Mortgages
News, insights and expert analysis on mortgages from the team at Kiplinger.
Latest
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How the Federal Reserve Affects Mortgage Rates — and What It Means for Homebuyers in 2025
Mortgage rates are still fluctuating in 2025 as the Fed holds steady — for now. Learn how interest rate changes affect your monthly payments and what buyers should watch for this year.
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How Does the 10-Year Treasury Yield Affect Mortgage Rates?
Where the 10-year Treasury yield goes, so do mortgage rates. Learn why they're connected and how it impacts homebuyers.
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I'm an Investment Strategist: This Is How the Fed's Next Rate Move Could Impact Your Wallet
Interest rate cuts might be coming, which could affect everything from your credit card debt to your mortgage. It's smart to prepare now — here's how.
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Can You Afford a Million-Dollar Home on a $250,000 Salary?
It’s more than the sticker price — mortgage rates, down payments, taxes and debt all factor into whether a million-dollar home fits your budget.
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Lock or Float? How to Decide on Your Mortgage Rate
Mortgage rates move daily, here’s how to know if you should lock in a rate now or let it float until closing.
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The Role of a Mortgage Underwriter in Buying a Home
From fast-track approvals to manual reviews, here’s what to expect (and how to avoid delays) in the underwriting process.
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My Mortgage Rate is 6.5%. Should I Refinance If Rates Fall By Half a Point
A half-point dip may not be enough to offset closing costs. Here's the magic number that makes refinancing pay off.
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How Home Appraisals Work — and What the Final Value Means
From comps to contingencies, here’s what a home appraisal reveals about your property’s true worth.
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The 28% Rule for Housing: Does It Still Work in Today’s Market?
Rising home prices and stubborn mortgage rates put this long-standing rule to the test.
