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For your consideration: Our observations regarding What’s holding back the housing market? Learn. Compare. Shop. Find mortgage offers personalized for your needs. Select an option below to get started HOMEBUYER HOMEOWNER Hello, Homebuyer Tell us what are you looking for. LEARN MORE ABOUT BUYING HOME COMPARE EVERYDAY RATES SHOP FOR PERSONALIZED QUOTES Home Hello, Homeowner Tell us what are you looking for. LEARN ABOUT Select a topic REFINANCE HOME EQUITY REVERSE MORTGAGE HOMEOWNERSHIP AND MORTGAGE MANAGEMENT COMPARE EVERYDAY RATES SHOP FOR PERSONALIZED QUOTES Home Top-rated Calculators Homebuyer Mortgage Calculator FHA Mortgage Calculator How Much House Can I Afford? See More Homeowner Should I Refinance? Tri-Refinance Calculator Home Equity Calculator - KnowEquity SM Tracker See More Manage your mortgage PMI Calculator It’s My Term SM Mortgage Prepayment Calculator Home Value Estimator How much is my house worth? See More Analysis, forecasts & market conditions Awaiting Confirmation Or Rebuttal UPDATED: May 13, 2024 READ MORE Latest move by the Federal Reserve UPDATED: May 01, 2024 READ MORE Two-month forecast for mortgage rates UPDATED: Apr 05, 2024 READ MORE 30-year fixed-rate mortgage - 15-year fixed-rate mortgage - Timespan: 3 months 3m Timespan: 3 months 3m Timespan: 6 months 6m Timespan: 12 months 12m SEE TODAY’S RATES Compare mortgage rates in your area Valid Zip Code required Refinance Purchase Refinance Get free expert housing market updates Get only what you care about in your inbox with the HSH newsletter Be the first to get market updates PLUS get free, subscriber-exclusive PDF guides & resources Select Your Interests First Time Home Buyer New Mortgage Refinance Home Equity Reverse Mortgage Market Trends & Analysis EMAIL ADDRESS (REQUIRED) By signing up, you agree to receive mortgage and housing market updates and further agree to our Privacy Policy and Terms of Use . Featured articles and resources The salary you must earn to buy a home in the 50 largest metros UPDATE:Feb 19,2024 Home Value Tracker: What’s happening with home prices? UPDATE:Mar 07,2024 Outlook: HSH’s 2024 Mortgage & Housing Forecasts UPDATE:Dec 22,2023 Home price recovery index: Which metros have improved the most, least? UPDATE:Mar 05,2024 PMI: Everything you need to know about Private Mortgage Insurance UPDATE:May 20,2019 Home buyer programs by state UPDATE:Apr 15,2020 Mortgage Prepayment Guide UPDATE:Mar 25,2019 Guide to Adjustable Rate Mortgages UPDATE:Oct 12,2022 Our most popular categories First Time Homebuyer Refinancing A Home Home Equity Reverse Mortgage FHA Mortgage VA Loan Ask the expert Keith Gumbinger Mortgage Expert Vice President, HSH.com About Keith: Mortgage market observer and analyst with 35 years experience... (more) Please enter a question. Name: Please enter name. Email Address: Please enter email. Captcha code invalid Submitting your question... Question received! Check back later to see if your question gets published.Go Back Recently asked questions Q: How do I find out who owns my mortgage? FEB 20, 2024 A: The owner of the loan is most often the "investor"the entity who put up the actual funds to make your mortgage happen. Read More Q: What loan amount does a mortgage need to be for it to be considered a Jumbo Loan? NOV 28, 2023 A: This question used to have a simple answer, since there was a "bright line" definitionthe conforming loan limit.... Read More Q: What does the term ‘conforming’ mean? SEP 21, 2023 A: Simply put, a "conforming" mortgage "conforms" to a set of standards so that the loan can be eligible to be sold to Fannie Mae or Freddie Mac. 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