30YR Fixed Rate
6.28%
-0.01%
15YR Fixed Rate
5.65%
+0.05%
UMBS 30YR 5.5
101.28
+0.16
10 Year Treasury
4.039
-0.047
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Freddie Mac is touting its readiness to transition from using the London Interbank Offered Rate or LIBOR to the Secured Overnight Financing Rate (SOFR) as a mortgage reference index. The end date for LIBOR may be extended (yet again) from the end of 2021 to mid-2023, but Freddie Mac says it remains committed to prepare for a final transition as soon as possible. SOFR, which was specifically developed to replace LIBOR, is a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities. Because, unlike LIBOR, it is collateralized, its rate tends to be lower. Over the last month it has ranged between 0.05 and 0.09 percent. The New York Fed publishes the SOFR on its website each business day. The company said it has made significant progress in support of the move
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December 18, 2020
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30 Yr. Fixed
6.28% -0.01%  
6.11%
7.26%
15 Yr. Fixed
5.65% +0.05%  
5.54%
6.59%
30 Yr. Jumbo
6.25% +0.00%  
6.25%
7.45%
Compare Mortgage Rates from Local Lenders for Dec 18, 2020
How Much Lower Are Today's "All-Time Low" Mortgage Rates?
Thu, Dec 17, 2020 5:50PM
2020 has safely secured its place in the record books as the year of all-time lows in mortgage rates --one of them anyway. Several other years have recently boasted as many new instances of record lows, but none have done so with the average 30yr fixed rate under 3% . When it comes to the "top tier" rates that are typically used as benchmarks, sub-3% is actually very old news now. As of this week, even the broad averages (which include loans that are far from "top tier") have fallen under 3%. Top tier rates are closer to 2% in some cases. But how much progress is being made each time the old r... (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.28% -0.01 0.00
15 Yr. Fixed 5.65% +0.05 0.00
30 Yr. FHA 5.94% -0.01 0.00
30 Yr. Jumbo 6.25% 0.00 0.00
7/6 SOFR ARM 5.62% +0.03 0.00
30 Yr. VA 5.95% -0.02 0.00
Updates Daily - Last Update: 9/8
Freddie Mac Rate Change Points
30 Yr. Fixed 6.50% -0.06 0.00
15 Yr. Fixed 5.60% -0.09 0.00
Updates Weekly - Last Update: 9/4
Mortgage Bankers Assoc.
30 Yr. Fixed 6.64% -0.05 0.59
15 Yr. Fixed 5.84% -0.19 0.84
30 Yr. Jumbo 6.58% -0.09 0.39
Updates Weekly - Last Update: 9/3
UMBS 30YR 5.5
101.28 +0.16  
97.47
101.61
UMBS 30YR 6.0
102.54 +0.05  
99.66
102.54
10 YR Treasury
4.039 -0.047  
3.621
4.780
MBS Live Day Ahead: Bond Market's Full Attention on Stimulus Prospects and Timing
Fri, Dec 18, 2020 9:51AM
Next week, the bond market will only be open for 3.5 days.  In that time, the bond market will see a majority of its 'year-end' trades (asset allocation changes from money managers who are required to match their portfolios to the indices in their managed funds).  Some of that trading will occur in the 3.5 trading days of the following trading week... (read more)
MBS Price Change
UMBS 5.0 99.78 +0.31
UMBS 5.5 101.28 +0.16
UMBS 6.0 102.54 +0.05
GNMA 5.0 100.07 +0.24
GNMA 5.5 101.19 +0.06
GNMA 6.0 102.18 +0.05
Pricing as of: 9/8 6:21PM EST
US Treasury Yield Change
2 YR Treasury 3.487 -0.030
5 YR Treasury 3.562 -0.027
7 YR Treasury 3.768 -0.032
10 YR Treasury 4.039 -0.047
30 YR Treasury 4.690 -0.079
Pricing as of: 9/8 6:21PM EST
Other News
Freddie is Making the Switch to The Secured Overnight Financing Rate (SOFR)
Fri, Dec 18, 2020 10:44AM
Freddie Mac is touting its readiness to transition from using the London Interbank Offered Rate or LIBOR to the Secured Overnight Financing Rate (SOFR) as a mortgage reference index. The end date for LIBOR may be extended (yet again) from the end of 2021 to mid-2023, but Freddie Mac says it remains committed to prepare for a final transition as soon as possi... (read more)
Forbearances Rise, True to Mid-Month Pattern
Fri, Dec 18, 2020 10:47AM
There was an increase in the number of loans in forbearance over the last week as the share within all lender portfolios, even the GSEs', moved higher. Black Knight said, however, that an uptick in mid-month has become common, generally driven by fewer borrowers exiting their plans. This was true this past week as well. The strongest declines tend to occur a... (read more)
FHFA Looking to Lock-In Fannie/Freddie Liquidity Rules
Thu, Dec 17, 2020 1:53PM
In November, the Federal Housing Finance Agency (FHFA) released a new regulatory capital framework for Fannie Mae and Freddie Mac (the GSEs). At the time FHFA said the final rule fulfills Congress's mandate in the Housing and Economic Recovery Act of 2008 that FHFA establish risk-based capital requirements for the GSEs to ensure their safety and soundness by... (read more)
Ops, Branch Manager, LO Jobs; CFO Role Wanted; First American Rebrand; Rural, FHA, VA Program Changes
Fri, Dec 18, 2020 10:39AM
I don’t know what’s longer, a “regular” minute, “microwave” minute, or a “treadmill” minute. Speaking of time, if someone sends you an email saying, “The noon meeting has been moved forward two hours,” how do you read that, 10AM to 2PM? The answer shows which of these two ways you perceive time. Tim... (read more)
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The 9 a.m. Bond Report: December 18, 2020
Snyder: Vaccines could be the biggest stimulus for markets in 2021
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Update: 2021 Housing Forecasts
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Q4 GDP Forecasts
NAHB Eye on Housing
Second Home Markets Show Construction Growth
Calculated Risk Blog
Black Knight: Number of Homeowners in COVID-19-Related Forbearance Plans Increased Slightly
CNBC
Emergency savings are key to combating financial fragility but Americans need more help
CNBC
U.S. Treasury yields move higher on glimmers of progress over fiscal stimulus
CNBC
Just a few hours' left to agree a Brexit trade deal, top EU negotiator says
thehill.com
Fight over Federal Reserve powers holding up year-end deal
Calculated Risk Blog
Comments on November Housing Starts
NPR
U.S. Scrambles To Understand Major Computer Hack, But Says Little
Calculated Risk Blog
CAR on California November Housing: Sales up 26% YoY, Active Listings down 47% YoY
CNBC
Home flipping profits are the highest in 20 years, but fewer are doing it
Calculated Risk Blog
Hotels: Occupancy Rate Declined 37.4% Year-over-year
© 2025  Mortgage News Daily, LLC. | 19701 Bethel Church Rd. | Cornelius, NC 28031
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
9/8/2025
30 Yr. Fixed Rate
6.28%
-0.01%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
101.28
+0.16
10 Year US Treasury
101.719
+0.390
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