{"id":107,"date":"2026-10-15T16:00:00","date_gmt":"2026-10-15T16:00:00","guid":{"rendered":"https:\/\/www.louiseandbernie.com\/blog\/?p=107"},"modified":"2026-10-15T16:00:00","modified_gmt":"2026-10-15T16:00:00","slug":"refinancing-fades-as-home-equity-surges","status":"publish","type":"post","link":"https:\/\/www.louiseandbernie.com\/blog\/2026\/10\/15\/refinancing-fades-as-home-equity-surges\/","title":{"rendered":"Refinancing Fades as Home Equity Surges"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/louise-lamy-1690535\/mortgage-equity-refinancing-remotion-videos-7d98\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Late-Q3 mortgage rates moved near 7% after a quarter-point central bank hike to ~4%, making refinances tougher for homeowners who locked lower first mortgages earlier.<br \/>\nApplication activity reflected that shift: refinance requests \u2193~9% in the prior week, purchase requests \u2193~1%, total demand \u2193~4%, and refis were ~39% of applications.<br \/>\nOver the 3 mo through Mid-Q3 2026, one inquiry index showed refis at ~2%, down from ~39% yearly, while home-equity products reached ~76%.<br \/>\nEquity demand kept building: Mid-Q3 inquiry volume ran \u2191~11% MoM and &gt;150% yearly, while 30-yr lender gaps exceeded 1 point, or ~$333 monthly on $400K.<br \/>\nLate-Q3 also brought softer builder sentiment, with the index at its lowest since 2025, while the 10-yr Treasury topped ~5%, keeping mortgage swings in focus.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Late-Q3 mortgage rates moved near 7% after a quarter-point central bank hike to ~4%, making refinances tougher for homeowners who locked lower first mortgages earlier. Application activity reflected that shift: refinance requests \u2193~9% in the prior week, purchase requests \u2193~1%, total demand \u2193~4%, and refis were ~39% of applications. Over the 3 mo through Mid-Q3 [&hellip;]<\/p>\n","protected":false},"author":233,"featured_media":108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/posts\/107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/users\/233"}],"replies":[{"embeddable":true,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/comments?post=107"}],"version-history":[{"count":1,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/posts\/107\/revisions"}],"predecessor-version":[{"id":109,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/posts\/107\/revisions\/109"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/media\/108"}],"wp:attachment":[{"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/media?parent=107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/categories?post=107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.louiseandbernie.com\/blog\/wp-json\/wp\/v2\/tags?post=107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}