Current Market Rates
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1. 30-year fixed rate mortgage (FRM) rate, weekly — Chart update 11/27/20
2. 30-year FRM rate, monthly — Chart update 11/27/20
3. 15-year FRM rate — Chart update 11/27/20
4. 5/1 adjustable rate mortgage (ARM) rate — Chart update 11/27/20
5. 10-year Treasury note rate — Chart update 11/27/20
6. Combined FRM and 10-year Treasury note rates — Chart update 11/27/20
7. 91-day Treasury bill rate — Chart update 11/13/20
8. 3-month Treasury bill — Chart update 11/06/20
9. 6-month Treasury bill — Chart update 11/06/20
10. Treasury Securities average yield — Chart update 11/20/20
11. 12-month Treasury average — Chart update 11/06/20
12. Cost of Funds Index — Chart update 11/20/20
13. London Inter-Bank Offered rate (LIBOR) — Chart update 11/13/20
14. Applicable federal rates — Chart update 11/13/20
The average 30-year fixed rate mortgage (FRM) rate remained at its historic low level in the week ending November 27, 2020, at 2.72%. The 15-year FRM rate also remained level at 2.28%. FRM rates recently descended to record lows due to efforts to stimulate lending during today’s recession. Beginning in March, the Federal Reserve (the Fed) dropped their benchmark interest rate to zero and began purchasing mortgage-backed securities (MBS), fulfilling their role as the lender of last resort to ensure mortgage originations continue. The Fed recently announced their intention to keep their benchmark interest rate near zero through at least 2023. READ MORE
Ralene Nelson, REALTOR®
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Home Searches in Cities Up 200% From Last Year
Reflecting Renewed Interest in Urban Areas After Pandemic-Driven Drop
The uptick in urban home searches closely trails a 235% increase in searches for homes in rural areas. Home prices were up by double digits in both neighborhood types, reflecting both continued interest in rural life and optimism about the return of city life as the pandemic persists.
Pageviews of homes in rural areas on Redfin.com increased 235% year over year in October. Although that’s a big bump, it’s a deceleration from a 273% peak in August. The story is similar in small towns, where pageviews rose 218% year over year in October—a major increase, but less of a boom than the 233% peak in September.
What Real Estate Has to Be Grateful For in 2020
No doubt, 2020 has been a uniquely challenging year. With unemployment still above pre-pandemic levels, the country coming to terms with longstanding racial inequities, Americans worrying about natural disasters and coming off a contentious national election, and the COVID-19 pandemic still raging, people are searching for reasons to feel gratitude this Thanksgiving.
The housing market has emerged as an economic bright spot. While the nation continues to feel the widespread effects from 2020’s turmoil, here are a few things the real estate industry can be grateful for this year.
The Best Shopping Websites for the 2020 Holiday Season
Can’t make it to the mall this holiday season? No worries! With countless virtual stores full of treasures ready to be wrapped, moving your shopping spree online is easier, and safer, than ever.
Whether you’re looking for a timeless piece of handcrafted jewelry for your best friend, a smart, stylish gadget for the tech-savvy guy on your list, or perfect ugly Christmas sweaters for the whole family, you can now buy them all from the comfort of your sofa thanks to the mighty powers of the Internet.
We’ve scoured the web and found the best online sites for Christmas shopping, so you can stock up on chic, unique presents while avoiding the festive crowds. They’re easy to use and replete with fresh gift ideas to suit all budgets, ages, and personalities on your list. And it’s not just the gifts themselves that set them apart, but also their excellent customer service (hello Nordstrom), amazing shipping & return policy (we’re looking at you, Zappos), and the straightforward shopping experience they provide.
Here’s our list of where to shop online this Christmas (sans face mask, hand sanitizer, or social distancing restrictions):
For the coolest men’s gifts, look no further than Huckberry. Meant to inspire an adventurous life, their picks range from exquisitely crafted apparel, superb leather goods, and cutting-edge tech to big boy’s toys like a handcrafted marshmallow crossbow. For inspiration, there’s a Whiskey Lover’s Wishlist filled with stylish drinking accessories, as well as one for those in love with American craftsmanship. If your brother, husband, father, or friend loves being on the road, you’ll find plenty of smart, well-designed travel accessories to simplify their trip as well.
Although Huckberry is a one-stop-shop for all things masculine, customers can also browse the beautiful women’s gift collection, packed with luxurious silk pajamas, affordable designer jewelry, and the ultimate organic skincare products.
If your Christmas list includes everything from fashion, home decor, and fancy beauty products to toys and pet accessories, you’d be hard-pressed to find a better place to do your holiday shopping than Nordstrom. Aside from being a never-ending source for gifts, the upscale US retailer has always been revered for its exemplary customer service and return policy. It also makes it easy to shop for the best gifts by recipient, price, or category. Oh, and their silver gift wrapping is legendary!
A mix of high-end brands and newer, emerging designer labels, along with free two-day shipping for Prime members, makes Shopbop one of the best shopping websites for the holiday season. You’ll find stylish clothing, shoes, bags, and accessories that fit a range of budgets, as well as chic home goods, interesting books, perfumed candles, and fitness kits. They have gift ideas for the entire family, a huge sale section, and their user-friendly interface also allows you to shop by designer or trends.
Known for its funky designs and stylish, bohemian aesthetics, it’s no wonder Anthropologie is one of the best websites to stock up on one-of-a-kind gifts for your favorite girls. There are sweet-smelling soaps for your trendy grandma, monogrammed jewelry for your BFF, silk pillowcases for the beauty maven on your list, and a wonderland of exotic home decor pieces for everyone else.
From unique vintage clothes to innovative gadgets and mid-century furniture, Urban Outfitters eclectic product mix makes it possible to do all your online Christmas shopping in one place. Explore their well-curated gifts section for women’s, men’s, home, and lifestyle presents that will put a little extra cheer underneath the tree this festive season. For those on a budget, UO’s under- $15 gift selection of cute beanies, velvet journals, cult beauty products, and gift-worthy books proves that chic presents don’t have to be expensive.
Eco-conscious silk blouses, affordable cashmere sweaters, classic Italian shoes… You can’t go wrong with a gift from Everlane, the San Francisco-born online store known for its ethically-sourced materials, timeless designs, and transparent, direct-to-consumer pricing. Their Gift Shop section is full of inspiring ideas for both him and her, at all price points.
Society6, a unique online marketplace where artists from around the world sell their printed artwork on a variety of products, is an awesome source for design-forward gifts. The site is brimming with colorful, creative goods spanning categories like wall art, home décor, apparel, and even tech and outdoors. Browse the gifts section for wonderful art prints, tasteful mugs, cozy throw blankets, and the most original phone/laptop cases. And, if you want to give your presents that extra special something, their Wrap Shop is worth exploring, as well.
Want to surprise your friends and family with some unique, unusual gifts these holidays? True to its name, Uncommon Goods is a treasure trove of creative finds from independent designers around the world. Whether you’re buying for foodies, sports enthusiasts, or your aunt, you’re bound to find something extraordinary for everyone on your list. And the best part, the gifts area is conveniently divided into categories based on price, recipient, and interest, for an easier shopping experience.
Etsy’s mesmerizing collection of vintage and handcrafted items makes it one of the best sites for Christmas shopping. From clothing and jewelry to art, toys, books, and home decor, this huge craft marketplace has anything and everything you may be looking for. We’re fans of their personalized gift ideas, which include fingerprint engraved jewelry, custom watercolor paintings, and all sorts of monogrammed leather goods.
If you want to knock everything off your Christmas shopping list in one place, nothing beats Amazon. The world’s largest online retailer offers pretty much anything for everyone, and their interactive gift-finder tool makes the process easier than you’d think.
You can search by recipient, category, interests, price, and so on. They even have an Oprah’s Favorite Things department, as well as a RED section where every purchase helps fight HIV/AIDS and global pandemics. On top of that, Amazon Interesting Finds is full of cool home gadgets, travel accessories, pet toys, and all kinds of fun, unique pieces – all shipped straight to your doorstep quicker than you can say “Santa”.
In the meantime, savvy shoppers may want to take advantage of Amazon’s Holiday Dash event, which ends on November 19 and offers tons of daily bargains on electronics, home goods, fashion, etc., and of course, its massive Black Friday and Cyber Monday deals.
If you’re seeking presents that spark joy, ban.do has you covered. This LA-based lifestyle brand is your one-stop-shop for all things cute, playful, and happiness-inducing. In addition to colorful tech and travel accessories, you’ll find an interesting Wellness Gifts area full of soothing candles, eye-opening books, and creative planners designed to help you become a better version of yourself.
With its friendly 24/7 customer service and free, fast shipping and returns, Zappos is the perfect place to shop for last-minute Christmas gifts. The famous online shoe store has footwear and apparel for the entire family, as well as expertly curated gifts spanning a range of prices and styles. Choose between cozy Winter Essentials, Picks for Sports Fans, Men’s Favorites, and Self-Care Musts. The aptly named Brands With a Cause section is where you’ll find goods from brands dedicated to charitable, sustainable, and vegan lifestyles.