HELOC
HELOC Lifetime Interest Rate Cap Requirements Under HOEPA (2026 Guide)
Federal law requires every HELOC to disclose a lifetime maximum APR. See what HOEPA and Reg Z require, how caps are set, and what to verify in 2026.
interest rates
Basics
Mortgage Rates Fall After Fed Holds
How the Fed decision translated to mortgage markets The Fed’s announcement that it would keep its policy rate unchanged removed one source of near‑term uncertainty, calming some financial markets. Mortgage rates, which are influenced more directly by longer‑term Treasury yields than by the overnight federal funds rate, often move when investors reassess growth and inflation […]
Basics
Refinance Applications Rebound After Recent Slide
What the MBA data indicates The MBA’s weekly applications index, a widely watched snapshot of lender activity, recorded an increase in refinance requests compared with the prior reporting period. The uptick reversed a short run of declines that had been driven by higher long-term yields and uneven economic data earlier this summer. Purchase applications remained […]
Basics
Rates Down as Fed Holds: August 8, 2025 Mortgage Refinance Update
Mortgage refinance rates dip after Fed holds policy rates — August 8, 2025 Mortgage refinance rates moved lower on Aug. 8 after the Federal Reserve left its policy interest rate unchanged, Bankrate reported. Lenders re‑priced mortgage products in response to the Fed decision and related bond market moves, giving some homeowners a narrower window to […]