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Foreclosure Prevention is Working; Time To Think About Mortgage Rate Complacency (Before It’s Too Late)

Foreclosure Prevention is Working; Time To Think About Mortgage Rate Complacency (Before It’s Too Late)

After months of waiting and multiple successive reports of all-time lows from other sources, the average lender is now finally back in line with the actual all-time lows seen on August 4th, 2020. With different sources making this claim at different times, how do you know who's right? Actually, everyone's right, as long as you understand how they arrive at their numbers. For instance, surveys that ask lenders for their best possible rates are logically going to suggest lower than average rates because refinances cost a lot more than purchases at the moment, despite comprising a majority of the market. That's why Freddie Mac's survey has seen successive all-time lows even though refi-weighted rates are just now getting back to that promised land. So rates are back! But now what? Will they go
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