The Mortgage Reports

Established in 2004, The Mortgage Reports emerged as one of the internet's pioneering mortgage blogs. Originally created as a platform for a loan officer to promote their business, it quickly gained recognition for its detailed insights into mortgage and real estate topics, particularly highlighting their relevance to everyday home buyers. Unlike conventional finance websites, The Mortgage Reports prioritized practical information tailored for regular consumers rather than industry experts. Over the years, it attracted millions of readers annually. In 2014, the site was acquired by Full Beaker, Inc., a media company dedicated to serving consumers, and they continue to oversee its operations today.

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Fed Holds Rates in June. Will Mortgage Rates Fall?

1 week ago | themortgagereports.com | Paul Centopani

The Federal Reserve kept the federal funds target range steady at its June meeting, continuing the wait-and-see approach. With the annualized pace of inflation ticking back up in May and the Trump Administration sowing instability domestically and abroad, the central bank determined now isn’t the time.
HELOC on a Paid-Off House: Can I Get One?

1 week ago | themortgagereports.com | Peter Warden

It’s normal to wonder whether you can get a HELOC on a house that’s already paid off. After all, HELOCs and home equity loans are often called second mortgages—so how can you get one if there’s no first mortgage in place? The good news: you can. In fact, getting a HELOC on a paid-off home is often simpler because you have 100% equity to borrow from. Balances on HELOCs rose by $6 billion just in the first three months of 2025, according to the Federal Reserve Bank of New York.
Will Rates Get Cut at the June Fed Meeting?

2 weeks ago | themortgagereports.com | Paul Centopani

Will mortgage rates rise after the Fed meets? The Federal Reserve will hold its next Open Market Committee meeting on June 17-18. Will it come with another rate cut? Or will the committee keep rates steady (or possibly even raise them)? The annualized inflation rate remains above the Fed’s long-term goal of 2%, but most recently increased to 2.4% in May from 2.3% in April. At its three previous meetings, the central bank held rates steady in January, March, and again in May.
Struggling with a Down Payment? Here's Some Expert Advice

2 weeks ago | themortgagereports.com | Paul Centopani

Scraping and saving for a down payment on a house presents one of the biggest challenges to potential borrowers. The current affordability crisis makes this especially difficult, and that’s before factoring in the financial and economic uncertainties facing us all. However, leveraging down payment assistance (DPA) could help you clear those hurdles. Two experts give their DPA tips and advice to help turn prospective home buyers into homeowners. Answers have been edited for brevity and clarity.
Homebuying in Uncertain Times: Expert Q&A

2 weeks ago | themortgagereports.com | Paul Centopani

With mortgage rates stubbornly remaining higher for longer than anticipated and inventory still rebounding, first-time home buyers are having trouble in 2025. Flexibility and preparation can help you stand out in a crowd of buyers, while being “clear-headed and well-informed tend to win more often than not,” according to Atlas Real Estate’s Tony Julianelle.
Senior Housing Shortage Is Hurting First-Time Home Buyers

1 month ago | themortgagereports.com | Peter Warden

Suppose you’re a younger first-time homebuyer, finally ready to enter the market — only to find few, if any, homes available. You might be facing a surprising culprit: the senior housing shortage. How does that affect you? Picture your local housing market as a ladder, and you're trying to step onto the first rung. The problem is, that rung is crowded with people who want to move up — but can’t, because the rungs above them are also full.
Fed Holds Rates in May. Will Mortgage Rates Fall?

1 month ago | themortgagereports.com | Paul Centopani

Fed decides to hold in MayAlthough widely anticipated, the Federal Reserve didn't change the federal funds target range at its May meeting. With the annualized pace of inflation still above its long-term goal of 2% and the Trump Administration's power consolidation causing social and economic turmoil, the central bank continued the wait-and-see approach.
Will Rates Get Cut at the March Fed Meeting?

1 month ago | themortgagereports.com | Paul Centopani

Will mortgage rates rise after the Fed meets? The Federal Reserve will hold its next Open Market Committee meeting on May 6-7. Will it come with another rate cut? Or will the committee keep rates steady (or possibly even raise them)? The annualized inflation rate remains above the Fed's long-term goal of 2%, but most recently decreased to 2.4% in March from 2.8% in February and 3% in January.
Homebuilding and Housing Affordability

1 month ago | themortgagereports.com | Paul Centopani

Home building and affordability across the United StatesAlthough for-sale inventory is rebounding, there's still a large gap between supply and demand. Aspiring home buyers struggle with too few options, especially at the lower end of the market. A report from Realtor.com graded the entire country on how effectively those issues are being addressed. See how every state measured up.
How Energy Bills Are Changing Homeownership Goals

2 months ago | themortgagereports.com | Erik Martin

Everything today seems to cost more than it did recently. That’s especially true considering lingering inflation concerns and on-again/off-again tariffs in the news. And it certainly applies to utility expenses, with many feeling the pinch from higher bills for electricity, gas, and water.