Current market 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
Using the yield spread to forecast recessions and recoveries
The yield spread indicates the likelihood of a recession or recovery one year forward.
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Press Release: Q2 2021 Buyer Purchasing Power Index nears zero
The California Buyer Purchasing Power Index (BPPI) figure declined to +1.3 in June 2021.
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Downpayment Toward Equity Act proposes lifeline for disadvantaged homebuyers
Downpayment Toward Equity Act of 2021 One of President Joe Biden’s campaign promises was to help...
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No U-turn: liabilities to a seller in a breached purchase agreement
The 2020 recession and COVID-19 pandemic ushered in a wave of hasty home purchases from city...
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Are FHA-insured mortgages declining in popularity?
The dual crises of the COVID-19 pandemic and 2020 recession threatened a rise, if not surge, in...
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The source of 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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Press Release: Q1 2021 Buyer Purchasing Power Index declines with rising interest rates
The Buyer Purchasing Power Index (BPPI) was +5.2 in March 2021.
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Mortgage rates drive buyer purchasing power
How will home prices change over the next 20 years? The answer is in the Buyer Purchasing Power Index, which demonstrates how interest rate changes affect buyer funds, and in turn home pricing.
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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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The Federal Reserve’s impact on mortgage rates
Learn how the Fed uses their benchmark rate as a monetary policy tool to induce and restrain levels of borrowing.
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Rent-to-own sees dollar signs amid recession
First-time home shoppers are finding entry into California’s real estate market near impossible...
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Does a national bank on acquiring a mortgage originated by a federal savings association need to pay interest on an impound account?
McShannock v. JP Morgan Chase Bank
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Press Release: Q4 2020 Buyer Purchasing Power Index climbs to new heights as interest rates reach record lows
The BPPI was +13.4 at the end of Q4 2020.
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Refinances oppose interest rate movement
Refinances made up 79% of all mortgage originations in Q2 2020.
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How the Fed’s new policy stance impacts housing
The Fed’s new policies are a fun thought experiment, but what changes will they actually bring?
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Additional refinancing fees delayed
The Adverse Market Refinance Fee has been delayed until December 2020, and interest rates sigh in relief.
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Press Release: Q2 2020 Buyer Purchasing Power Index rises due to historically low interest rates
The Buyer Purchasing Power Index (BPPI) rose to +10.5 in the second quarter of 2020.
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ARM rates remain low, but not low enough
The average ARM rate has fallen back in 2020.
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Falling interest rates keep Buyer Purchasing Power Index positive in Q1 2020
California’s Buyer Purchasing Power Index (BPPI) was +8.9 in Q1 2020.
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