Introduction In the week ending July 31, 2025, a slim measure of relief arrived for homebuyers nationwide. According to Freddie Mac, 30‑year fixed mortgage rates dropped from 6.74% to 6.72%, while the 15‑year rate eased to 5.85% from 5.87%—a small retreat, but meaningful in a housing market still reeling from prolonged rate pressure. These shifts … Read more
Introduction The mortgage landscape is undergoing a pivotal transformation. In 2025, a groundbreaking directive was issued by the Federal Housing Finance Agency (FHFA), potentially redefining how wealth is measured in mortgage underwriting. For the first time, cryptocurrency holdings—such as Bitcoin or Ethereum—may soon be considered valid assets for borrowers applying for federally backed mortgages. This … Read more
Introduction Mortgage Rates Edge Up – Mortgage rates in the United States have once again ticked upward, ending a five-week streak of declines. According to mortgage buyer Freddie Mac, the average rate on a 30-year fixed mortgage has increased to 6.72%, up from 6.67% the previous week. Likewise, 15-year mortgage rates have climbed to 5.86% … Read more