Mortgage & Market Updates

A rate buydown lets you pay upfront to lower your mortgage rate, either for a few years or for the life of the loan. Here is how temporary and permanent buydowns actually work, who should pay for them, and how to decide if one is worth it for buyers in Vancouver, Clark County, and the greater Portland metro.

The average 30-year fixed dropped to 6.69% as of August 13, 2026, its lowest in nearly four weeks, per Mortgage News Daily, as a soft inflation reading, falling oil, and a weak jobs report pulled the 10-year Treasury yield lower. Here is where 30-year, 15-year, FHA, VA and jumbo rates stand, plus a look at stocks, yields, the Fed, and what it all means for buyers and homeowners.

FHA and conventional are the two loans most buyers choose between in Clark County and the Portland metro. Here is how they actually differ on down payment, credit, mortgage insurance, and cost, plus how to pick the one that fits your situation.

The average 30-year fixed sits at 6.77% as of August 6, 2026 after a small uptick, per Mortgage News Daily, as rising oil prices and a steady economy pushed the 10-year Treasury yield higher. Here is where 30-year, 15-year, FHA, VA and jumbo rates stand, plus a look at stocks, yields, the Fed, and what it all means for buyers and homeowners.

The 20 percent down payment is a myth. Here is what conventional, FHA, VA, and USDA loans actually require, how to decide how much to put down, and the other cash you need to buy a home in Clark County and the Portland metro.

The average 30-year fixed eased to 6.77% on July 30, 2026 as the bond market steadied after the Fed's latest meeting, per Mortgage News Daily. Here is where 30-year, 15-year, FHA, VA and jumbo rates stand and what it means for buyers and homeowners.

The average 30-year fixed eased slightly to 6.81% on July 24, 2026 after hitting its highest level in over a year, per Mortgage News Daily. Here is where 30-year, 15-year, FHA, VA and jumbo rates stand and what it means for buyers and homeowners.