The Mortgage Reports

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Low income doesn’t automatically mean your home equity is off limits. 🏠Lenders may look at more than just your paycheck ...
09/03/2026

Low income doesn’t automatically mean your home equity is off limits. 🏠
Lenders may look at more than just your paycheck when deciding whether you qualify, including your debt, credit, available equity, assets, and other income sources.

But qualifying for a home equity loan and deciding whether you should take one out are two very different things.

💬 Comment “ARTICLE” and we’ll DM you the full breakdown.

Behind on your VA mortgage? There may be a new option worth knowing about. 🏠🇺🇸The new VA Partial Claim Program could hel...
09/03/2026

Behind on your VA mortgage? There may be a new option worth knowing about. 🏠🇺🇸

The new VA Partial Claim Program could help eligible borrowers catch up on missed payments without adding another monthly payment — but there are some important details and deadlines to know.

💬 Comment “ARTICLE” and we’ll send you the full breakdown!

Mortgage rates are down for the second week in a row 📉The 30-year fixed fell to 6.65%, while the 15-year dipped to 5.95%...
08/24/2026

Mortgage rates are down for the second week in a row 📉

The 30-year fixed fell to 6.65%, while the 15-year dipped to 5.95%. It’s a small move, but a welcome one for buyers watching affordability.
Will the downward trend continue? 👀

Follow The Mortgage Reports for weekly rate updates and what they mean for you.

Think your income is too low to tap into your home equity? You might have more options than you think. 🏡Income matters, ...
08/24/2026

Think your income is too low to tap into your home equity? You might have more options than you think. 🏡
Income matters, but lenders also consider your debt, available equity, credit, and overall ability to repay.

💬 Comment ARTICLE and we’ll send you the full article.

Could a cooling job market finally mean lower mortgage rates? 👀The latest jobs report shifted expectations for the Fed, ...
08/24/2026

Could a cooling job market finally mean lower mortgage rates? 👀
The latest jobs report shifted expectations for the Fed, but buyers waiting for a major drop in rates may want to look at the bigger picture.

💬 Comment ARTICLE and we’ll send you the full breakdown.

Mortgage rates were mixed this week 📊The 30-year fixed edged up to 6.69%, while the 15-year fixed dipped to 6.01%.Small ...
08/11/2026

Mortgage rates were mixed this week 📊

The 30-year fixed edged up to 6.69%, while the 15-year fixed dipped to 6.01%.

Small week-to-week changes like these may not dramatically shift the market, but they can still affect monthly payments, purchasing power, and refinancing decisions.

🏡 Buying, selling, or thinking about refinancing? Staying informed can help you make sense of what changing rates could mean for your next move.

Want to dig deeper? Visit our website for the latest mortgage rate insights and housing market updates.

Your lender says you’re getting a competitive HELOC rate, but how would you actually know? Unlike fixed-rate mortgages w...
04/30/2026

Your lender says you’re getting a competitive HELOC rate, but how would you actually know? Unlike fixed-rate mortgages where you can easily compare APRs, HELOC pricing involves moving parts that make it harder to tell whether you’re getting a fair deal.

The answer comes down to one number most borrowers overlook: your margin. This guide breaks down how HELOC rates are calculated, what margins are competitive for different credit profiles, and the specific red flags that signal you might be paying too much.

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The core difference is simple but significant. A reverse mortgage eliminates monthly loan payments entirely, while a HEL...
04/29/2026

The core difference is simple but significant. A reverse mortgage eliminates monthly loan payments entirely, while a HELOC requires them. This article breaks down how each option works, who qualifies, and which one makes more sense based on your income, goals, and plans for staying in your home.

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Average home equity loan rates currently range from roughly 7.20% to 8.00% depending on the loan term and product type, ...
04/28/2026

Average home equity loan rates currently range from roughly 7.20% to 8.00% depending on the loan term and product type, according to national surveys from Curinos and Bankrate. Rates are based on borrowers with a minimum credit score of 780 and a combined loan-to-value ratio (CLTV) below 70%.

Borrowers with strong credit profiles can do significantly better, with some qualifying for offers closer to 6.50%. That spread is exactly why shopping around matters.

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Your actual limit depends on factors like your credit score, income, and which lender you choose. Below, we’ll walk thro...
04/27/2026

Your actual limit depends on factors like your credit score, income, and which lender you choose. Below, we’ll walk through how to calculate your borrowing power, what affects your approved amount, and how to maximize what you can get.

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