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Mortgage Research Center, LLC - NMLS #1907. Not available in NY.
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MORTGAGE RESEARCH CENTER


TOP HEADLINES FROM


NAVIGATING A 40-YEAR MORTGAGE: PROS AND CONS

The 40-year mortgage can lower your monthly payments, but it increases your
overall interest costs. Is this loan a good idea, and where do you find one?

by Sean Bryant in Home Loans
22 hours ago 7 MIN


A GUIDE TO PURCHASE MONEY MORTGAGES: PROS, CONS, AND TYPES

If you have below-average credit, a high debt-to-income ratio, or a small down
payment, getting...

by Sean Bryant in Home Loans
October 8, 2024 6 MIN


HOW FHA UPFRONT MORTGAGE INSURANCE PREMIUMS (UFMIP) BENEFIT YOU

FHA UFMIP might seem like a large expense with no benefit. But here's how it can
make you a homeowner decades sooner.

by Peter Warden in Home Loans
October 7, 2024 6 MIN


USDA LOAN MINIMUM CREDIT SCORE & CREDIT REQUIREMENTS 2025

You don't need perfect credit for a USDA loan. Here's how low your credit can be
and still be considered for approval.

by Sean Bryant in Home Loans
October 7, 2024 7 MIN


ECONOMY


TELL ME THE TRUTH. ARE WE IN A HOUSING BUBBLE?

Americans fear housing bubbles for good reason: the last bubble nearly unraveled
the global economy. Are we in another one or is everything A-OK?

by Nathan Golden in Economy
September 30, 2024 7 MIN


HOUSING INVENTORY FINALLY CROSSES 2020 LEVELS. TIME TO BUY BEFORE PRICES RISE?

Housing inventory is hitting 4-year highs. Higher mortgage rates have gone from
a curse to a blessing. Is it time to buy?

by Peter Warden in Economy
July 23, 2024 5 MIN


‘DATING THE RATE’ HAS TURNED INTO A SHOTGUN WEDDING

Homeowners hoped 2024 would help them break up with their mortgage rate, but a
recent report shows they should start thinking about a long-term relationship.

by Tim Lucas in Economy
April 26, 2024 6 MIN


MARKET SNAPSHOT


DAILY RATES

Avg. of rates locked on October 8, 2024

30-YR. CONFORMING

6.371% 0.041

30-YR. FHA

6.075% 0.054

30-YR. VA

5.848% 0.011


RATE TRENDS

How MRC Rate Tracking Works


RATES


MORTGAGE RATES TODAY, OCT. 9, 2024: RATES PLATEAU BUT VOLATILITY RISK REMAINS

As markets get over last Friday's jobs report, they eye this Thursday's
inflation data. Volatility may not be over yet.

by Peter Warden in Rates
22 hours ago 3 MIN


FED ISSUES 0.50% RATE CUT, BIGGEST SINCE MARCH 2020

The Fed issued an anticipated rate cut, but it was bigger than many expected.
How mortgage rates are reacting.

by Tim Lucas in Rates
September 18, 2024 8 MIN


REAL ESTATE


10 CHEAPEST PLACES TO BUY A HOUSE IN ARIZONA

Despite record home price increases in the state, Arizona still offers
affordable pockets for buyers. Check these 10 affordable cities.

by Tim Lucas in Real Estate
September 26, 2024 6 MIN


HOW PROPERTY TAXES CAN MAKE OR BREAK HOME AFFORDABILITY

Home shoppers too often disregard how property taxes affect affordability.
Shopping for lower tax rates is as important as looking for the right home
features.

by Philippa Main in Real Estate
September 19, 2024 7 MIN


HOME LOANS


THE HUGE BENEFITS OF A USDA LOAN, PLUS SOME DRAWBACKS

The USDA loan is the only major zero-down mortgage available to non-military
homebuyers. While advantageous in lots of ways, they also come with
disadvantages.

by Tim Lucas in Home Loans
October 5, 2024 12 MIN


USDA RENOVATION LOANS: PURCHASE A HOME AND FUND IMPROVEMENTS

The USDA renovation loan can help you purchase a home and make repairs to a
fixer-upper all with one zero-down loan.

by Jonathan Davis in Home Loans
October 4, 2024 19 MIN


CREDIT


CAN YOU RAISE YOUR CREDIT SCORE BY 100 POINTS OVERNIGHT?

With some hard work, your credit score can skyrocket 100 points or more. Here's
what it might take.

by Tim Lucas in Credit
April 24, 2024 7 MIN


DOES GETTING PRE-APPROVED HURT YOUR CREDIT?

Many first-time buyers hesitate to get pre-approved because it could hurt their
credit. But now it's possible to get pre-approved without a hard credit inquiry.

by Tim Lucas in Credit
April 4, 2024 4 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

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

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