To place an obituary, please include the information from the obituary checklist below in an email to obits@pioneerpress. com. There is no option to place them through our website at this time. Feel free to contact our obituary desk at 651-228-5263 with any questions. General Information: Your full name, Address (City, State, Zip Code), Phone number, And an alternate phone number (if any) Obituary Specification: Name of Deceased, Obituary Text, A photo in a JPEG or PDF file is preferable, TIF and other files are accepted, we will contact you if there are any issues with the photo. Ad Run dates There is a discount for running more than one day, but this must be scheduled on the first run date to apply. If a photo is used, it must be used for both days for the discount to apply, contact us for more information. Policies: Verification of Death: In order to publish obituaries a name and phone number of funeral home/cremation society is required. We must contact the funeral home/cremation society handling the arrangements during their business hours to verify the death. If the body of the deceased has been donated to the University of Minnesota Anatomy Bequest Program, or a similar program, their phone number is required for verification. Please allow enough time to contact them especially during their limited weekend hours. A death certificate is also acceptable for this purpose but only one of these two options are necessary. Guestbook and Outside Websites: We are not allowed to reference other media sources with a guestbook or an obituary placed elsewhere when placing an obituary in print and online. We may place a website for a funeral home or a family email for contact instead; contact us with any questions regarding this matter. Obituary Process: Once your submission is completed, we will fax or email a proof for review prior to publication in the newspaper. This proof includes price and days the notice is scheduled to appear. Please review the proof carefully. We must be notified of errors or changes before the notice appears in the Pioneer Press based on each day’s deadlines. After publication, we will not be responsible for errors that may occur after final proofing. Online: Changes to an online obituary can be handled through the obituary desk. Call us with further questions. Payment Procedure: Pre-payment is required for all obituary notices prior to publication by the deadline specified below in our deadline schedule. Please call 651-228-5263 with your payment information after you have received the proof and approved its contents. Credit Card: Payment accepted by phone only due to PCI (Payment Card Industry) regulations EFT: Check by phone. Please provide your routing number and account number. Rates: The minimum charge is $162 for the first 12 lines. Every line after the first 12 is $12. If the ad is under 12 lines it will be charged the minimum rate of $162. Obituaries including more than 40 lines will receive a 7. 5% discount per line. On a second run date, receive a 20% discount off both the first and second placement. Place three obituaries and the third placement will be free of charge. Each photo published is $125 per day. For example: 2 photos in the paper on 2 days would be 4 photo charges at $500. Deadlines: Please follow deadline times to ensure your obituary is published on the day requested. Hours Deadline (no exceptions) Ad Photos MEMORIAM (NON-OBITUARY) REQUEST Unlike an obituary, Memoriam submissions are remembrances of a loved one who has passed. The rates for a memoriam differ from obituaries. Please call or email us for more memoriam information Please call 651-228-5280 for more information. HOURS: Monday Friday 8: 00AM 5: 00PM (CLOSED WEEKENDS and HOLIDAYS) Please submit your memoriam ad to memoriams@pioneerpress. com or call 651-228-5280. By ALEX VEIGA, AP Business Writer The average rate on a 30-year U. S. mortgage edged higher for the third week in a row, though it remains close to its low point this year. The average long-term mortgage rate ticked up to 6. 26% from 6. 24% last week, mortgage buyer Freddie Mac said Thursday. A year ago, the rate averaged 6. 84%. Three weeks ago, the average rate was at 6. 17%, its lowest level in more than a year. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also inched up this week. The rate averaged 5. 54%, up from 5. 49% last week. A year ago, it was 6. 02%, Freddie Mac said. When mortgage rates rise they reduce homebuyers’ purchasing power. The average rate on a 30-year mortgage has been stuck above 6% since September 2022, the year mortgage rates began climbing from historic lows. That’s helped kept sales of previously occupied U. S. homes stuck at around a 4-million annual pace going back to 2023. Historically, sales have typically hovered around 5. 2 million a year. While sales have been sluggish this year, they received a boost this fall as mortgage rates eased, remaining below 6. 4% since early September. Last month, they accelerated to their fastest pace since February. Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation. They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans. The 10-year yield was at 4. 10% at midday Thursday. That’s down slightly from from a week ago, but up from around 3. 95% on Oct. 22. Mortgage rates began declining this summer ahead of the Federal Reserve’s decision in September to cut its main interest rate for the first time in a year amid signs the labor market was slowing. The Fed lowered its key interest rate again last month, although Fed Chair Jerome Powell cautioned that further rate cuts weren’t guaranteed. Wall Street traders have reduced their bets that the Fed will cut its main interest rate at its next meeting in December, now giving it a roughly 44% probability, according to data from CME Group. That’s down from nearly 70% a couple of weeks ago, but better than the 30% chance before the release Thursday of the delayed September jobs report. The central bank doesn’t set mortgage rates, and even when it cuts its short-term rates that doesn’t necessarily mean rates on home loans will necessarily decline.
https://www.twincities.com/2025/11/20/mortgage-rates-nov-20/
Average US long-term mortgage rate rises to 6.26%, the third straight increase
