30-Year Refinance Rates Dip Slightly

Investopedia12-18

Rates on 30-year refinance loans subtracted 2 basis points Monday, reducing the average to 6.96%. Friday's reading of 6.98% was up about a quarter percentage point over the week and was the most ...

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Friday's reading of 6.98% was up about a quarter percentage point over the week and was the most ...</p>\n\n<a href=\"https://www.investopedia.com/30-year-refinance-rates-dip-slightly-dec-17-2024-8762727\">Source Link</a>\n\n</div>\n","source":"investopedia_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>30-Year Refinance Rates Dip Slightly</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n30-Year Refinance Rates Dip Slightly\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-12-18 00:44 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.investopedia.com/30-year-refinance-rates-dip-slightly-dec-17-2024-8762727><strong>Investopedia</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Rates on 30-year refinance loans subtracted 2 basis points Monday, reducing the average to 6.96%. Friday's reading of 6.98% was up about a quarter percentage point over the week and was the most ...</p>\n\n<a href=\"https://www.investopedia.com/30-year-refinance-rates-dip-slightly-dec-17-2024-8762727\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4551","symbol_name":"寇图资本持仓","start_time":0,"source_url":"https://www.investopedia.com/30-year-refinance-rates-dip-slightly-dec-17-2024-8762727","article_id":"2492955769","we_media_id":null,"thumbnails":["https://www.investopedia.com/thmb/sAOIFtacVelz_s4AwDw5e9WDiRk=/5740x3827/filters:no_upscale():max_bytes(150000):strip_icc()/2Tue-LiubomyrVorona-c601afa1b3d84a3a994bd26b8ae35a53.jpg"],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2492955769","pubTimestamp":1734453842,"columns":[],"sourceInfo":{"source_id":"investopedia_highlight","name":"Investopedia"},"weMediaInfo":null,"summary":"Rates on 30-year refinance loans subtracted 2 basis points Monday, reducing the average to 6.96%. Friday's reading of 6.98% was up about a quarter percentage point over the week and was the most expensive level since before Thanksgiving.Back in September, rates on 30-year refinance loans sank to a 19-month low of 6.01%. But they then surged more than a percentage point, rising as high as 7.13% in mid-November.Rate movement was mixed for other refinance loan types Monday, though many showed only a minimal change. The 15-year refi average shed 1 basis point, while the 20-year and jumbo 30-year refi averages climbed a point.National Averages of Lenders' Best Rates – Refinance. The level and direction of the bond market, especially 10-year Treasury yields. Competition between mortgage lenders and across loan types. Because any number of these can cause fluctuations at the same time, it's generally difficult to attribute any single change to any one factor.Macroeconomic factors kept the mor","collect":0,"end_time":0,"defaultTopTitle":"investopedia.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4551":"寇图资本持仓","BK4585":"ETF&股票定投概念","LU0348723411.USD":"ALLIANZ GLOBAL HI-TECH GROWTH \"A\" (USD) INC","IE00BMPRXQ63.HKD":"NEUBERGER BERMAN NEXT GENERATION CONNECTIVITY FUND \"A\" (HKDHDG) ACC","BK4079":"房地产服务","BK4548":"巴美列捷福持仓","BK4588":"碎股","BK4141":"半导体产品","Z":"Zillow","IE00BMPRXR70.SGD":"Neuberger Berman 5G Connectivity A Acc SGD-H","IE00BMPRXN33.USD":"NEUBERGER BERMAN 5G CONNECTIVITY \"A\" (USD) ACC"},"translate_title":"30年期再融资利率小幅下降","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"Z":0.9,"US7Y.BOND":0.9,"US6M.BOND":0.9,"US5Y.BOND":0.9,"US3Y.BOND":0.9,"US30Y.BOND":0.9,"US2Y.BOND":0.9,"US12M.BOND":0.9,"US10Y.BOND":0.9},"content_text":"Rates on 30-year refinance loans subtracted 2 basis points Monday, reducing the average to 6.96%. Friday's reading of 6.98% was up about a quarter percentage point over the week and was the most expensive level since before Thanksgiving.\n\n\n Back in September, rates on 30-year refinance loans sank to a 19-month low of 6.01%. But they then surged more than a percentage point, rising as high as 7.13% in mid-November.\n\n\n Rate movement was mixed for other refinance loan types Monday, though many showed only a minimal change. The 15-year refi average shed 1 basis point, while the 20-year and jumbo 30-year refi averages climbed a point.\n\n\n \n\n\n\n\n\n\nNational Averages of Lenders' Best Rates – Refinance\n\n\nLoan Type\nRefinance Rates\nDaily Change\n\n\n\n\n30-Year Fixed\n6.96%\n-0.02\n\n\nFHA 30-Year Fixed\n6.29%\nNo Change\n\n\nVA 30-Year Fixed\n6.15%\n+0.01\n\n\n20-Year Fixed\n6.82%\n+0.01\n\n\n15-Year Fixed\n5.84%\n-0.01\n\n\nFHA 15-Year Fixed\n6.09%\nNo Change\n\n\n10-Year Fixed\n6.00%\n-0.03\n\n\n7/6 ARM\n7.32%\n-0.34\n\n\n5/6 ARM\n6.94%\n-0.82\n\n\nJumbo 30-Year Fixed\n6.79%\n+0.01\n\n\nJumbo 15-Year Fixed\n6.49%\n-0.14\n\n\nJumbo 7/6 ARM\n7.07%\n+0.05\n\n\nJumbo 5/6 ARM\n7.45%\n+0.08\n\n\nProvided via the Zillow Mortgage API\n\n\n\n\n\nOccasionally some rate averages show a much larger than usual change from one day to the next. This can be due to some loan types being less popular among mortgage shoppers, such as the 10-year fixed rate, resulting in the average being based on a small sample size of rate quotes.\n\nImportant\nThe rates we publish won’t compare directly with teaser rates you see advertised online since those rates are cherry-picked as the most attractive vs. the averages you see here. Teaser rates may involve paying points in advance or may be based on a hypothetical borrower with an ultra-high credit score or for a smaller-than-typical loan. The rate you ultimately secure will be based on factors like your credit score, income, and more, so it can vary from the averages you see here.\n Since rates vary widely across lenders, it's always wise to shop around for your best mortgage refinance option and compare rates regularly, no matter the type of home loan you seek.\n\n\n\n\n Calculate monthly payments for different loan scenarios with our Mortgage Calculator.\n\n\n\n\n  What Causes Mortgage Rates to Rise or Fall?  \n Mortgage rates are determined by a complex interaction of macroeconomic and industry factors, such as:\n\n\n\nThe level and direction of the bond market, especially 10-year Treasury yields\nThe Federal Reserve's current monetary policy, especially as it relates to bond buying and funding government-backed mortgages\nCompetition between mortgage lenders and across loan types\n\n\n Because any number of these can cause fluctuations at the same time, it's generally difficult to attribute any single change to any one factor.\n\n\n Macroeconomic factors kept the mortgage market relatively low for much of 2021. In particular, the Federal Reserve had been buying billions of dollars of bonds in response to the pandemic's economic pressures. This bond-buying policy is a major influencer of mortgage rates.\n\n\n But starting in November 2021, the Fed began tapering its bond purchases downward, making sizable reductions each month until reaching net zero in March 2022.\n\n\n Between that time and July 2023, the Fed aggressively raised the federal funds rate to fight decades-high inflation. While the fed funds rate can influence mortgage rates, it doesn't directly do so. In fact, the fed funds rate and mortgage rates can move in opposite directions.\n\n\n But given the historic speed and magnitude of the Fed's 2022 and 2023 rate increases—raising the benchmark rate 5.25 percentage points over 16 months—even the indirect influence of the fed funds rate has resulted in a dramatic upward impact on mortgage rates over the last two years.\n\n\n The Fed maintained the federal funds rate at its peak level for almost 14 months, beginning in July 2023. But on Sept. 18, the central bank announced the first rate cut in what's expected to be a series of decreases in 2024 and likely 2025. The first reduction was by 0.50 percentage points.\n\n\n On Nov. 7, the Fed announced an additional rate cut of 0.25 percentage points, bringing the federal funds rate to 4.5% to 4.75%. With this cut, the fed funds rate reaches its lowest level since March 2023.\n\n\n The Fed's next rate announcement will be made Dec. 18.\n\n\n  How We Track Mortgage Rates  \n The national and state averages cited above are provided as is via the Zillow Mortgage API, assuming a loan-to-value (LTV) ratio of 80% (i.e., a down payment of at least 20%) and an applicant credit score in the 680–739 range. The resulting rates represent what borrowers should expect when receiving quotes from lenders based on their qualifications, which may vary from advertised teaser rates. © Zillow, Inc., 2024. Use is subject to the Zillow Terms of Use.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.29.4","shortVersion":"4.29.4","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2492955769"}