Mortgage news, minus the noise.
What’s moving in housing and lending, and what it means if you’re buying, refinancing, or tapping your equity.
Refinance Applications Fall to Less Than Half of Last Year's Pace as MBA Says Few Owners Have a Reason to Refinance
With most homeowners holding rates below today's market, the refinances still getting done tend to turn on goals other than a lower rate.
Rutherford County Inventory Climbs to 1,689 Homes as September Closings Fall 12% and Average Price Slips 5.5%
Murfreesboro-area sellers face more competition and buyers gain room to negotiate, though concessions may be doing some of the work that list prices show.
Market UpdateWednesday, October 7, 2026: Daily Mortgage Market Update — Rates Edge Higher as Strong 10-Year Auction Erases Most of Early Jump
The 10-year Treasury yield touched its highest level since 2002 before a well-bid $39 billion auction pulled it back, leaving the average 30-year fixed index only slightly higher as Fed minutes pointed to another possible hike by year-end.
GuidesHow an Adjustable-Rate Mortgage Resets, and Why ICE Says 2020's Seven-Year ARMs Face the Biggest Jumps
ARM demand is at a nearly four-year high, but the index, margin and caps written into a loan decide how much a payment can move once the introductory period ends.
BuyingRecord Share of Sellers Cut Prices for the Season as Redfin Says Sellers Now Outnumber Buyers by 58%
Research cited by Fortune suggests sellers discount for certainty, a point financed buyers can address as negotiating leverage grows.
Local MarketsWilliamson County Slides Into a Balanced Market as Housing Supply Climbs From Four Months to 5.3 Since June
Preliminary Realtracs figures show Franklin and Brentwood loosening fastest among Middle Tennessee's large counties, while Wilson and Sumner remain the region's tightest markets.
Market UpdateTuesday, October 6, 2026: Daily Mortgage Market Update — Rates Ease as Treasuries Rebound From Multi-Decade Highs
The 10-year Treasury yield pulled back from Monday's highest close since 2002 and the average 30-year fixed index posted a rare daily decline, as a three-year note auction drew mixed demand and the trade deficit widened.
GuidesHalf of Borrowers Now Pay Discount Points: How Buying Down a Mortgage Rate Works
The share of borrowers paying points reached its highest level since early 2025 in August, ICE reports. Whether the upfront cost pays off depends largely on how long the loan is kept.
BuyingWould-Be Buyers Name a 4.6% Mortgage Rate as Their Trigger, Well Below Today's Market
A Cotality survey finds a growing share of future buyers waiting on a specific rate, while the firm's chief economist argues the cost of waiting can outrun the savings.
Market UpdateMonday, October 5, 2026: Daily Mortgage Market Update — Rates Firm as 10-Year Yield Hits Highest Since 2002
The 10-year Treasury yield closed at its highest level since 2002 and the average 30-year fixed lock nudged to another recent high, even as a services report landed close to forecasts.
GuidesWhy a Fixed-Rate Mortgage Payment Can Still Rise: Insurance, Taxes and Escrow Shortages Explained
Insurance now makes up nearly a tenth of the average mortgage payment, according to ICE, and industry data show most escrow accounts are running short this year.
RefinancingRefinance Applications Fall to Slowest Pace Since 2025 as Borrowers Turn to Adjustable-Rate Loans
Mortgage Bankers Association data show refinance demand 56% below a year ago, while adjustable-rate mortgages claimed their largest share of applications in nearly a year.
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