The hottest Refinancing Substack posts right now

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March ICE Mortgage Monitor: "Average annual property insurance payments rose to an all-time high"

CalculatedRisk Newsletter • 272 implied HN points • 09 Mar 26
đź’° Finance Refinancing
  1. Mortgage lending climbed to a 3.5‑year high in Q4, driven by a surge in refinances as lower rates improved affordability and expanded the pool of refinance‑eligible borrowers.
  2. Average annual property insurance payments reached an all‑time high in 2025, rising 6.6%, and borrowers with higher insurance burdens are more likely to fall behind on payments.
  3. Overall delinquencies dipped slightly, but serious delinquencies and active foreclosures rose, leaving over 850,000 borrowers 90+ days past due or in foreclosure—the highest level since mid‑2018.

February ICE Mortgage Monitor: "Home price growth slowed to its weakest pace in more than a decade"

CalculatedRisk Newsletter • 28 implied HN points • 09 Feb 26
đź’° Finance Refinancing
  1. Early-January rate declines toward 6% opened large refinance opportunities for millions and pushed affordability to a four-year high, but prices remain elevated relative to incomes.
  2. National home price growth slowed to its weakest pace since 2011, with the South and West weakening while the Northeast and Midwest hold firmer, and inventories still lagging pre-pandemic norms in many areas.
  3. Negative equity has risen to the highest level since 2018, concentrated in recent loan vintages and in several Southern markets where over 10% of mortgaged homes are underwater.

Daily Chartbook #299

Daily Chartbook • 1414 implied HN points • 12 Oct 23
đź’° Finance Refinancing
  1. US Weekly mortgage applications rose despite increasing rates.
  2. Percentage of outstanding 30-year mortgages have incentives for refinancing.
  3. There's a geoeconomic risk discount applied to global equity markets.

December ICE Mortgage Monitor: Home Prices "Firmed" in November, Up 0.8% Year-over-year

CalculatedRisk Newsletter • 19 implied HN points • 08 Dec 25
đź’° Finance Refinancing
  1. Falling mortgage rates triggered a surge in refinances, lifting servicer refinance retention to a 3.5‑year high and making rate‑and‑term refinances the dominant activity; non‑bank servicers retained far more borrowers than banks.
  2. Mortgage performance strengthened as national delinquencies fell to about 3.34%, well below pre‑pandemic levels, although FHA loans remain an outlier with higher non‑current rates.
  3. Home prices firmed modestly with the ICE Home Price Index up 0.8% year‑over‑year in November, but gains are uneven — the Northeast and Midwest lead, the South and West lag, and single‑family homes are outperforming condos.
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