Beginning Jan. 1, 2027, the FHA is changing its credit score rules. And that could help millions who can't currently qualify for a mortgage.
Non-QM lending is growing faster than the overall purchase mortgage market. See which 25 housing markets had the most non-QM loan originations.
Homeowners can save tens of thousands of dollars and pay off their mortgages years early by making 13 payments a year. Here’s when that strategy makes sense and when it doesn’t.
ARM lending climbed in 2025. These mortgage companies originated the most adjustable-rate purchase loans.
Today’s ARM borrowers have higher credit scores, higher incomes, and lower LTVs than fixed-rate borrowers, showing how much adjustable-rate mortgages have changed since the 2000s.
Americans are still spending even as debt levels rise. Meanwhile, homeowners now have record levels of equity that could provide a lower-cost way to consolidate debt.
Adjustable-rate mortgages are making a comeback as fixed rates remain high. See which U.S. metros had the most ARM originations in 2025.
Inheritors' rights are clear. But some lenders try to force beneficiaries to refinance mortgages that they are entitled to keep at the existing low rate.
The federal government recently issued guidance reminding lenders of the risks of lending to potentially unauthorized workers.
Many recent homebuyers planned to refinance when mortgage rates fell. Now, stubbornly high rates are forcing drastic measures.
VA loan volume increased 29% annually in Q2 2026. See which lenders led the purchase, IRRRL, cash-out refinance, and overall markets.
Nearly 93,000 vacation home mortgages were originated in 2025, up 3.9% from a year earlier. See which metro areas attracted the most second-home buyers.
Which states depend most on USDA home loans? Mortgage Research Network analyzed HMDA data to rank every state by USDA mortgage share.
Nearly 2 million homeowners refinanced in 2025. See which lenders originated the most refinance loans, based on the latest HMDA data.
Artificial intelligence (AI) may be adding upward pressure to mortgage rates. And that pressure could continue for years.
Parts of the U.S. economy have real vulnerabilities. But that doesn’t necessarily mean mortgage rates are headed sharply higher.
Fannie Mae reportedly dismissed roughly a dozen senior officials in a sudden leadership shakeup. Here’s what it could mean for mortgage rates, availability, and market stability.
The buy-now-pay-later app you once used for luxuries may now let you pay your mortgage, rent, or utilities.
