Reviewed by Erika Rasure Fact checked by Vikki Velasquez Multiple economic factors influence interest rates. Three types of interest rates, including real, nominal, and effective affect consumers' borrowing and investment choices.

A future of lower interest rates could feel like relief for borrowers, but it also brings hidden consequences for savings, inflation, and long-term stability. As the Federal Reserve continues to adjust its strategy,

Mortgage rates saw significant improvements in 2025, but will that continue this month? Here's what to know now.

The rate on a 30-year fixed refinance climbed to 6.18% today, according to the Mortgage Research Center. Rates averaged 5.2% for a 15-year financed mortgage and 5.9% for a 20-year financed mortgage.

Buying a home is the most expensive purchase many people make in their lifetime. Some people do it only once, while others are in the market with greater frequency. In any instance when the home buying process involves securing a mortgage,

It wasn't that long ago when the average mortgage interest rate was comfortably over 7%. In August 2023, for example, the average rate on a conventional 30-year term was 7.31%, marking the highest level since 2000. Interest rate cuts in 2024 only ...

Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

The Fed is cutting its discount rate again, but Americans will be disappointed with the results, as the Fed’s latest action only contributes to the

EWQ isn’t a pure French macro bet: 60% of revenue is global. At ~19x P/E, upside looks stretched; 2026 downside risks loom. Read the full analysis here.