April 11, 2026
30-yr fixed: 6.42%
Spring inventory finally cracks: 3 markets where buyers regain leverage
Active listings jumped 18% YoY in Phoenix, Tampa, and Boise — what it means for offers and contingencies.
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Recent issues
A taste of what lands in your inbox.
April 4, 2026
30-yr fixed: 6.49%
FOMC stays put — but the bond market doesn't agree
The Fed held rates steady, yet 10-year yields slipped 11 bps. Why mortgage rates moved opposite of expectations.
March 28, 2026
30-yr fixed: 6.55%
Refi window opens: who actually breaks even before 24 months
We ran the math for borrowers locked at 7.25%+. The break-even is shorter than most assume — three scenarios.
March 21, 2026
30-yr fixed: 6.61%
HELOC vs. cash-out refi: the spread tightens
Prime is holding, but cash-out spreads narrowed 40 bps this month. The decision flips for a lot of borrowers.
March 14, 2026
30-yr fixed: 6.58%
Self-employed borrowers: 2 underwriting changes worth knowing
Two major investors loosened P&L-only documentation guidelines. Here's who qualifies under the new rules.
March 7, 2026
30-yr fixed: 6.63%
First-time buyer programs you probably haven't heard of
State-level DPA programs are sitting on unspent funds. We mapped 7 in markets we lend in.