HeyJaredJeff Lazerson
- Indexed articles, last 90 days
- 11
- Latest publication
- Sep 17, 2026
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- Jul 9, 2026
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How federal policymakers can make mortgages more affordable (opens the original)
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Soon enough, mortgage rates are going to hit 7%. The last time we hit 7% (7.04%) was briefly in January 2025. On Thursday, the rate hit 6.95%, its highest in 19 months. The last time rates were over 7% for a sustained period was the spring 2024 and fall and winter 2023, according to Freddie Mac data. Based on my own experience, hitting 7% will be a psychological ceiling for many homebuyers, who will stop home shopping in earnest. National Association of Realtors data indicates sales in 2023 and
How to protect your assets ahead of Fed interest rate hikes (opens the original)
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I bet the Federal Reserve is going to raise its short-term interest rates by one-quarter percent on Sept. 16 after the upcoming Federal Open Market Committee meeting ends. That means the prime rate will rise to 7% from 6.75%. The last time the Fed raised interest rates was July 26, 2023. When it comes to money, especially mortgage money, how does an increase in short-term interests affect long-term interest rates like mortgages? How do you protect yourself before the short-term rates go up? Ahea
Cryptocurrency rules for homebuying loosen, widening mortgage opportunities (opens the original)
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This past spring it got easier for homebuyers to use cryptocurrency when qualifying for loans. Under these new rules, buyers don’t have to liquidate cryptocurrency right away. Instead, they can list their virtual tokens as an asset. When it comes time to use digital money for a down payment or closing costs, homebuyers will need to convert their tokens to U.S. dollars, usually through a bank that will convert the asset. Before we dig deeper into virtual currency (Fannie Mae’s term for cryptocurr
Here’s why interest rates are going to hit 7% (opens the original)
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That is the most frequently asked question being thrown my way of late. In this column I’ve got some answers. Mortgage rates are going to stay high for the foreseeable future. Don’t be surprised if the average Freddie Mac 30-year fixed rate mortgage hits 7% by year’s end. This week it rose to 6.66%. So, 7% is in sight. When a mortgage lender, be it bank, credit union or a non-depository mortgage banker funds your loan, it’s always from a huge line of credit, sometimes called a warehouse line. Us
Number of U.S. homebuyers sink to all-time low as affordability weighs heavily (opens the original)
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The number of homebuyers searching for their piece of paradise fell to its lowest level on record in July, according to an Aug. 13 Redfin report. Nationwide, there were an estimated 966,752 buyers in the market, down 2.5% from the month before. Homebuying demand fell largely because mortgage rates soared to their highest level in a year, straining affordability. Freddie Mac’s 30-year fixed-rate mortgage rate averaged 6.59% for the month of July. This week the average rate was 6.65%. Widespread e
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