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What is a Mortgage?

A mortgage represents a loan or lien on a property/house that has to be paid over a specified period of time. Think of it as your personal guarantee that you'll repay the money you've borrowed to buy your home.

Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. Make sure you select the mortgage that is right for you, your future plans, and your financial picture.

Mortgage News
Obvious Signs of Life in Mortgage Apps Thanks to Rate Rally
September 10 2025
Mortgage applications jumped 9.2% last week, according to the Mortgage Bankers Association’s survey for the week ending September 5, 2025. The results included an adjustment for the Labor Day holiday. “Mortgage rates declined for the second consecutive week as Treasury yields moved lower on data indicating that the labor market is weakening. The 30-year fixed rate decreased to 6.49 percent, down 20 basis points over the past two weeks to the lowest since October 2024,” said Joel Kan, MBA’s Vice President and Deputy Chief Economist. “The downward rate movement spurred the strongest week of borrower demand since 2022, with both purchase and refinance applications moving higher. Purchase applications increased to the highest level since July and continued to run more than 20 percent ahead of last year’s pace. There was also a pickup in ARM applications, both in terms of level and share, as ARM rates were considerably lower than fixed rate loans, which typically benefits homebuyers.” The Refinance Index rose 12% from the previous week and is 34% higher than the same week a year ago. The Purchase Index increased 7% on a seasonally adjusted basis and is now 23% higher than last year’s level. The refinance share of total mortgage applications increased to 48.8%. ARM share rose to 9.2%. FHA share decreased to 18.5%, while VA share climbed to 15.3%. Mortgage Rate Summary: 30yr Fixed: 6.49% (from 6.64%) | Points: 0.56 (from 0.59) 15yr Fixed: 5.70% (from 5.84%) | Points: 0.55 (from 0.84) Jumbo 30yr: 6.44% (from 6.58%) | Points: 0.48 (from 0.39) FHA: 6.27% (from 6.31%) | Points: 0.68 (from 0.74) 5/1 ARM: 5.77% (from 5.90%) | Points: 0.63 (from 0.34)
Refi Demand Improves While Purchase Applications Edge Lower
September 03 2025
Mortgage applications decreased modestly last week, with overall volume slipping 1.2%. The Mortgage Bankers Association’s weekly survey showed a decline in the seasonally adjusted Composite Index for the week ending August 29, 2025. “Mortgage rates declined last week, with the 30-year fixed rate falling to its lowest level since April at 6.64 percent. However, that was not enough to spark more application activity,” said Joel Kan, MBA’s Vice President and Deputy Chief Economist. “Refinance applications saw a small increase, driven by FHA and VA refinances, but conventional refinances declined. Purchase activity pulled back, after a four-week run of increases, as slower homebuying activity led to declines in applications across loan types.” The Refinance Index rose 1% from the previous week and is 20% higher than the same week a year ago. The Purchase Index decreased 3% on a seasonally adjusted basis but remains 17% above last year’s level. The refinance share of total mortgage applications increased to 46.9%. ARM share rose to 8.8%. FHA share moved up to 19.9%, while VA share climbed to 13.8%. Mortgage Rate Summary: 30yr Fixed: 6.64% (from 6.69%) | Points: 0.59 (from 0.60) 15yr Fixed: 5.84% (from 6.03%) | Points: 0.84 (from 0.77) Jumbo 30yr: 6.58% (from 6.67%) | Points: 0.39 (from 0.44) FHA: 6.31% (from 6.35%) | Points: 0.74 (from 0.80) 5/1 ARM: 5.90% (from 5.94%) | Points: 0.34 (from 0.68)