Newsletter
The Forward Mortgage newsletter
Monthly insights from Brian Mutter on mortgage rates, the housing market, and how they connect to your financial life.
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2026: What’s in store for mortgage interest rates?
As we wrapped up 2025, housing affordability was clearly on the White House’s radar. One idea that grabbed headlines was the idea of a 50-year mortgage. While it was widely criticized — mostly because the long-term in…
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What’s Been Going On With Mortgage Rates, And What Comes Next?
A look back at mortgage interest rates over 2025, with an eye toward what we can expect in 2026 As the year winds down, I wanted to quickly revisit a frequent topic: Mortgage rates! They’ve been a bit frustrating late…
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Is a 50-Year Mortgage Really the Fix?
Affordability has been the big headline for years now – and honestly, for good reason. Between fast home-price growth, tight inventory, and mortgage rates that aren’t exactly doing us favors, it’s become harder for ev…
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The FED finally cut rates – now what?
The Federal Reserve finally cut the Fed Funds Rate by 0.25% on September 17, 2025 – the first cut in more than four years. While that rate affects how banks lend to each other, it doesn’t directly control mortgage rat…
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Mortgage rates are falling – without the FEDs help
Mortgage rates are now sitting at their lowest point in the past 12 months—a welcome shift for both homeowners and buyers! This move comes as labor market data continues to soften, reinforcing expectations that the Fe…
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Refinance Now?
Is the moment upon us—the moment millions of homeowners who have purchased since 2022 have been waiting for: an opportunity to refinance their mortgage to a lower rate and payment? We’ve been writing in this newslette…
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Mortgage rates: Still held up by the labor market
It’s been an interesting Summer this year when it comes to housing and financial markets! In many ways, it feels like the markets have been holding their breath. But why? What’s the FED waiting for? All eyes have been…
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Housing is still tight. Rates remain stubborn. Why, and what’s next?
Can you believe we’re almost halfway through 2025 already? The first half of this year has been an interesting one for housing, as financial markets try to adapt to a new administration in the White House. Let’s look …
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Opportunity or Caution? The Latest Twist in Mortgage Rates After Tariff Talks
In our last newsletter, written just after the President announced massive tariffs, we discussed how the economic turmoil that resulted was actually good news for mortgage rates, pushing them down – and fast! For a br…
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Tariffs Rattle Markets, but Lower Rates & Refinance Opportunities Await!
You may have seen in the news this week that President Trump enacted a slew of tariffs and as a result, the stock market has tumbled. While that’s not good news for your 401k, there is a silver lining: This is fantast…
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