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Insights

Expert analysis from Lower

Read data reports, mortgage industry analysis, and news from our team of experts.

Featured Article

Top Cities for First-Time Buyers in 2026: Owning vs. Renting

Whether you're looking to buy, lower your rate, or use your equity, Lower has options for you.

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Featured Articles

The federal reseve building in Washington, DC

Fed Holds Rates Steady. What Homebuyers Need to Know

The Fed held rates steady, but mortgage rates are affected by broader economic factors.

People evaluate mortgage options with a loan officer.

Would a 50-Year Mortgage Be Affordable?

50-year mortgages would exchange a lower monthly payment for significantly more interest over the life of the loan.

The Federal Reserve building in Washington, D.C.

How Does the Fed Affect Mortgage Rates?

Learn more about what affects mortgage rates beyond the Fed.

A woman and a man evaluate 401(k) options.

Can You Use a 401(k) to Buy a House?

A proposal would let buyers use their 401(k) to buy a home, but whether or not that's a good idea depends on both the economy and your long-term situation.

The federal reseve building in Washington, DC

Fed Holds Rates Steady. What Homebuyers Need to Know

The Fed's decision to hold rates steady is unlikely to directly affect mortgage rates, which move more with underlying economic factors.

A screen shows live rates.

Trump Wants to Buy $200 Billion in Mortgage Bonds. What Does that Mean for Rates?

Timing is everything with the proposal to buy mortgage-backed securities.

A for sale sign in front of a home.

Could a Ban on Institutional Investors Make Homes More Affordable?

Exactly what a ban on institutional investors could mean depends heavily on the local market.


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