In this week’s episode of The Mortgage Porter Weekly, we’re covering several timely topics that are influencing mortgage rates and homeownership decisions right now — from global trade headlines to practical ways homeowners are funding remodels.
If you’re watching rates, thinking about renovating your home, or planning to buy in the near future, here’s a recap of what we discussed.
Mortgage Rates & Global Headlines
Mortgage rates have recently faced upward pressure, in part due to renewed tariff threats from Donald Trump toward the European Union.
Why does this matter for mortgage rates?
Tariff uncertainty can:
- Increase inflation concerns
- Create volatility in the bond market
- Push investors away from bonds and into other assets
Since mortgage rates are closely tied to bonds — especially mortgage-backed securities — this type of market uncertainty can result in higher mortgage rates, even when the news isn’t directly about housing.
Where Mortgage Rates Are Trending
We also take a look at:
- Where mortgage rates are currently landing
- How rates have been trending recently
- Why day-to-day movement is normal in today’s environment
While rates can change quickly, understanding why they move can help buyers and homeowners make more confident decisions. Contact me for current mortgage rates based on your personal financial scenario.
What’s on the Economic Calendar This Week
Several scheduled economic reports have the potential to move mortgage rates, including employment-related and inflation data and other key indicators that investors closely watch.
These reports can create short-term volatility — which is why timing, communication, and strategy matter when locking a rate.
Remodeling Your Home: Financing Options to Consider
If you’re thinking about improving or updating your home, we also review several common financing options, including:
HELOCs (Home Equity Lines of Credit)
- Flexible access to your home’s equity
- Variable interest rates
- Ideal for ongoing or phased projects
Cash-Out Refinances
- Replace your current mortgage with a larger loan
- Convert equity into cash for remodeling
- May make sense depending on your current rate and long-term plans
Renovation Mortgages
- Finance renovations into a purchase or refinance
- One loan, one payment
- Based on the home’s future improved value
Each option has pros and cons, and the best fit depends on your goals, timeline, and financial picture.
Homebuyer Workshop – January 21 (Tomorrow)
A quick reminder that our next homebuyer workshop is happening:
📅 January 21, 2026
⏰ 12:00 – 1:00 PM
📚 Topic: Mortgage programs for homebuyers
This class provides an overview of:
- Common mortgage programs
- Options for first-time and repeat buyers
- Strategies to improve affordability
In addition, previously recorded homebuyer workshops are now being released and shared on this blog, making it easy to learn on your own schedule.
Final Thoughts
Between global headlines, economic data, and personal goals like remodeling or buying a home, there’s a lot to navigate right now. My goal with these weekly updates is to help connect the dots and provide clear, practical guidance — not just headlines.
If you have questions about rates, renovation options, or upcoming classes, I’m always happy to help.
Watch this week’s episode of The Mortgage Porter Weekly above and let me know what topics you’d like covered in future updates.
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