Latest from HomyLoan
News, guides and insights to help you navigate home financing.
Mortgage and loan news
What's moving rates, home prices and loan programs, with sources for every figure.
Conventional ·
2027 conforming loan limits: what Texas borrowers should know
FHFA hasn't announced 2027 conforming loan limits as of Nov. 10, 2026. The 2026 limit is $832,750 in all 254 Texas counties. What to expect.
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Housing Market ·
2027 mortgage rate forecast: Fannie Mae sees 7.5%, MBA above 7%
Fannie Mae's October 2026 forecast sees 30-year rates averaging 7.5% in 2027; MBA expects them to stay above 7%. Here's what forecasters expect.
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Existing-home sales rise 1.5% in September; median hits $417,500
U.S. existing-home sales rose 1.5% to a 3.99 million pace in September 2026; the median price was $417,500 and supply held at 4.8 months, per NAR.
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Fed & Economy ·
Fed holds at 3.75%-4%: how it affects mortgage rates
The Fed held its rate at 3.75%-4.00% on Oct. 28, 2026 after a September hike. Mortgage rates track the 10-year Treasury more than the Fed's rate.
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FHA ·
FHA adds VantageScore 4.0 and FICO 10T for loans from Jan. 2027
FHA will accept VantageScore 4.0 and FICO 10T alongside Classic FICO for case numbers assigned on or after Jan. 1, 2027; 580 and 500 minimums stay.
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Housing Market ·
First-time buyers rise to 22%, median age 40: NAR 2026 Profile
NAR's 2026 Profile shows first-time buyers at 22% of purchases, median age 40, 9% median down payment. Texas buyers may tap up to 5% in state DPA.
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Rates ·
Mortgage rates dip to 7.18%: what it means for Texas buyers
Freddie Mac's 30-year average fell to 7.18% on Nov. 5, 2026, a third weekly drop, but it is still nearly a point above a year ago. Here's the trend.
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Housing Market ·
Refinance demand down 60% from 2025: who may still benefit
MBA: applications fell 1.2% in the week ending Oct. 30, 2026; refinances were 60% below a year ago. Who may still gain from refinancing at 7%.
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Texas ·
Texas home prices dip 0.4% in Q3 2026 as inventory grows
Texas' Q3 2026 median home price slipped 0.4% to $333,628 while listings rose 2.8% and supply hit 5.5 months, giving buyers more room to negotiate.
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VA ·
VA partial claim deadline Nov. 28: what it means for Texas vets
VA servicers must add the new VA Partial Claim Program by Nov. 28, 2026. It can cover missed payments after a 3-month trial plan, repaid at sale or payoff.
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