Lower mortgage rates could feed supply for buyers if they encourage potential sellers who have been locked into lower rates to list their homes. Freddie Mac reported this past week that the

Mortgage rates drop to "five handle" as Trump administration targets housing affordability crisis with aggressive $200 billion bond purchase program.

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Plus, Hillary Clinton denies knowing about Epstein’s crimes, more Americans under 55 are dying of severe heart attacks and Vail overhauls ski economics.

A mortgage rate lock deposit is a fee charged by lenders to secure an interest rate between offer acceptance and closing, providing financial certainty.

America's housing market could be seeing "the gradual erosion of the lock-in effect," according to experts reacting to new home sales and mortgage application data.

“The 30-year fixed-rate mortgage (FRM) averaged 6.01% as of February 19, 2026, down from last week when it averaged 6.09%,” Freddie Mac reported. “A year ago at this time, the 30-year FRM averaged 6.85%.”

Third-party mortgage originators are entities or individuals that collaborate with lenders to help initiate mortgage loans, offering services across various channels.