30YR Fixed Rate
6.79%
+0.02%
15YR Fixed Rate
5.99%
+0.01%
UMBS 30YR 5.5
99.55
-0.01
10 Year Treasury
4.360
+0.013
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One of the greatest potential sources of confusion for prospective mortgage borrowers is the relationship between the Fed and mortgage rates. While the Fed's policy changes absolutely have a big impact on all sorts of interest rates (including mortgages), a drop in the Fed's policy rate DOES NOT result in lower mortgage rates. In fact, the OPPOSITE was true today. The main reason for confusion is the fact that there's a huge difference from an investment standpoint between a rate that governs the shortest -term transactions (The Fed Funds Rate applies to loans that last for 1 day or less) and a rate that can remain in effect for up to 30 years in the case of mortgages. Even if we use the average life span of a 30yr fixed mortgage, we're still talking about 5-10 years depending on the broader
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September 19, 2019
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Mortgage Rate Watch
HIGHER Mortgage Rates Despite Fed Rate CUT. Here's Why
One of the greatest potential sources of confusion for prospective mortgage borrowers is the relationship between the Fed and mortgage rates. While the Fed's policy changes absolutely have a big impact on all sorts of interest rates (including mortga... (read more)
MBS Commentary
MBS Live Day Ahead: Bonds Set to Battle Potentially Important Level
In the day just passed, the bond market finally got a chance to sink its teeth into the much-anticipated Fed announcement/forecasts/press conference.  Traders were hoping to get a read on whether the Fed rate cut cycle is being treated like a fi... (read more)
Housing News
2018's Home Sales Slump Now Fully Erased
While the increase wasn't as strong as in July, last month's existing home sales posted a second straight month of gains and, as previously, the National Association of Realtors® (NAR) credited falling interest rates. Sales of previously owned si... (read more)
Rob Chrisman
Originator, Servicing, Correspondent Products; Why Extensions Cost Money
The residential lending industry continues to evolve. Lenders are coming and going, moving in and out of business channels. (The latest example being Union Bank, as UBOC is rumored to be in the process of reducing its overall approved broker client b... (read more)
Housing News
Fannie Mae Turns Bullish on Construction, Best Levels Since May
Fannie Mae says consumer spending will continue to support the economy. The company's Economic Summary for September cites increases in auto and retail sales, real disposable personal income, and real personal consumption expenditures (PCE) as eviden... (read more)
Housing News
Housing Permits and Starts Hit Highest Levels in a Year
August turns out to have been among the year's strongest periods for residential construction. While analysts had expected builders to shake off some of the lethargy that has dogged the industry for most of the year, increasing at least the rate of h... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.79% +0.02%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.79% +0.02 0.00
15 Yr. Fixed 5.99% +0.01 0.00
30 Yr. FHA 6.30% +0.02 0.00
30 Yr. Jumbo 6.87% 0.00 0.00
7/6 SOFR ARM 6.33% -0.06 0.00
30 Yr. VA 6.31% +0.02 0.00
Updates Daily - Last Update: 7/10
15 Yr. Fixed Rate
5.99% +0.01%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.72% +0.05 0.00
15 Yr. Fixed 5.86% +0.06 0.00
Updates Weekly - Last Update: 7/10
Rate Change Points
Mortgage Bankers Assoc.
30 Yr. Fixed 6.77% -0.02 0.62
15 Yr. Fixed 6.04% -0.02 0.63
30 Yr. Jumbo 6.69% -0.09 0.65
Updates Weekly - Last Update: 7/9
MBS / Treasuries
UMBS 30YR 5.5
99.55 -0.01
Price / Yield Change
MBS
UMBS 5.5 99.55 -0.01
UMBS 6.0 101.33 -0.03
GNMA 5.5 99.84 +0.00
GNMA 6.0 101.37 -0.01
Pricing as of: 7/11 3:15AM EST
10 Year US Treasury
4.3582 +0.0114
Price / Yield Change
US Treasury
2 YR Treasury 3.875 -0.002
5 YR Treasury 3.938 +0.003
7 YR Treasury 4.133 +0.006
10 YR Treasury 4.360 +0.013
30 YR Treasury 4.884 +0.014
Pricing as of: 7/11 3:15AM EST
Latest Video
January new home sales drop nearly 7%
Bank of America CEO: Loan demand showing consistent growth
UK parliament votes on options to delay Brexit
January new home sales fall short of expectations, down 6.9 percent
Around the Web
Reuters
U.S. House approves short-term funding measure
consumerfinancemonitor.com
New plot twist: CFPB agrees its structure is unconstitutional
Calculated Risk Blog
Comments on August Existing Home Sales
CNBC
Home flippers see lowest returns in 8 years as costs rise
CNBC
Home flippers see lowest returns in 8 years as costs rise
CNBC
Fed calms overnight funding market, unclear how long it will continue special operations
Calculated Risk Blog
Philly Fed Manufacturing shows Continued Expansion in September, At Slower Pace
NAR - Realtor.com
Attention Bargain Hunters: The Best Time of the Year to Buy a Home Is
CNBC
US weekly jobless claims rise less than expected
CNBC
Housing starts just hit 12-year high, but sector may be getting 'ahead of itself,' says strategist
Bloomberg
Bond Traders Are Still Leaning Toward Another 2019 Fed Rate Cut
consumerfinancemonitor.com
CFPB addresses RESPA issue in its first no-action letter under the revised final policy
CNBC
Powell says it's possible the Fed will have to resume balance-sheet growth
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Interest rates displayed are national averages and for informational purposes only. Actual rates from lenders may vary based on several factors including, but not limited to, credit worthiness, ability to replay, credit score, down payment, loan term, etc.
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Today's Mortgage Rates  |  Mortgage Calculators
7/10/2025
30 Yr. Fixed Rate
6.79%
+0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.55
-0.01
10 Year US Treasury
99.115
-0.107
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