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A For Sale sign is posted in front of a property in Monterey Park, California on August 16, 2022.Frederic J. Brown | AFP | Getty Images

Mortgage interest rates fell for the third straight week, while mortgage demand also rose again.

Total application volume increased 7% last week compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) decreased to 6.2% from 6.23%, with points increasing to 0.69 from 0.67 (including the origination fee) for loans with a 20% down payment. That rate was just about half that one year ago.

Applications to refinance a home loan saw the sharpest gains, up 15%, compared with the previous week. They were still 77% lower than the same week a year ago, but that annual gain is now shrinking fast.

Mortgage applications to purchase a home rose 3% for the week but were 39% lower year over year. Homebuyers are still trickling back into the market, as house prices ease slightly. There is still, however, precious little to choose from with inventory low.

"Homebuying activity remains tepid, but if rates continue to fall and home prices cool further, we expect to see potential buyers come back into the market," said Joel Kan, an MBA economist. "Many have been waiting for affordability challenges to subside."

Mortgage rates have moved slightly higher to start this week, but are still well within the new lower range. Some real estate brokerages, like Redfin, are reporting an uptick in buyer interest with rates at these levels, but the housing market still seems to be in a holding pattern, as potential sellers and buyers sit tight, waiting to see where prices shake out.

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People never believe I’m 92 and look this good in a bikini – but I never diet and eat whatever I want

A GRANDMA has gone viral after revealing how old she really is, leaving people stunned.

Joan Woodhouse (@joansumner1930) has become somewhat of an internet sensation thanks to her youthful looks and immaculate skin - but the grandma has already entered her tenth decade and is 92.

5The 92-year-old grandma has gone viral on TikTok where people can't believe her ageCredit: tiktok.com/@joansumner1930 5Some demanded she showed her drivers license to prove her ageCredit: tiktok.com/@joansumner1930

Joan, who is mum to eight, the oldest of whom is already 72, regularly takes it to TikTok to show her stunning figure, posing in bikinis and summery outfits.

And whilst many might assume this is a result of dieting and a vigorous exercise regime, the grandma, who was born in the 1930s, has revealed it's not the case.

''I don't drink - only socially,'' Joan explained in a video, adding that this is usually just a beer.

''I don't like drinking anymore. I drank when I was young.''

Smoking is also no longer a part of the 92-year-old's daily life - the grandma quit the unhealthy habit around the age of 60.

''All the talk about it [lung cancer] frightened me, so I just quit smoking.''

Contrary to what people might think, Joan's diet does not consist only of heaps of fresh fruit and vegetables - the grandma is particularly fond of English food.

''I like pies, I like chips, I like stews - I like English food.

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''I like roast potatoes [...], I like stuff like that.

''I have carrots, cabbage nearly every day and sprouts - I love vegetables.''

Sharing her secrets, Joan explained that it's all to do with a stress-free life and not worrying too much.

''I never took life too seriously, I've been very, very lucky.

''I have eight children - they're all fit and well.

''I've got 18 grandchildren all fit and well. I've got ten great-grandchildren all fit and well.

''I think the best of everything, not the worst like some people.''

With her incredibly youthful looks, the 92-year-old has gone viral on social media, leaving internet users stunned.

''I just can’t understand this. I have never seen someone this age with such a strong voice/sharp mind and so healthy!!!'' one person was shocked.

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A second fan penned: ''Scientists need to investigate her genes they must be amazing. I think she’s lovely.''

''Do you look so good because you've avoided men? I swear they have aged me,'' a third chuckled.

5Joan regularly shares snaps of herself rocking bikinisCredit: tiktok.com/@joansumner1930 5Although she does love British food, Joan also makes sure to eat heaps of veggiesCredit: tiktok.com/@joansumner1930 5The woman was born in the 1930s and is a mum to eight children, the eldest of whom is 72Credit: tiktok.com/@joansumner1930 Topics
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