{"id":61746,"date":"2025-12-11T03:00:22","date_gmt":"2025-12-11T02:00:22","guid":{"rendered":"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/"},"modified":"2025-12-11T03:00:22","modified_gmt":"2025-12-11T02:00:22","slug":"november-mortgage-lock-data-driven-by-strong-refinance-activity","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/","title":{"rendered":"\u0414\u0430\u043d\u043d\u044b\u0435 \u043f\u043e \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u043c \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u0441\u0442\u0430\u0432\u043a\u0430\u043c \u0437\u0430 \u043d\u043e\u044f\u0431\u0440\u044c \u043e\u0431\u0443\u0441\u043b\u043e\u0432\u043b\u0435\u043d\u044b \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c\u044e \u0432 \u0441\u0444\u0435\u0440\u0435 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f."},"content":{"rendered":"<div>\n<p><strong>\u041e\u043f\u0442\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u0438\u043d\u0438\u0439<\/strong> \u0412 \u0441\u0440\u0435\u0434\u0443 \u0431\u044b\u043b \u043e\u043f\u0443\u0431\u043b\u0438\u043a\u043e\u0432\u0430\u043d \u043e\u0442\u0447\u0435\u0442 Market Advantage \u0437\u0430 \u043d\u043e\u044f\u0431\u0440\u044c 2025 \u0433\u043e\u0434\u0430, \u0432 \u043a\u043e\u0442\u043e\u0440\u043e\u043c \u0433\u043e\u0432\u043e\u0440\u0438\u0442\u0441\u044f, \u0447\u0442\u043e \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u0444\u0438\u043a\u0441\u0430\u0446\u0438\u0438 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u0437\u0430\u043c\u0435\u0434\u043b\u0438\u043b\u0430\u0441\u044c \u0438\u0437-\u0437\u0430 \u0442\u0438\u043f\u0438\u0447\u043d\u043e\u0439 \u0434\u043b\u044f \u043f\u043e\u0437\u0434\u043d\u0435\u0439 \u043e\u0441\u0435\u043d\u0438 \u0441\u0435\u0437\u043e\u043d\u043d\u043e\u0441\u0442\u0438, \u043d\u043e \u0432\u0441\u0435 \u0436\u0435 \u043f\u043e\u043a\u0430\u0437\u0430\u043b\u0430 \u0441\u0430\u043c\u044b\u0435 \u0432\u044b\u0441\u043e\u043a\u0438\u0435 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0438 \u0432 \u043d\u043e\u044f\u0431\u0440\u0435 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0447\u0435\u0442\u044b\u0440\u0435 \u0433\u043e\u0434\u0430.<\/p>\n<p>\u041e\u0431\u0449\u0438\u0439 \u043e\u0431\u044a\u0435\u043c \u0448\u043b\u044e\u0437\u043e\u0432\u044b\u0445 \u0440\u0430\u0431\u043e\u0442 \u0441\u043d\u0438\u0437\u0438\u043b\u0441\u044f \u043d\u0430 251 \u0442\u044b\u0441. \u0442\u043e\u043d\u043d \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u043e\u043a\u0442\u044f\u0431\u0440\u0435\u043c, \u043d\u043e \u0432\u044b\u0440\u043e\u0441 \u043d\u0430 171 \u0442\u044b\u0441. \u0442\u043e\u043d\u043d \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u043d\u043e\u044f\u0431\u0440\u0435\u043c 2024 \u0433\u043e\u0434\u0430, \u0447\u0442\u043e \u043e\u0431\u0443\u0441\u043b\u043e\u0432\u043b\u0435\u043d\u043e \u0441\u0438\u043b\u044c\u043d\u044b\u043c\u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u044f\u043c\u0438. <a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-applications-rise-december\/\">\u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u0442\u044c<\/a> \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c \u0438 <a href=\"https:\/\/www.housingwire.com\/mortgage-rates\/\">\u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c<\/a> \u041e\u0431\u044a\u0435\u043c \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u043a\u043e\u043b\u0435\u0431\u043b\u044e\u0449\u0438\u0439\u0441\u044f \u043e\u043a\u043e\u043b\u043e 61 \u0442\u044b\u0441. \u0434\u043e\u043b\u043b. \u0421\u0428\u0410 \u0437\u0430 \u0442\u0440\u0438 \u043c\u0435\u0441\u044f\u0446\u0430, \u0432\u044b\u0440\u043e\u0441 \u043d\u0430 2231 \u0442\u044b\u0441. \u0434\u043e\u043b\u043b. \u0421\u0428\u0410 \u0437\u0430 \u0442\u0440\u0438 \u043c\u0435\u0441\u044f\u0446\u0430 \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0447\u043d\u044b\u043c \u043f\u0435\u0440\u0438\u043e\u0434\u043e\u043c \u043f\u0440\u043e\u0448\u043b\u043e\u0433\u043e \u0433\u043e\u0434\u0430, \u043d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u043f\u0438\u043a\u043e\u043c \u0432 \u0441\u0435\u043d\u0442\u044f\u0431\u0440\u0435, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u043e\u0431\u044a\u0435\u043c \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435\u043c \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0441\u044f \u043d\u0430 291 \u0442\u044b\u0441. \u0434\u043e\u043b\u043b. \u0421\u0428\u0410 \u0437\u0430 \u0442\u0440\u0438 \u043c\u0435\u0441\u044f\u0446\u0430.<\/p>\n<p>\u041e\u0431\u044a\u0435\u043c\u044b \u043f\u0440\u043e\u0434\u0430\u0436 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0446\u0435\u043d\u043e\u0439 \u0441\u043d\u0438\u0437\u0438\u043b\u0438\u0441\u044c \u043d\u0430 221 \u0442\u0440\u043b\u043d 3 \u0442\u0440\u043b\u043d \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u043e\u043a\u0442\u044f\u0431\u0440\u0435\u043c \u0438 \u043d\u0430 61 \u0442\u0440\u043b\u043d 3 \u0442\u0440\u043b\u043d \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0447\u043d\u044b\u043c \u043f\u0435\u0440\u0438\u043e\u0434\u043e\u043c \u043f\u0440\u043e\u0448\u043b\u043e\u0433\u043e \u0433\u043e\u0434\u0430, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0438 \u043f\u0438\u043a\u0430. <a href=\"https:\/\/www.housingwire.com\/articles\/how-to-think-about-home-prices-for-the-rest-of-2025\/\">\u0446\u0435\u043d\u044b \u043d\u0430 \u0436\u0438\u043b\u044c\u0435<\/a> \u0438 \u043d\u0438\u0437\u043a\u0438\u0439 <a href=\"https:\/\/www.housingwire.com\/articles\/housing-inventory\/\">\u0443\u0440\u043e\u0432\u043d\u0438 \u0437\u0430\u043f\u0430\u0441\u043e\u0432<\/a> \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0430\u0435\u0442 \u0441\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0442\u044c \u0441\u043f\u0440\u043e\u0441, \u0441\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u0434\u0430\u043d\u043d\u044b\u043c. <a href=\"https:\/\/engage.optimalblue.com\/hubfs\/Market-Advantage\/November2025.pdf\">\u043e\u0442\u0447\u0435\u0442<\/a>.<\/p>\n<p>\u0418\u043d\u0434\u0435\u043a\u0441 \u043e\u043f\u0442\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 Blue Mortgage Market Indices (OBMMI) \u2014 30-\u043b\u0435\u0442\u043d\u0438\u0439 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u044b\u0439 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439 \u2014 \u044d\u0442\u0430\u043b\u043e\u043d \u0434\u043b\u044f <strong>\u0413\u0440\u0443\u043f\u043f\u0430 CME<\/strong>\u0424\u044c\u044e\u0447\u0435\u0440\u0441\u044b \u043d\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u0432 \u043d\u043e\u044f\u0431\u0440\u0435 \u0441\u043d\u0438\u0437\u0438\u043b\u0438\u0441\u044c \u043d\u0430 1 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0439 \u043f\u0443\u043d\u043a\u0442 \u0434\u043e 6,141 TP3T, \u0447\u0442\u043e \u043d\u0430 53 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u0430 \u0432\u044b\u0448\u0435, \u0447\u0435\u043c \u0433\u043e\u0434\u043e\u043c \u0440\u0430\u043d\u0435\u0435.<\/p>\n<p><strong><strong>\u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435\u00a0<\/strong><\/strong>\u0421\u0442\u0430\u0432\u043a\u0438 (FHA) \u0441\u043d\u0438\u0437\u0438\u043b\u0438\u0441\u044c \u0434\u043e 5,99%, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a <strong><strong>\u0414\u0435\u043f\u0430\u0440\u0442\u0430\u043c\u0435\u043d\u0442 \u0421\u0428\u0410 \u043f\u043e \u0434\u0435\u043b\u0430\u043c \u0432\u0435\u0442\u0435\u0440\u0430\u043d\u043e\u0432<\/strong>\u00a0<\/strong>\u0421\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u044f\u043c VA \u0438 Jumbo \u0432\u044b\u0440\u043e\u0441\u043b\u0438 \u0434\u043e 5,761 TP3T \u0438 6,441 TP3T \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e. \u0422\u0435\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0435\u043c \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c 10-\u043b\u0435\u0442\u043d\u0438\u0445 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439 \u0441\u043d\u0438\u0437\u0438\u043b\u0430\u0441\u044c \u0434\u043e 41 TP3T, \u0447\u0442\u043e \u043f\u0440\u0438\u0432\u0435\u043b\u043e \u043a \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044e \u0440\u044b\u043d\u043a\u0430. <a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-spreads-housing-demand-2025\/\">\u0420\u0430\u0437\u043d\u0438\u0446\u0430 \u043c\u0435\u0436\u0434\u0443 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u043c\u0438 \u0441\u0442\u0430\u0432\u043a\u0430\u043c\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435<\/a> \u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e \u043d\u0430 10 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u043e\u0432, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u0438\u043d\u0434\u0435\u043a\u0441 OBMMI \u043e\u0441\u0442\u0430\u0432\u0430\u043b\u0441\u044f \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u043c.<\/p>\n<p>\u00ab\u0414\u0430\u043d\u043d\u044b\u0435 \u0437\u0430 \u043d\u043e\u044f\u0431\u0440\u044c \u043f\u043e\u0434\u0447\u0435\u0440\u043a\u0438\u0432\u0430\u044e\u0442, \u0447\u0442\u043e \u0440\u044b\u043d\u043e\u043a \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0440\u0435\u0430\u0433\u0438\u0440\u0443\u0435\u0442 \u043d\u0430 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a, \u0434\u0430\u0436\u0435 \u043d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u043f\u0440\u043e\u044f\u0432\u043b\u0435\u043d\u0438\u0435 \u0441\u0435\u0437\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u043b\u0435\u0431\u0430\u043d\u0438\u0439\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u043e\u043d. <a href=\"https:\/\/www.housingwire.com\/podcast\/mike-vough-on-taking-advantage-of-refi-opportunities\/\">\u041c\u0430\u0439\u043a \u0412\u043e\u0443\u0433<\/a>\u00ab\u0420\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043e\u0441\u0442\u0430\u0435\u0442\u0441\u044f \u044f\u0432\u043d\u044b\u043c \u043b\u0438\u0434\u0435\u0440\u043e\u043c, \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u0441\u0442\u0430\u0432\u043a\u0430\u043c \u0438 \u0441\u0440\u043e\u043a\u0430\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u043e\u043b\u0435\u0435 \u0447\u0435\u043c \u0432\u0442\u0440\u043e\u0435 \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u043b\u0430 \u043f\u0440\u043e\u0448\u043b\u043e\u0433\u043e\u0434\u043d\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c, \u0430 \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0430\u044e\u0442 \u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u0442\u044c \u043b\u0443\u0447\u0448\u0438\u0435 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b. \u041d\u043e\u044f\u0431\u0440\u044c \u0431\u044b\u043b \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0441\u0438\u043b\u044c\u043d\u044b\u043c \u043f\u043e \u043b\u044e\u0431\u044b\u043c \u043c\u0435\u0440\u043a\u0430\u043c\u00bb.<\/p>\n<p>\u041a\u0430\u043a \u043e\u0442\u043c\u0435\u0442\u0438\u043b \u0412\u043e\u0443\u0433, \u043d\u0430 \u0432\u0442\u043e\u0440\u0438\u0447\u043d\u043e\u043c \u0440\u044b\u043d\u043a\u0435 \u0432 \u043d\u043e\u044f\u0431\u0440\u0435 \u0442\u0430\u043a\u0436\u0435 \u043f\u0440\u043e\u0438\u0437\u043e\u0448\u043b\u0438 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u043e\u0431\u0449\u0435\u0439 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u0438\u0441\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0441\u0434\u0435\u043b\u043e\u043a. <\/p>\n<p>\u00ab\u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b \u043f\u0435\u0440\u0435\u0448\u043b\u0438 \u043a \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044e \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 <a href=\"https:\/\/www.housingwire.com\/articles\/splitero-home-equity-investment-securitization\/\">\u0441\u0435\u043a\u044c\u044e\u0440\u0438\u0442\u0438\u0437\u0430\u0446\u0438\u044f<\/a> \u0414\u0438\u043d\u0430\u043c\u0438\u043a\u0430 \u0437\u0430\u043c\u0435\u0434\u043b\u0438\u043b\u0430\u0441\u044c, \u0430 \u0446\u0435\u043d\u043e\u0432\u044b\u0435 \u0441\u043f\u0440\u0435\u0434\u044b \u0440\u0430\u0441\u0448\u0438\u0440\u0438\u043b\u0438\u0441\u044c, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0432\u0441\u0435 \u0431\u043e\u043b\u044c\u0448\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u043f\u0435\u0440\u0435\u0448\u043b\u043e \u0438\u0437 \u0432\u044b\u0441\u0448\u0435\u0433\u043e \u044d\u0448\u0435\u043b\u043e\u043d\u0430.<\/p>\n<p>\u041e\u0431\u044a\u0435\u043c\u044b \u043f\u043e\u0441\u0442\u0430\u0432\u043e\u043a \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433, \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u043d\u044b\u0445 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c\u0438 \u0430\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u0430\u043c\u0438, \u0441\u043d\u0438\u0437\u0438\u043b\u0438\u0441\u044c \u043d\u0430 100 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u043e\u0432 \u0434\u043e 451 \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432 \u043f\u043e\u0441\u043b\u0435 \u0448\u0435\u0441\u0442\u0438 \u043c\u0435\u0441\u044f\u0446\u0435\u0432 \u0440\u043e\u0441\u0442\u0430. \u0414\u043e\u043b\u044f \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440\u043e\u0432 \u0443\u043f\u0430\u043b\u0430 \u043d\u0430 300 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u043e\u0432 \u0434\u043e 271 \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u043e\u0431\u044a\u0435\u043c\u044b \u0438\u0441\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0441\u0434\u0435\u043b\u043e\u043a \u043f\u043e \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0443 \u00ab\u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0445 \u0443\u0441\u0438\u043b\u0438\u0439\u00bb \u0432\u044b\u0440\u043e\u0441\u043b\u0438 \u0434\u043e 31 \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432. \u0426\u0435\u043d\u044b \u0442\u0430\u043a\u0436\u0435 \u0441\u043d\u0438\u0437\u0438\u043b\u0438\u0441\u044c \u2014 \u0434\u043e\u043b\u044f \u0446\u0435\u043d\u043e\u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0432\u0435\u0440\u0445\u043d\u0435\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f \u0443\u043f\u0430\u043b\u0430 \u0434\u043e 791 \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432, \u0430 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043f\u0440\u0430\u0432 \u043d\u0430 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u043d\u0430 30 \u043b\u0435\u0442 \u0441\u043d\u0438\u0437\u0438\u043b\u0430\u0441\u044c. <a href=\"https:\/\/www.housingwire.com\/articles\/2026-conforming-loan-limit\/\">\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b<\/a> \u0441\u043d\u0438\u0437\u0438\u043b\u0441\u044f \u043d\u0430 3 \u0431\u0430\u0437\u0438\u0441\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u0430 \u0434\u043e 1,09%.<\/p>\n<p>\u0420\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u043b\u043e 351 TP3T \u043e\u0442 \u0432\u0441\u0435\u0445 \u0437\u0430\u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0441\u0443\u043c\u043c. \u041d\u0435\u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0430\u044f \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u0438\u043f\u043e\u0442\u0435\u043a\u0430 (<a href=\"http:\/\/l\/\">\u043d\u0435-QM<\/a>\u0414\u043e\u043b\u044f \u043f\u0440\u043e\u0434\u0443\u043a\u0446\u0438\u0438 \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0430 \u0440\u0435\u043a\u043e\u0440\u0434\u043d\u043e\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f \u0432 91 TP3T, \u0447\u0435\u043c\u0443 \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u043e\u0432\u0430\u043b\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u044b \u0438 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f \u0434\u043e\u043b\u0433\u0430.<a href=\"https:\/\/www.housingwire.com\/articles\/rocket-pro-dscr-product\/\">\u0414\u0421\u041a\u0420<\/a>\u041a\u0440\u0435\u0434\u0438\u0442\u044b. \u041f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430\u043c FHA \u0438 \u043d\u0435\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c \u0432\u044b\u0440\u043e\u0441\u043b\u0438, \u0447\u0435\u043c\u0443 \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u043e\u0432\u0430\u043b\u0438 \u0441\u0442\u0430\u0432\u043a\u0438 FHA \u043d\u0438\u0436\u0435 6%, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u0434\u043e\u043b\u044f \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c \u043d\u0430 \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e \u0436\u0438\u043b\u044b\u0445 \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043e\u0432 (PUD) \u043d\u0435\u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0430\u0441\u044c, \u043d\u043e \u043e\u0441\u0442\u0430\u043b\u0430\u0441\u044c \u043d\u0438\u0436\u0435 \u043f\u0440\u043e\u0448\u043b\u043e\u0433\u043e\u0434\u043d\u0438\u0445 \u0432\u044b\u0441\u043e\u043a\u0438\u0445 \u0443\u0440\u043e\u0432\u043d\u0435\u0439.<\/p>\n<p>\u041f\u0440\u043e\u0444\u0438\u043b\u0438 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0438 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u043e\u0432 \u0442\u0430\u043a\u0436\u0435 \u0438\u0437\u043c\u0435\u043d\u0438\u043b\u0438\u0441\u044c. \u0414\u043e\u043b\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 FHA \u0432\u044b\u0440\u043e\u0441\u043b\u0430 \u0434\u043e 18,81 \u0442\u044b\u0441. \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432, \u0430 \u0434\u043e\u043b\u044f \u043d\u0435\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u2014 \u0434\u043e 171 \u0442\u044b\u0441. \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432. \u041d\u0430 \u0434\u043e\u043b\u044e \u0433\u0440\u0430\u0436\u0434\u0430\u043d \u0421\u0428\u0410 \u043f\u0440\u0438\u0448\u043b\u043e\u0441\u044c \u043f\u043e\u0447\u0442\u0438 941 \u0442\u044b\u0441. \u0442\u0440\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432. \u0412 \u0441\u0440\u0435\u0434\u043d\u0435\u043c <a href=\"https:\/\/www.housingwire.com\/videos\/rikard-bandebo-on-the-future-of-credit-scoring-competition-and-housing-access\/\">\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u0431\u0430\u043b\u043b\u044b<\/a> \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0441\u043d\u0438\u0437\u0438\u043b\u0441\u044f \u0434\u043e 733, \u0430 \u0441\u0440\u0435\u0434\u043d\u044f\u044f \u0441\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0443\u043f\u0430\u043b\u0430 \u0434\u043e $391,323, \u0432\u0430\u0440\u044c\u0438\u0440\u0443\u044f\u0441\u044c \u043e\u0442 $592,129 \u0432 \u043f\u0440\u0435\u0434\u044b\u0434\u0443\u0449\u0435\u043c \u043f\u0435\u0440\u0438\u043e\u0434\u0435. <a href=\"https:\/\/www.housingwire.com\/articles\/mamdani-nyc-real-estate-impact\/\">\u041d\u044c\u044e-\u0419\u043e\u0440\u043a<\/a> \u043c\u0435\u0442\u0440\u043e\u043f\u043e\u043b\u0438\u0442\u0435\u043d\u0441\u043a\u0438\u0439 \u0440\u0430\u0439\u043e\u043d \u0434\u043e $295,526 \u0432 <a href=\"https:\/\/www.housingwire.com\/articles\/indianapolis-housing-market-trends-2025\/\">\u0418\u043d\u0434\u0438\u0430\u043d\u0430\u043f\u043e\u043b\u0438\u0441<\/a>.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Optimal Blue on Wednesday released its November 2025 Market Advantage report, which revealed that mortgage rate-lock activity slowed with typical late-fall seasonality but still posted the strongest November in four years. Total lock volume fell 25% from October but was up 17% from November 2024, driven by strong refinance activity and mortgage rates hovering near [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-61746","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>November mortgage lock data driven by strong refinance activity - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"November mortgage lock data driven by strong refinance activity\" \/>\n<meta property=\"og:description\" content=\"Optimal Blue on Wednesday released its November 2025 Market Advantage report, which revealed that mortgage rate-lock activity slowed with typical late-fall seasonality but still posted the strongest November in four years. Total lock volume fell 25% from October but was up 17% from November 2024, driven by strong refinance activity and mortgage rates hovering near [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.com\/ru\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-11T02:00:22+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/housesmarketplace.com\/#website\",\"url\":\"https:\/\/housesmarketplace.com\/\",\"name\":\"Houses Marketplace\",\"description\":\"International Real Estate\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/housesmarketplace.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#webpage\",\"url\":\"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/\",\"name\":\"November mortgage lock data driven by strong refinance activity - Houses Marketplace\",\"isPartOf\":{\"@id\":\"https:\/\/housesmarketplace.com\/#website\"},\"datePublished\":\"2025-12-11T02:00:22+00:00\",\"dateModified\":\"2025-12-11T02:00:22+00:00\",\"author\":{\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\"},\"breadcrumb\":{\"@id\":\"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/housesmarketplace.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"November mortgage lock data driven by strong refinance activity\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/housesmarketplace.com\/#personlogo\",\"inLanguage\":\"ru-RU\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/housesmarketplace.com\/ru\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"November mortgage lock data driven by strong refinance activity - Houses Marketplace","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/housesmarketplace.com\/ru\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/","og_locale":"ru_RU","og_type":"article","og_title":"November mortgage lock data driven by strong refinance activity","og_description":"Optimal Blue on Wednesday released its November 2025 Market Advantage report, which revealed that mortgage rate-lock activity slowed with typical late-fall seasonality but still posted the strongest November in four years. Total lock volume fell 25% from October but was up 17% from November 2024, driven by strong refinance activity and mortgage rates hovering near [&hellip;]","og_url":"https:\/\/housesmarketplace.com\/ru\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/","og_site_name":"Houses Marketplace","article_published_time":"2025-12-11T02:00:22+00:00","twitter_card":"summary_large_image","twitter_misc":{"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c":"admin","\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"2 \u043c\u0438\u043d\u0443\u0442\u044b"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/housesmarketplace.com\/#website","url":"https:\/\/housesmarketplace.com\/","name":"Houses Marketplace","description":"International Real Estate","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/housesmarketplace.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ru-RU"},{"@type":"WebPage","@id":"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#webpage","url":"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/","name":"November mortgage lock data driven by strong refinance activity - Houses Marketplace","isPartOf":{"@id":"https:\/\/housesmarketplace.com\/#website"},"datePublished":"2025-12-11T02:00:22+00:00","dateModified":"2025-12-11T02:00:22+00:00","author":{"@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d"},"breadcrumb":{"@id":"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/housesmarketplace.com\/november-mortgage-lock-data-driven-by-strong-refinance-activity\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/housesmarketplace.com\/"},{"@type":"ListItem","position":2,"name":"November mortgage lock data driven by strong refinance activity"}]},{"@type":"Person","@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/housesmarketplace.com\/#personlogo","inLanguage":"ru-RU","url":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/housesmarketplace.com\/ru\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/61746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/comments?post=61746"}],"version-history":[{"count":0,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/61746\/revisions"}],"wp:attachment":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/media?parent=61746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/categories?post=61746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/tags?post=61746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}