Trending mortgage rates
Where are mortgage rates now? Check out our weekly interest rate update to track the latest market rates.
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Category: Interest Rates
A closer look at the due-on clause
This article covers an owner’s use of property rights which allows a mortgage holder to capitalize on the due-on clause to extract further profit by calling the mortgage due and payable, or waiving the call to modify the interest rate and payment schedule at current market rates.
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The Federal Reserve’s impact on mortgage rates
Learn how the Fed is using their benchmark rate as a monetary policy tool
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(Re)introducing the due-on clause
This multimedia article explains when due-on clauses become used in the economic cycle and under which sale and leasing arrangements.
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30 years of summer, followed by 30 years of winter
Mortgage rates are on their way up.
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Buyer Purchasing Power Index flattens in Q3 2025
The California Buyer Purchasing Power Index (BPPI) tells us a homebuyer with the same income is able to borrow 1.47% less purchase-assist mortgage money than a year ago.
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Using the yield spread to forecast recession and recovery conditions
The yield spread indicates the likelihood of a recession or recovery one year forward.
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The force behind home price movement: buyer purchasing power
Find out what today’s buyer purchasing power means for tomorrow’s home prices in California.
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Buyer Purchasing Power Index (BPPI) hints at rising as home price adjustment sets in
Planning for the next several years in real estate transactions will require patience and a very different approach to the past decade of recovery economics driven by rate decreases.
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Interest rates 101
This article dives into how interest rates are structured, how lenders set the interest rate on a mortgage, and how rates affect property values.
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Despite Q4 2023 FRM rate slippage, Buyer Purchasing Power remains negative
Today’s homebuyer is limited to borrowing 9.7% less mortgage money than a year earlier due to higher interest rates alone.
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A consumer mortgage becomes a Section 32
A consumer-purpose mortgage origination secured by the borrower’s primary residence earns a Section 32 designation based on a three-step set of APR tests.
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Today’s homeowners are stuck on yesterday’s rates
Sticky homeowners are unwilling to relieve the inventory shortage in 2023.
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The news media has the wrong take on mortgage rates
Media pundits in their coverage of today’s high mortgage interest rates ignore the 60-year cycle of rising and falling mortgage rates and the seller’s pricing response to rising and falling rates.
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Press Release: Despite steady gains, Q2 2023 Buyer Purchasing Power Index still negative
The typical mortgaged homebuyer is able to borrow 11% less purchase-assist mortgage money than a year ago due to higher interest rates alone.
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The “right” interest rate is the market rate — higher than homebuyers think
Waiting for mortgage rates to drop to the “right” level is mental joy riding.
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Mortgage concepts: ARM caps
Learn how interest rates on ARMs are calculated during each adjustment period.
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Mortgage Concepts: The birth of the adjustable rate mortgage (ARM)
The face of the ARM has changed over the years, most markedly during the Millennium Boom of the mid-2000s.
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Press Release: Q1 2023 Buyer Purchasing Power Index down 23% from a year earlier
A homebuyer with the same income is able to borrow 23% less purchase-assist mortgage money than a year ago due to interest rate hikes alone.
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