Market Activity
Today’s mortgage market, in one place.
Live rates, the bond market that moves them, a payment calculator, and our weekly market update, kept current for buyers and homeowners across Charlotte, Lake Norman, and Charleston.
Rates and the bond market, live
Mortgage rates follow mortgage-backed securities (MBS). When MBS prices rise, rates usually improve; when they fall, rates usually rise.
Mortgage rates today
National averages from Mortgage News Daily, Freddie Mac, and the MBA.
Bond market (MBS)
The live pricing behind today’s rate changes.
Payment calculator
Estimate a monthly payment in seconds.
Rates shown are national averages for informational purposes only and are not an offer to lend or a rate quote. Your rate depends on your credit, loan program, property, and other factors. Calculator results are estimates.
Effective rate calculator
The advertised rate isn’t the whole story. Compare the true cost of different loan options side by side, including points and fees.
Open the calculator full screenThis week’s market update
What moved rates, what’s ahead, and what it means for your plans. Updated every week.
Watch: the market, explained
A quick look at what’s moving rates and what it means for you.
Most homebuyers never see a true side-by-side comparison.
Rates are only part of the picture. We show you the full set of options before you choose, then keep managing your mortgage long after closing.
- 1
Compare
Short-term and long-term strategies side by side, with the program differences explained in plain language.
- 2
Plan
A custom mortgage plan built around your goals, not just today’s rate.
- 3
Manage
Annual reviews, refinance reviews when the market moves, and strategic updates so you stay in the best position.
This isn’t a transaction. It’s a lifetime strategy.
The Mortgage Planner Journal
Market insights and planning tips from our team.
More tools for homeowners
Home Report
Track your home’s value and equity over time.
Get your Home ReportAnnual Review
A yearly check-in on your mortgage, your equity, and your options.
Request your reviewHomeStretch
Plan your purchase step by step and see what you can afford before you shop.
Start HomeStretchHome equity (HELOC)
See how much of your home’s equity you could put to work.
Check your equity options
Common questions about rates
Why might my rate be different from the averages shown?
The rates above are national averages. Your actual rate depends on your credit, down payment, loan program, property type, and the points you choose. A quick conversation with our team or an application shows what applies to you.
When should I lock my rate?
It depends on your timeline and how the bond market is moving. We watch MBS pricing every day and will talk through your options so you can decide with the full picture.
What is an effective rate?
It reflects the true cost of a loan once points and fees are included, not just the advertised rate. The Effective Rate calculator above lets you compare options side by side.
How often is this page updated?
The rate, bond market, and calculator widgets update live throughout the day. The market update is refreshed every week.
Follow the market with us
Weekly market reports, homebuyer tips, and what we’re seeing in Charlotte and Charleston, on Instagram at @themtgplanner.
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