Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Mortgage rates spent much of 2025 drifting lower, hitting three-year lows more than once. Recently, we even saw several windows where buyers and refinancers could lock in rates below 6%. Yes, that’s ...

In the interest rate environment of 2020 and 2021, cash-out refinancing or a traditional refinance made a lot of sense for homeowners in need of extra funding. The latter allowed them to obtain that ...

U.S. refinance rates moved higher on December 2 as lenders lifted pricing across fixed-rate products. The national average 30-year fixed refinance rate climbed to roughly 6.75% to 6.77%. The move ends ...