#mortgage-spreads tag

1 week ago

SF real estate

Mortgage rates are at yearly highs, but housing demand is still positive

3 weeks ago

SF real estate

Mortgage spreads are the only thing keeping rates under 7%

Real estate

Mortgage rates drop below 6% after Trump's MBS announcement

Mortgage rates dip, experts see steady 2026 ahead

Mortgage rates fell in 2025 to about 6.2–6.4%, driven by Fed cuts, lower 10-year yields, narrower mortgage spreads, and increased refinancing activity.

Mortgage purchase applications near 3-year high as spreads improve

Mortgage purchase applications strengthened markedly when mortgage rates fell below 6.64% and approached 6%, delivering sustained weekly and year-over-year gains.

13 hours ago

What happens to mortgage rates if the Iran conflict is over?

Mortgage spreads have kept mortgage rates below 6.64% during conflict, and an end to conflict could help keep spreads low if Fed guidance avoids added hikes.

1 week ago

Mortgage rates are at yearly highs, but housing demand is still positive

Mortgage spreads improved to 1.92% despite rising 10-year yields, keeping mortgage rates below prior peak levels while housing demand remains slightly positive.

3 weeks ago

Mortgage spreads are the only thing keeping rates under 7%

Mortgage spreads are crucial in keeping 2026 mortgage rates below 6.65%, preventing rates from exceeding 7%.

Real estate

Mortgage rates drop below 6% after Trump's MBS announcement

Real estate

Mortgage rates dip, experts see steady 2026 ahead

Real estate

Mortgage purchase applications near 3-year high as spreads improve

more#mortgage-rates

1 week ago

Inflation is rising, but mortgage spreads have kept rates under 7%

April CPI rose 0.6% and inflation is 3.8%, while mortgage rates remain under 6.64% due to improved mortgage spreads despite higher yields and geopolitical risk.

from24/7 Wall St.

2 weeks ago

Reality Income vs. AGNC: One of These High-Yield Dividends Could Hurt You

Realty Income increased dividends and expanded acquisitions while AGNC posted a loss as Middle East tensions widened mortgage spreads and pressured returns.

2 months ago

Mortgage rates fall to multiyear lows in time for spring housing market

Mortgage spreads improvement has driven rates toward multiyear lows, with current conditions creating a favorable housing market environment compared to recent years.

Existing home sales outlook improves as mortgage rates stabilize

Existing home sales may rise in 2026 if mortgage rates remain near 6% and inventory stays stable. Normalized mortgage spreads and improved supply conditions support the outlook for growth. AI Summary Existing home sales have had a nice rise since mid-June, but what will it take for this sales growth trend to continue in 2026? Over the last few years, when rates drop noticeably, sales pick up, but then mortgage rates have shot up over 7% and taken away housing's momentum.

Real estate

Logan Mohtashami's 2026 housing forecast

The reason mortgage rates are near yearly lows as we end the year is that the labor market has softened and mortgage spreads have returned to near-normal levels. Without these two variables, mortgage rates would have stayed higher for longer. My 2026 forecast is for the 10-year yield to range between 3.80% and 4.60%, and for mortgage rates to range from 5.75% to 6.75%.

Real estate

Fed rate cut unlikely to drive mortgage rates lower

Compression of 10-year Treasury–30-year mortgage spreads, aided by the Fed's MBS reinvestment, is lowering mortgage pricing and boosting borrower engagement.

6 months ago

Will the Fed ruin the lowest mortgage rates of 2025?

Improved mortgage spreads and softer labor data lowered mortgage rates in 2025, pushing the 10-year yield to about 3.99% despite inflation and fiscal pressures.

6 months ago

Experts debate GSEs' role in reducing mortgage rates

Allowing GSEs to expand retained portfolios and buy MBS when mortgage–Treasury spreads exceed 170 bps could lower mortgage rates and stabilize MBS prices.

8 months ago

Where do mortgage rates go from here?

For most of the year, the 10-year yield and 30-year mortgage rates have acted perfectly normally, with job growth slowing down. The 10-year yield peaked around 4.79% and mortgage rates have ranged between 6.13% and 7.25%. As the year has progressed, the 10-year yield has trended down toward 4% and has adequately accounted for the softening of the labor data.

Real estate