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Like other consumer rates, mortgage rates are impacted in large part by what's going on in the economy. The MBA forecast sees rates falling more aggressively, predicting that 30-year mortgage rates will drop to 5% by the end of 2024. This allowed mortgage rates to drop as low as they did, with 30-year mortgage rates reaching an all-time low of 2.65% in January 2021, according to Freddie Mac. Mortgage rates in 2024: FAQsWhat will mortgage rates do in 2024? Once the Federal Reserve stops hiking rates and inflation slows, all consumer interest rates, including mortgage rates, will likely start going down in 2024.

Persons: homebuyers, what's, Afifa Saburi, Fannie Mae's, Freddie Mac, Lawrence Yun, that's, Karen Kostiw, Coldwell Banker Warburg, refinance, Saburi Organizations: Service, Federal Reserve, Bureau of Labor Statistics, Veterans United, Loans, NAR, National Association of Realtors, CNBC, Federal Housing Finance Agency, Coldwell Banker, Mortgage, Association Locations: Wall, Silicon, New York City, Chevron

☆ US pending home sales rose in July for the second month in a row
▼ + stars: | 2023-08-30 | by ( Anna Bahney | ) edition.cnn.com time to read: +3 min

Washington, DC CNN —US pending home sales ticked up in July by 0.9%, rising for the second month in a row despite elevated prices and rising mortgage rates, according to a report released Wednesday by the National Association of Realtors. “However, rising mortgage rates and limited inventory have temporarily hindered the possibility of buying for many.”There was regional variation in pending home sales according to the index. Pending sales rose in the South, up 2% from June; and the West, which was up 6.2% from June. Affordability challenges expected to keep sales coolPending home sales or contract signings tend to lead existing home sales by roughly one to two months. Few homeowners with ultra-low mortgage rates of 3% or 4% are willing to sell their home and buy another one at 7%.

Persons: ”, Lawrence Yun, Jobs, ” Yun, “, Danielle Hale, ” Hale, Hale Organizations: DC CNN, National Association of Realtors, Realtor.com, Buyers, Mortgage, Association Locations: Washington

☆ If rates continue to rise, we will leave out renters from converting to ownership: NAR's Yun
▼ + stars: | 2023-08-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailIf rates continue to rise, we will leave out renters from converting to ownership: NAR's YunLawrence Yun, National Association of Realtors chief economist, joins 'Squawk on the Street' to discuss Yun's thoughts on Powell's Jackson Hole comments, inventory levels Yun has sight of, and much more.

Persons: NAR's Yun Lawrence Yun, Powell's Jackson, Yun Organizations: National Association of Realtors

☆ US existing home sales drop, but prices up from a year earlier
▼ + stars: | 2023-08-22 | by ( Safiyah Riddle | ) www.reuters.com time to read: +3 min

Sales fell in the Northeast, Midwest and South, but rose in the West. Home resales, which account for a big chunk of U.S. housing sales, fell 16.6% on a year-on-year basis in July. At July's sales pace, it would take 3.3 months to exhaust the current inventory of existing homes, up from 3.2 months a year ago. The median existing house price rose 1.9% from a year earlier to $406,700 in July, the fourth time it has topped $400,000. "Two factors are driving current sales activity - inventory availability and mortgage rates," said Lawrence Yun, the NAR's chief economist.

Persons: Sarah Silbiger, Freddie Mac, Lawrence Yun, Safiyah Riddle, Paul Simao Organizations: REUTERS, National Association of Realtors, Reuters, Federal, Thomson Locations: Washington , U.S, Northeast, Midwest

☆ Home sales fall again in July, as supply drops to near quarter-century low
▼ + stars: | 2023-08-22 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +3 min

Homes sold at the slowest July pace since 2010. This count is for closings, so contracts were likely signed in May and June, when mortgage rates went from around 6.5% to well over 7%. Sales fell month to month in all regions except the West, where they rose 2.7%. Roughly three-quarters of the homes sold were on the market for less than a month, indicating still strong demand. "The housing market is at a pivotal point as we head into fall," said Lisa Sturtevant, chief economist at Bright MLS, noting higher mortgage rates in particular.

Persons: it's, Lawrence Yun, Danielle Hale, Buyers, Lisa Sturtevant Organizations: National Association of Realtors, Homes, Realtor.com, Realtors, Federal Housing Administration, Bright MLS

☆ US home prices rose in July after 5 months of declines
▼ + stars: | 2023-08-22 | by ( Anna Bahney | ) edition.cnn.com time to read: +2 min

Washington, DC CNN —US home buyers have a new challenge in addition to mortgage rates above 7%: Prices are rising again, reversing five months of year-over-year declines, according to a National Association of Realtors report released Tuesday. Prices rose in the Northeast, Midwest and South but were unchanged in the West in July, the NAR report found. Current homeowners are refusing to sell and are hunkering down with their ultra-low mortgage rates that are at least half the current rates. Sales of existing homes — which include single-family homes, townhomes, condominiums and co-ops — dropped below expectations and were down 2.2% from June to July. “Two factors are driving current sales activity — inventory availability and mortgage rates,” said NAR chief economist Lawrence Yun.

Persons: —, ”, Lawrence Yun, Freddie Mac, Melissa Cohn Organizations: DC CNN, National Association of Realtors, NAR, ”, William, Mortgage Locations: Washington, Northeast, Midwest, West

☆ What mortgage rates over 7% mean for the housing market
▼ + stars: | 2023-08-20 | by ( Anna Bahney | ) edition.cnn.com time to read: +6 min

Washington, DC CNN —An already miserably unaffordable housing market is getting more expensive. As mortgage rates top 7% — the highest they’ve been in 21 years according to Freddie Mac — home buyers face ballooning costs. “The fact that we are seeing rates at these highs is having an impact on the housing market,” Freedman said. “That’s bad news for mortgage rates which correspondingly may rise to 8%,” he said. “We thought mortgage rates would be much lower by now,” she said.

Persons: Freddie Mac, “, ”, Bess Freedman, Brown Harris Stevens, Freedman, ” Freedman, Buyers, ” Lawrence Yun, Yun, Jessica Lautz, we’d, Melissa Cohn, Cohn, “ Banks, ” Cohn Organizations: DC CNN, Federal, National Association of Realtors, NAR, “, Fed, William, Mortgage, ” Fed, Treasury Locations: Washington

High mortgage rates this year have made it difficult for aspiring homebuyers to afford a house. See more mortgage rates on Zillow Real Estate on ZillowCurrent Refinance RatesMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-year Fixed Mortgage RatesThe current average 30-year fixed mortgage rate is 6.96%, according to Freddie Mac. 15-year Fixed Mortgage RatesThe average 15-year fixed mortgage rate is 6.34%, up nine points from the prior week, according to Freddie Mac data.

Persons: homebuyers, Lawrence Yun, you'll, Freddie Mac, it's Organizations: National Association of Realtors, Federal, NAR, Zillow, Federal Reserve Locations: Chevron

☆ US mortgage delinquency rates fall to all-time low
▼ + stars: | 2023-08-10 | by ( Safiyah Riddle | ) www.reuters.com time to read: +3 min

REUTERS/Lucas Jackson/File PhotoAug 10 (Reuters) - U.S. mortgage delinquency rates fell to a record low in the second quarter due to a strong job market and low interest rates prevailing on most home loans despite the big jump in mortgage rates over the last two years, a report on Thursday said. Delinquency rates fell to 3.37% at the end of the second quarter, according to the Mortgage Bankers Association’s National Delinquency Survey, their lowest since the MBA began collecting data in 1979 and down from 3.64% year-on-year. Economists are watching mortgage delinquency rates closely for signs of weakness amidst the Federal Reserve's aggressive 525 basis point interest rate increase since March 2022, which increased the cost of borrowing across the board. Despite the historically low delinquency rate, the MBA said not every borrower has been able to withstand the recent stress of hiked interest rates. “Home sales were down due to higher mortgage rates and limited inventory,” said NAR chief economist Lawrence Yun.

Persons: Lucas Jackson, ”, Lawrence Yun, Safiyah Riddle, Dan Burns, Marguerita Choy Organizations: REUTERS, Mortgage, National Delinquency Survey, Federal Housing Administration, National Association of Realtors, “, Thomson Locations: York County , South Carolina, U.S

But while it may be hard to believe, there is a light at the end of the tunnel when it comes to mortgage rates. See more mortgage rates on Zillow Real Estate on ZillowCurrent Refinance RatesMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-year Fixed Mortgage RatesThe current average 30-year fixed mortgage rate is 6.9%, according to Freddie Mac. 15-year Fixed Mortgage RatesThe average 15-year fixed mortgage rate is 6.25%, up 14 points from the prior week, according to Freddie Mac data.

Persons: Lawrence Yun, you'll, Freddie Mac Organizations: National Association of Realtors, Federal, NAR, Zillow, Federal Reserve Locations: Chevron

☆ Foreign buyers are bailing on the U.S. housing market. Here's why
▼ + stars: | 2023-08-02 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +3 min

The survey does not count new construction, where international buyers are also active. In total, 15% of foreign buyers bought homes worth more than $1 million. Chinese buyers in particular like California, as they often buy so that their children can attend local schools and universities. The drop in overall foreign purchases is unlikely to ease the competition for domestic buyers, as international buyers only made up a little more than 2% of all buyers. But it could help on the margins in certain local markets favored most by foreign buyers.

Persons: Lawrence Yun, Juwai, Kashif Ansari, Juwai IQI, Yun Organizations: National Association of Realtors, Realtors, U.S Locations: China, Mexico, Canada, India, Colombia, California, Asia, American, Florida, Texas, North Carolina, Arizona, Illinois, Florida , Texas

☆ Bad Real Estate Agents Are Costing Homebuyers Millions, Making Housing Market Worse
▼ + stars: | 2023-08-02 | by ( James Rodriguez | ) www.businessinsider.com time to read: +14 min

But lately, he's been having trouble squaring that passion with a growing problem: a glut of underqualified real-estate agents. "The general public deserves so much better than what the majority of real-estate agents provide." A threat to the industryThe vast majority of real-estate agents are independent contractors who rely on commissions. But despite the ease with which home shoppers can now browse homes online, buyers and sellers still see themselves as dependent on real-estate agents. And if those people don't have the ability to become a real-estate agent or a Realtor, then they lose their access to representation."

Persons: Bret Weinstein, he's, Weinstein, they're incentivized, It's, appraisers, they're, they'd, Lawrence Yun, Stephen Brobeck, Brobeck, Inman, that's, There's, Jessica Reinhardt, Reinhardt, bristled, who's, Reinhard, James Rodriguez Organizations: Realtors, Consumer Federation of America, National Association of Realtors, NAR, Consumers, CFA, Denver Metro Association of Realtors Locations: Denver, Texas, Massachusetts, Michigan, Pennsylvania

☆ 'The most important financial decision' of your life—what you need to know about mortgages
▼ + stars: | 2023-08-01 | by ( Ryan Ermey | ) www.cnbc.com time to read: +8 min

News about mortgage rates comes out daily. But for most would-be homebuyers, up-to-the-minute financial information might not feel as important as the bigger-picture questions: How do mortgages work? "Borrowing to purchase property is probably the most important financial decision that most people are ever going to make in their life," she says. The average 30-year mortgage rate was above 10% for most of the 80s, cresting in 1981 at 18.39%. "One can never truly predict the future, but I don't see mortgage rates returning back to the 3% range in the remainder of my lifetime," he says.

Persons: Will, Mary O'Sullivan, Read, Jeff Ostrowski, Z homebuyers, Lawrence Yun, that's, Freddie Mac, you've, O'Sullivan Organizations: Nationwide Mortgage Brokers, Federal Reserve, Fed, cresting, National Association of Realtors, CNBC, PMI, Federal Housing Administration, Financial, Urban Institute

Mortgage rates spent the first half of July climbing, but they've since receded a bit and are now holding steady. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-year Fixed Mortgage RatesThe current average 30-year fixed mortgage rate is 6.78%, according to Freddie Mac. 15-year Fixed Mortgage RatesThe average 15-year fixed mortgage rate is 6.06%, down 24 points from the prior week, according to Freddie Mac data. But average 30-year fixed rates will likely remain somewhere in the 6% to 7% range throughout 2023.

Persons: —, Lawrence Yun, homebuyers, Yun, you'll, Freddie Mac Organizations: National Association of Realtors, NAR, Federal Reserve, Zillow Locations: Chevron

☆ What we hope to see from 9 Club stocks out with earnings in the week ahead
▼ + stars: | 2023-07-22 | by ( Zev Fima | ) www.cnbc.com time to read: +14 min

Looking to next week, earnings season will ramp up — and though we'll get some important economic data, expect the corporate releases and management commentary on the post-game calls to be firmly in the driver's seat. Here are two important things to know for the week ahead. Quarterly earnings : As important as economic releases are, it's earnings that will garner the bulk of investors' attention. For those looking to review first-quarter performance ahead of these releases, keep our first-quarter earnings report card handy. Here's the full rundown of all the important domestic data in the week ahead.

Persons: Dow, we'll, we've, Lawrence Yun, Jerome Powell's, Sartorius, Sartorius preannounced, It's, management's, We'll, Tesla, Ford's, Sherwin, Williams, Archer, Clark, Lam, Edwards Lifesciences, Hewlett, Northrop, Dr Pepper, Davidson, Jim Cramer's, Jim Cramer, Jim, Spencer Platt Organizations: Nasdaq, Economic, National Association of Realtors, Nine, GE Healthcare, Microsoft, YouTube, Linde, LIN, Honeywell, Aerospace, Technologies, Ford, Procter & Gamble, Dynex, HBT, Hope Bancorp, NXP Semiconductors, Cadence Design Systems, Whirlpool, Logitech International, Liberty Global, Verizon Communications, General Motors, General Electric, GE, Spotify, Raytheon Technologies, Daniels, Midland, Albertsons Companies, ACI, Polaris Industries, Inc, Dow Chemical, DOW, Xerox, Texas Instruments, WM, Canadian National Railway Company, Chubb Corporation, Universal Health Services, Powell, Boeing, Hilton, Union Pacific, General Dynamics, Quest Diagnostics, Otis Worldwide, Grill, Lam Research, eBay, EBAY, Mattel, Hewlett Packard, L3Harris Technologies, Gross, Royal Caribbean Cruises, Southwest Airlines, Mastercard, Myers Squibb, Northrop Grumman, Hertz, Tractor Supply Company, HCA Healthcare, Boston, Hershey, Comcast, Harley, Norfolk Southern, Intel, Mobile, United States Steel Corp, KLA Corporation, Boston Beer Company, Nation Entertainment, Texas, Procter, Gamble, Exxon Mobil, Chevron, Charter Communications, AstraZeneca, Colgate, Palmolive, Newell Brands, Sanofi, Dwight, Jim Cramer's Charitable, CNBC, New York Stock Exchange, Getty Locations: U.S, Hollywood, Cleveland, Corning, Kimberly, Bristol, Norfolk

☆ June home sales drop to the slowest pace in 14 years as short supply chokes the market
▼ + stars: | 2023-07-20 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +3 min

Sales are unlikely to recover any time soon, as mortgage rates weigh heavy on affordability. Mortgage rates hung in the mid 6% range during that time and then shot up over 7% at the very end of May. The higher end of the market, however, appears to be recovering. While sales were down across all price points, they were down least at the higher end. Sales are unlikely to rebound soon in the existing home market, but sales of newly built homes are reaping the benefits.

Persons: Lawrence Yun, Yun, DR Horton, Donald Horton Organizations: National Association of Realtors, Realtors

☆ US existing home sales fall; annual house price decline slows
▼ + stars: | 2023-07-20 | by ( ) www.reuters.com time to read: +2 min

WASHINGTON, July 20 (Reuters) - U.S. existing home sales dropped to a five month-low in June, depressed by a chronic shortage of houses on the market that slowed the pace of decline in annual house prices. Existing home sales fell 3.3% in June to a seasonally adjusted annual rate of 4.16 million units, the lowest level since January, the National Association of Realtors said on Thursday. Economists polled by Reuters had forecast home sales would drop to a rate of 4.20 million units. The median existing house price fell 0.9% from a year earlier to $410,200, the second-highest price ever. The median house price rose 3.5% from May.

Persons: Freddie Mac, Lawrence Yun, Lucia Mutikani, Paul Simao Organizations: National Association of Realtors, Reuters, Federal, Thomson Locations: Midwest, West

☆ US home prices stay near record high, even as sales drop in June
▼ + stars: | 2023-07-20 | by ( Anna Bahney | ) edition.cnn.com time to read: +6 min

Even after falling, June’s median price hit the second-highest monthly median price on record going back to 1999, according to a National Association of Realtors report released Thursday. The median existing home price was $410,200 last month, just 0.9% less than the all-time high from one year ago of $413,800. It marked the fifth month of year-over-year drops in median home sale prices. “Relatively high mortgage rates near 7% and historically low inventory of existing homes on market is hindering sales activity,” said Yun. The pent-up demand will surely be realized soon, especially if mortgage rates and inventory move favorably.”Home prices remain highOne of the reasons home prices remain high is because It’s summer.

Persons: ”, Lawrence Yun, —, Yun, “, “ It’s Organizations: DC CNN, National Association of Realtors, NAR, “, downer Locations: Washington

☆ The last, best hope for homebuyers
▼ + stars: | 2023-07-19 | by ( James Rodriguez | ) www.businessinsider.com time to read: +12 min

But there may be one last hope for salvation for these hard-pressed homebuyers: brand-spanking new houses. Many builders are even dangling perks like cheaper loans or other discounts to ease the pain of higher mortgage rates. Homebuilding is typically a cyclical industry, following the ups and downs of the broader housing market. Of course, people will always move for reasons that have nothing to do with mortgage rates. Even if buyers get some relief from new housing construction, builders are still a long way off from bridging the housing shortfall.

Persons: Richard de Chazal, William Blair, de Chazal, Realtor.com, bottoming, John Burns, Black Knight, Mike Simonsen, Simonsen, bode, it's, Sheryl Palmer, Taylor Morrison, Palmer, Cristian deRitis, Jay Parsons, Matthew Walsh, Walsh, Freddie Mac, Lawrence Yun, They're, production's, James Rodriguez Organizations: Federal Reserve, National Association of Realtors, John Burns Research, Consulting, Altos Research, National Association of Homebuilders, Builders, Moody's

☆ The mortgage market isn't sending the signal homebuyers need on affordability
▼ + stars: | 2023-07-17 | by ( Tim Mullaney | ) www.cnbc.com time to read: +6 min

Usually around 1.75 percentage points, and as low as 1.3 in 2021, the so-called mortgage spread is hovering at more than 3 percentage points now. And that is propping up mortgage rates, keeping home owners from selling their homes and buying nicer ones, and hurting first-time buyers, Yun said. Why mortgage spreads should move lowerLogically, mortgage spreads should move down sharply from here, thanks to the recent spate of good economic news, and bring relief to home buyers who have seen affordability deteriorate sharply since 2020. But as the Fed began raising interest rates in March 2022, mortgage rates rose even faster than bond yields. Mortgage rates also dropped, to 6.89% last Friday from a recent peak of 7.22%, according to Mortgage News Daily.

Persons: Lawrence Yun, Yun, Logan Mohtashami, Fannie Mae, Freddie Mac, Rob Haworth, Banks, refinance, Haworth, Neel Kashkari Organizations: National Association of Realtors, Federal Reserve, Fed, Bank, Atlanta Federal Reserve, Mortgage News, HousingWire, Treasury, U.S . Bank, Minneapolis Federal Reserve Bank Locations: Stockton , California, treasuries, Silicon, U.S, Irvine , Calif, Seattle

☆ Homebuyers must ‘learn to live’ with near-7% mortgage rates, says RE/MAX chairman
▼ + stars: | 2023-07-14 | by ( Matt Egan | ) edition.cnn.com time to read: +4 min

After all, he recalls the early 1980s when the Federal Reserve’s war on inflation briefly spiked mortgage rates above 18%. “Everyone has been spoiled by the past 15 years of low interest rates,” Liniger, now the chairman of RE/MAX, told CNN. Mortgage rates climbed to 6.96% during the week ending July 13, up from 6.81% the week before, Freddie Mac said Thursday. “We’re just going to have to learn to live with 6.5% or 7% mortgage rates for six to 18 months,” said Liniger. ‘This is the top’Lawrence Yun, chief economist at the National Association of Realtors, is more optimistic about the direction of mortgage rates.

Persons: Dave Liniger, ” Liniger, Freddie Mac, That’s, Liniger, “ We’re, ”, Lawrence Yun, ” Yun, ” Torsten Slok, it’s, Yun, there’s Organizations: New, New York CNN, Federal, CNN, National Association of Realtors, Apollo Group Locations: New York, America

Average 30-year mortgage rates have increased significantly this month, and are around 26 basis points higher compared to June's average rates. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. Mortgage rates started ticking up from historic lows in the second half of 2021 and increased significantly in 2022. This is a dramatic slowdown compared to recent months, and a sign that mortgage rates will likely start falling soon.

Persons: Lawrence Yun, Freddie Mac, it's Organizations: of Labor Statistics, National Association of Realtors, Zillow Locations: Chevron

☆ Real estate expert: Mortgage rates won't go back down to 3% 'in my lifetime'—here's why
▼ + stars: | 2023-07-11 | by ( Mike Winters | ) www.cnbc.com time to read: +2 min

"One can never truly predict the future, but I don't see mortgage rates returning back to the 3% range in the remainder of my lifetime," he says. If you're a U.S. homebuyer waiting for a return to super-low mortgage rates, don't hold your breath. That's because average 30-year fixed mortgage rates of 3% or less were an anomaly related to the pandemic, lasting from about July 2020 to Nov. 2022. Historically low mortgage rates during the pandemic were "an exceptional measure, during exceptionally uncertain times," says Yun. And with that, mortgage rates rose too.

Persons: —, Lawrence Yun, Freddie Mac, Yun Organizations: National Association of Realtors, Federal Reserve, Treasury Department Locations: U.S, Covid

☆ US pending home sales fall to five-month low in May
▼ + stars: | 2023-06-29 | by ( ) www.reuters.com time to read: +1 min

Economists polled by Reuters had forecast pending sales, which become sales after a month or two, falling 0.5%. Pending home sales tumbled 22.2% in May on a year-on-year basis. "Despite sluggish pending contract signings, the housing market is resilient with approximately three offers for each listing," said NAR Chief Economist Lawrence Yun. The housing market, which has taken the biggest hit from the Federal Reserve's fastest monetary policy tightening cycle since the 1980s, appears to have found a floor. While the tight supply is weighing on the market for previously owned homes, it is boosting construction and sales of new houses.

Persons: Lawrence Yun, Lucia Mutikani, Andrea Ricci Organizations: National Association of Realtors, Reuters, Federal, Housing, Thomson Locations: Northeast, West

☆ House hunting is already tough. Guess what? It's about to get harder
▼ + stars: | 2023-06-29 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +3 min

The number of homes for sale this month was actually 7% higher than June of last year, according to Realtor.com. An even tighter housing market ahead means home prices are unlikely to cool. They began to fall because mortgage rates had doubled in a matter of months. "Despite sluggish pending contract signings, the housing market is resilient with approximately three offers for each listing," NAR's chief economist, Lawrence Yun, said in a release. Higher mortgage rates have been less of a factor, as builders, some of whom have their own mortgage arms, have been buying down rates for buyers.

Persons: Craig Lazzara, DJI, Lawrence Yun, hadn't, Peter Boockvar Organizations: Mortgage News Daily, National Association of Realtors, Census, Builders, Bleakley Financial

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