Mortgage Rates & Market Updates

Mortgage rates are influenced by economic data, inflation trends, Federal Reserve policy, and global markets — not just headlines.

In this section, I break down what’s happening in the mortgage-backed securities market and how economic reports may impact rates. You’ll find:

  • Weekly mortgage rate updates
  • Federal Reserve (FOMC) commentary
  • Inflation and employment report insights
  • Housing market trends
  • Legislative updates affecting lending

My goal is to translate complex economic movement into practical guidance for buyers and homeowners.

If you want context — not speculation — this is where you’ll find it.

How a $200B Push Into Mortgage Bonds Could Impact Mortgage Rates — and Home Prices

January 9, 2026 by Leave a Comment

lower mortgage ratesWhat Lower Mortgage Rates Could Mean for the Greater Seattle Area

Late yesterday afternoon, Trump posted on social media that he was instructing Fannie Mae and Freddie Mac to significantly increase their purchases of mortgage-backed securities (MBS), with figures being discussed as high as $200 billion.

While details and timing always matter, it’s important to understand how this type of action works, how it can influence mortgage rates nationally, and why the impact can be amplified here in the Greater Seattle housing market. [Read more…]

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The Mortgage Porter Weekly – Mortgage Rates and More

January 5, 2026 by Leave a Comment

Episode 1 of 2026: What Moves Mortgage Rates & What to Watch Next

Welcome to the first episode of The Mortgage Porter – Mortgage Rates and More for 2026.

As we begin the new year, this week’s update focuses on one of the most common — and important — questions for homebuyers and homeowners alike: what causes mortgage interest rates to move.

I also share where mortgage rates are currently sitting, how they’re trending, which upcoming economic reports can move the market, and important updates on homebuyer education for the weeks ahead.

[Read more…]

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Mortgage Rate Predictions for 2026: What Washington Homebuyers & Homeowners Should Know

December 28, 2025 by Leave a Comment

Mortgage Rate Forecast for 2026Mortgage rates continue to be one of the most talked-about topics for homebuyers and homeowners across Washington State. Whether you’re hoping to buy your first home, move up, or refinance, it’s natural to wonder: where are mortgage rates headed in 2026?

While no forecast is guaranteed, several respected housing and mortgage organizations regularly publish outlooks that can help set realistic expectations. Below is a Washington-focused look at what groups like the Mortgage Bankers Association, Freddie Mac, Fannie Mae, and Zillow are projecting — and what it could mean for buyers and homeowners here in the Pacific Northwest. [Read more…]

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Breaking News: The Fed Cuts Rates 25 Basis Points

December 10, 2025 by Leave a Comment

The Fed Cuts Funds Rate by 25 PointsThe Fed has just announced a rate cut the Fed Funds rate by 25 basis points.

This has been widely anticipated by the markets. Remember, the Fed’s rate cut does NOT directly impact mortgage rates (except for home equity lines of credit and other loans that may be attached to the prime interest rate). [Read more…]

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The Mortgage Porter: Mortgage Rates for the Week of November 24, 2025

November 24, 2025 by Leave a Comment

This week’s episode of The Mortgage Porter reviews current mortgage rates and what may impact rates this short holiday week. Plus, we review recent changes to Fannie Mae’s guidelines that removes the minimum credit score requirement of 620.

If you or anyone you know are thinking about buying or refinancing a home, I am happy to help! Feel free to contact me to review your scenario.

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