Latest / Mortgage Research Network Podcast
Refi Boom 2025: Why Lower Rates Are Causing Higher Rates
A refinancing surge—the biggest in more than three years—is reshaping the mortgage market. Tim Lucas and Craig Berry break down why refis are spiking even as headlines paint a gloomy housing picture, and how this boom may ironically push mortgage rates up for everyone else.In this episode you’ll learn:Why refis are exploding: Softer rates have opened the door for homeowners who bought at peak rates to finally trade down.Who’s refinancing: About half of all mortgages with rates roughly 0.75% above current levels could benefit from a refi.Market health: Delinquencies are improving across all…
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