Motley Fool Money The Mortgage Market Gets its Groove Back
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Sep 11, 2025 
Matt Frankel and Jon Quast, seasoned investment analysts at The Motley Fool, dive into the revitalized mortgage market as interest rates drop, leading to a surge in refinancing applications. They discuss Oracle's astonishing backlog growth, indicating booming future demand, and the implications for AI. The duo also highlights the burgeoning influence of Exchange Traded Funds, outpacing stocks for the first time, while spotlighting exciting investment opportunities and crucial market dynamics.
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Mortgage Market Revival
- Mortgage rates fell to about 6.49% and refinancing demand surged sharply as a result.
- Refinancing rose 34% year-over-year and new loan activity also increased, driven by more inventory and lower rates.
When To Consider Refinancing
- Consider refinancing if you can lower your mortgage rate by roughly 0.5–0.75 percentage points.
- Rising home equity also makes tapping into value via HELOCs or refinancing more attractive now.
Macro Signals Point To Lower Rates
- Recent weaker jobs revisions and a falling PPI suggest inflation pressures are easing and may prompt Fed rate cuts.
- That macro backdrop aligns with expectations that mortgage rates could decline further in coming months.