503-799-3711 • workshopteam@rate.com • The Workshop Team @ Rate
Let’s get into the weeds

The bond market leads the way and mortgage rates follow. Bond yields drive rates, which are driven by a constant stream of economic data. Keep tabs on the bond market and rates here.

Mortgage Rate Watch

Pulse Check on Today’s Mortgage Rates

Your real-time rate radar with expert commentary on what’s driving the market. Updated throughout the day so you can see what’s happening right now.

Mortgage-Backed Securities & US Treasury Markets

Meet Your Real Lender

Every borrower needs a lender. For mortgages, the lender is the bond market — specifically, mortgage-backed securities (MBS). What drives the bond market drives mortgage rates. This feed pulls back the curtain and gives you a live look at what’s behind today’s rates with color commentary from industry pros.

Housing & Mortgage Market Weekly

Your Weekly Market Recap

Updated every Friday with fresh analysis of housing and mortgage market trends, recent data, and a peek at the economic calendar. Delivered straight to your inbox if you subscribe here.

What does the Magic Rate-Ball think?

We get asked every day where rates are headed.

We can tell you what’s driving the market, what trends we’re watching, and when potentially market-moving data is due. But predict the future? Not even our spreadsheets are that good. So go ahead — ask the Interest Rate-Ball*. Fortune favors the curious…

Mortgage Rate
Magic 8-Ball

Enter a question, then hit return to receive the Magic Rate-Ball’s wisdom.

Glossary of mortgage terms

We also have a glossary of loan terminology. We know there are a lot of jargon, acronyms, and abstract concepts standing between you and your new home. This is a great place to start demystifying the process!

Check out the glossary

The Workshop Team blog

Find us on YouTube!

We have a growing knowledge base of videos covering every aspect of the mortgage process. Whether you’re a first-time buyer or a seasoned investor, self-employed, going through a divorce, starting to plan or already in the middle of your purchase, we are working to demystify the mortgage process and share what we’ve learned over decades.

When you’re done exploring, don’t forget to subscribe so you don’t miss new videos!

Subscribe to start learning

Planning to purchase a home, and wondering what you need to know, but aren’t sure what questions to even ask? This comprehensive video is a beginner’s guide to income, assets, and credit.

This video guide will walk you through how temporary buydowns actually work, as well as the pros and cons, and an alternative, if you decide a buydown is not for you.

Discount Points are a very important (and related) topic, so be sure to watch our comprehensive video explainer! It goes over what they are, why they matter, and whether you want them.

Explore our PDF library…

We have a library of PDFs that you can download, with in-depth explanations of some of the more mystifying parts of the mortgage process.

Gift Funds: Your Guide to Documentation, processing, underwriting

Downloadable PDF

Gift Fund
Documentation

FICO scores, credit bureaus, credit score improvement, processing, underwriting

Downloadable PDF

Your FICO
scores

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The Workshop Team are Employees of Rate, Inc.