Education Library

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Buyers • Sellers

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Myth vs. Reality: Does the Fed Control Mortgage Rates?

Mortgage Rates Today

The Fed influences mortgage rates, but it doesn’t control them directly. Here’s what that means for homebuyers.

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October 7, 2026

The Fed influences mortgage rates, but it doesn’t control them directly. Here’s what that means for homebuyers.

October 7, 2026

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Buyers • First-Time Buyers

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Two Moves That Can Get You Into Your First Home Sooner

Mortgage Rates Today

For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach.

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October 5, 2026

For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach.

October 5, 2026

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Market

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What This Week's Rate News Means for Your Home Search

Mortgage Rates Today

If you hit pause on your home search when rates climbed in September, this week’s encouraging news is a good reason to check your numbers again.

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October 2, 2026

If you hit pause on your home search when rates climbed in September, this week’s encouraging news is a good reason to check your numbers again.

October 2, 2026

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Sellers

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What Higher Mortgage Rates Mean for Home Sellers

Mortgage Rates Today

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

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October 1, 2026

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

October 1, 2026

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Buyers • Home Prices

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Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.

Mortgage Rates Today

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.

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September 30, 2026

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.

September 30, 2026

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Buyers • First-Time Buyers

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The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Mortgage Rates Today

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

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September 28, 2026

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

September 28, 2026

Featured Resources

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Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.

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The Upside of a Slow Housing Market

Fewer people are shopping for homes right now, and for buyers who are ready, that could mean less competition along with slightly better rates.

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To Sell or Rent? How To Choose the Best Path for Your House.

Selling your house is a big step, and you want it to go smoothly. And with houses taking a little longer to sell these days, renting it out might start to sound like a nice backup plan.

© 2026 Hansen-Tyler Team. All Rights Reserved.

Equal Housing Opportunity. CrossCountry Mortgage, LLC. Company NMLS 3029. Branch NMLS 1437924. (www.nmlsconsumeraccess.org)

All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan. For more licensing and disclosures, see crosscountrymortgage.com/licensing-and-disclosures.
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TESTIMONIALS
Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and are for display purposes only.
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REFINANCING
Refinancing may result in higher total finance charges over the life of the loan.
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RATE ASSUMPTIONS
Rates displayed are subject to change and assume that you are buying or refinancing an owner-occupied single-family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Mortgage Experts at (858) 259-8700 for a customized rate and payment quote.

STATE LICENSING
AZ - Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020.
CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act No. 4131098. California - DFPI Residential Mortgage Lending Act License.
CO - Mortgage Company Registration – Regulated by the Division of Real Estate - www.dora.state.co.us/real-estate.
FL - Mortgage Lender Servicer License No. MLD806.
ID - Licensed as a Mortgage Broker/Lender No. MBL-7779. Regulated Lender License RRL-10257.
MI - 1st Mortgage Broker/Lender/Servicer Registrant No. FR0024287. 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0019909.
NV - NV Mortgage Company License 3259. Supplemental Mortgage Servicer License No. 4352.
OK - Mortgage Broker License No. MB001744. Mortgage Lender License No. ML010107.
OR - Lender License No. ML-4709. Servicer License MS-134.
TN - Mortgage License No. 109408. Industrial Loan and Trust Company Registration No. 3029.
TX - SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029. Texas Rights.
WA - Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-3029.

TEXAS RIGHTS
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
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