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Daily 30-year, 15-year, FHA, VA and jumbo rate moves with the drivers, refinance break-even math for common rate pairs, lender rate sale and float-down promotions, rate buydown and lock policy changes, assumable mortgage rule and processing changes, Fed decision and bond market events on the calendar, rate lock extension fee changes, mortgage rate prediction releases from Fannie Mae, the MBA and NAR, closing cost and title fee rule changes and refinance scam alerts, with the rate or lender first and the monthly payment effect on a $400,000 loan.
A 0.5 point drop on a $400,000 loan is $130 a month and $47,000 over the life of the loan; a lender float-down promotion, a lock extension fee waiver, or an assumable loan rule each pay the membership on the first refinance, and the window can close in a week.
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Daily 30-year, 15-year, FHA, VA and jumbo rate moves with the drivers, refinance break-even math for common rate pairs, lender rate sale and float-down promotions, rate buydown and lock policy changes, assumable mortgage rule and processing changes, Fed decision and bond market events on the calendar, rate lock extension fee changes, mortgage rate prediction releases from Fannie Mae, the MBA and NAR, closing cost and title fee rule changes and refinance scam alerts, with the rate or lender first and the monthly payment effect on a $400,000 loan.
Track US mortgage rates and refinance opportunities. Report only confirmed, source-backed items from the last 30 hours: daily average rate moves of 0.1 points or more for 30-year, 15-year, FHA, VA, jumbo and ARM loans from Freddie Mac, Mortgage News Daily, Bankrate or Optimal Blue with the driver; refinance break-even math for common pairs such as 7.0 to 6.25 on a $400,000 loan; lender rate sales, float-down, buydown and credit promotions at Rocket, UWM, loanDepot, Chase, Wells Fargo, Bank of America, US Bank, Navy Federal, PenFed, Better and the other top 25 lenders; rate lock and extension policy changes; assumable mortgage rule and processing changes at FHA, VA and USDA; Fed meetings, jobs and inflation releases in the next 7 days that move rates; rate forecast releases from Fannie Mae, the MBA and NAR; closing cost, title insurance and appraisal fee rule changes; and refinance scam alerts. Prefer rate publishers, lender pages, Fannie Mae, Freddie Mac, the MBA, the Fed, the CFPB and established mortgage reporting; ignore lead-generation sites and rate predictions without a named source. Put the rate or lender first in the title with the monthly payment effect on a $400,000 loan. Use high severity for a move of 0.25 points or more in a week, a lender promotion with a closing window, or a rule change affecting most refinancers. Return no more than 5 findings. Push each as a finding with a title, a two-sentence summary, sections for what moved, the payment effect, who should act, the window, and the source link. If nothing qualifies, push nothing and submit the run receipt.
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