#mortgage-rates

#mortgage-rates

High mortgage rates continue to hamper housing starts, limiting construction and sales momentum in the housing market.

In 2025, the housing market is challenged by high mortgage rates and prices, albeit experts don't predict a major crash.

Home equity in the U.S. reached a significant milestone, offering homeowners leverage despite ongoing economic challenges.

U.S. households need an average of $118,530 to afford homes amidst rising mortgage rates and increasing prices.

Active listings are at a five-year high, with growing economic concerns impacting buyer activity.

High mortgage rates deter buyers, causing existing-home sales to dip despite increased listings.

The income required for home purchase in the U.S. has increased by 70% over the last six years, intensifying housing affordability issues.

Mortgage rates may require a shift in labor market dynamics or lower Fed rates to fall below 6%.

The Fed's policies significantly influence the bond market, particularly the 10-year yield.

Resilience in the labor market indicates potential economic stability despite nearing recession.

Economic data showing improvement is leading to rises in mortgage rates and 10-year yields.

Mortgage spreads are currently increased, impacting rates as bond yields stabilize.

Trade deals could positively influence mortgage rates if negotiations succeed.

The Fed adjusts strategies based on inflation and employment data influenced by tariffs.

Rising inventory in Florida's housing market isn't leading to more home sales, indicating a shift in buyer dynamics influenced by mortgage rates.

Florida's housing market faces challenges with high costs and buyer reluctance as aid programs emerge for first-time buyers.

Mortgage rates and the 10-year yield have experienced volatility, yet there are signs of a stabilizing trend in the market.

Key economic indicators remain steady despite trade war uncertainties.

Mortgage pricing is expected to drop by about 10 basis points, but uncertainty remains high due to tariffs.

Markets are reacting negatively to tariff news, creating fears about future economic conditions.

The share of borrowers applying for adjustable-rate mortgages is at its highest level since November 2023.

ARMs offer lower initial interest rates, which may appeal to homebuyers seeking to reduce costs.

Mortgage rates are inching towards 7% amid rising Treasury yields, influenced by global trade tensions, with a notable increase seen this month.

Buying down a mortgage rate can be beneficial, but typically only if you plan to stay in your home for a long time.

Down payment expectations are changing; the traditional 20% is not strictly required.

First-time homebuyers currently face lower median down payments compared to repeat buyers.