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For years, mortgage lenders and consumers have depended on West Valley Appraisal Services to provide high-quality value estimates on all sorts of real estate in Maricopa County. By continuously keeping up with local real estate trends and refreshing our knowledge regarding valuation techniques through accredited courses, we've been consistently able to generate reliable home valuations for people just like you.

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The Mortgage Reports:

Mortgage Rates Essentially Sideways at Recent Lows

4/15/2026 2:20 PM

On Tuesday, the average top-tier 30yr fixed mortgage rate hit the lowest level in exactly 4 weeks. If you"re not interested in splitting hairs, today"s rates are essentially the same. Although our official average is 0.01% higher, that"s such a small change that many of today"s rate quotes will look the same as yesterday"s. In the bigger pic...Read More

Lowest Mortgage Rates in 4 Weeks

4/14/2026 2:23 PM

Mortgage rates had their best day of the month so far with the top tier 30yr fixed rate falling 0.08% for the average lender to the lowest levels in exactly 4 weeks. Today"s improvement is a bit bigger than today"s bond market movement would suggest. The discrepancy is due to timing. Bonds were improving fairly steadily since yesterday morning and...Read More

Mortgage Rates Hold Steady Over The Weekend

4/13/2026 2:30 PM

Mortgage rates are based on movement in the bond market and although bonds experienced some volatility in response to Iran war news over the weekend, they ended up in similar territory to Friday morning. As such, it"s no surprise to see mortgage rates in similar territory as well. The average lender began the day 0.02% higher than Friday, bu...Read More

Mortgage Rates Remain Surprisingly Calm

4/10/2026 12:44 PM

If we"re splitting hairs, today"s average mortgage rates are technically higher than yesterday"s, but the change is so small that it"s just as fair to say that rates are flat. This closes out a week with surprisingly low volatility compared to that seen in March. In part, this can be attributed to longer-term oil prices being less volatile after m...Read More

Mortgage Rates Trickle Just a Bit Lower

4/9/2026 2:25 PM

Many borrowers will see no difference between yesterday and today"s mortgage rate quotes. The average lender moved just a hair lower. Once again, the rate market is responding to war-related headlines and their impact on oil prices. Rates don"t always care what oil prices are doing, but at present, there"s more correlation than normal due to the i...Read More

Mortgage Rates Only Slightly Lower After Ceasefire News

4/8/2026 2:27 PM

It"s a fluid situation in financial markets on Wednesday. The 2-week ceasefire in the Iran war caused a big reaction last night, but the benefit to the bond market (bonds dictate rates) has been increasingly wiped out during domestic hours. If we measure the reversal versus yesterday"s closing levels at 5pm ET, the reversal is almost complet...Read More

Mortgage Rates Little-Changed But Volatility Could Return Quickly

4/7/2026 2:14 PM

In stark contrast to the entire month of March, April"s mortgage rate volatility has been downright boring. To put this in context, the average top tier 30yr fixed rate rose a substantial 0.65% by March 27th. In the first five business days of April, they"ve held inside a range of just 0.04%. Today did nothing to expand that range although it did ...Read More

Mortgage Rates Steady to Slightly Lower

4/6/2026 2:11 PM

It was an uneventful day for mortgage rates with the average lender close enough to Friday"s levels that borrowers would not see much of a difference between the two days. The bond market (which underlies and dictates rate movement) was still in quasi-holiday mode as most overseas markets were closed for holidays. Financial markets (including bond...Read More

Mortgage Rates Are Actually Lower This Week

4/2/2026 2:12 PM

On any given Thursday, there"s a decent enough chance that the average mortgage rate headline will be unintentionally misleading. At issue is media reliance on the longstanding weekly mortgage rate surveys. If news stories are going to cite this data, that"s fine, but it"s critical to understand the methodology. Whether it"s MBA (reported yesterda...Read More