks for Selling Your Home

Tools

 * Conventional Loan Calculator
 * VA Loan Calculator
 * FHA Loan Calculator
 * USDA Loan Calculator

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