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Rates & Market
Mortgage rates move for reasons that have little to do with the headlines. This hub explains what actually drives rates — the bond market, Fed policy, and economic data — plus timely coverage of the news events shaping what you will pay. Understand the forces so you can time your move wisely.
All Rates & Market articles & guides
Mortgage Rates
Current mortgage rate ranges, updated weekly.
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Interest Rate vs. APR: What's the Difference?
Your interest rate is the cost of borrowing. Your APR folds in the rate plus most loan fees, so it runs a little higher. Here's how to use both.
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Should You Pay for Mortgage Points?
On a purchase, buying down your rate is usually smart, and close to a no-brainer when the seller is covering closing costs. Here's the math.
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When Should You Lock Your Mortgage Rate?
A rate lock guarantees your interest rate won't move for a set window while you close. Lock once you're under contract on a specific home.
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Rocket Partners with Compass: How Your Agent Connection Unlocks 40 Basis Points in Savings
The new Rocket-Compass partnership is reshaping real estate. As a correspondent lender with Rocket, we can pass along 0.4% in lender credits to clients working with Compass agents—saving you thousands at closing.
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The Truth About Mortgage Rates: Why MBS Markets Matter More Than the Fed
Discover why mortgage rates are driven by Mortgage Backed Securities, not the Federal Reserve. Learn how bond prices, yields, and MBS coupons directly impact your rate sheet pricing—plus a real client story about saving thousands by timing the market.
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