Mortgage Rate & Refinance Window Watch

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.