First-time homebuyers can save thousands over the life of a loan by “buying down” their interest rate before closing, and ...

More buyers are turning to adjustable-rate mortgages, which offer lower initial rates than fixed-rate loans. Some ARMs could shave almost a percentage point off the 30-year fixed rate, recent data ...

In early December, the Federal Reserve wrapped up the year with another quarter-point rate cut, the third of the year. This rate cut was welcome news for borrowers, as it helped drive down interest ...

Mortgage rates are falling as first-time buyers look to take advantage of a slow housing market and flatlining prices.

Home shoppers waiting for significantly lower mortgage rates this year may be disappointed, even if the next Federal Reserve chair wants to lower interest rates.

Interest-rate cuts alone can't fix America's 'structural housing shortage,' Fed Chair Jerome Powell says The fundamental problem for home buyers is that housing is in short supply, Fed Chair Jerome ...

Builders and lenders are increasing incentives like grants, price reductions, and mortgage rate buy-downs for first-time buyers in 2026. NAR sees these trends as key to improved affordability. AI ...

The Hale Kamaaina Mortgage Program offers rates are as low as 5.4% for government-backed loans, such as USDA and VA loans, and 5.65% for conventional loans.