30YR Fixed Rate
6.75%
+0.02%
15YR Fixed Rate
5.98%
+0.01%
UMBS 30YR 5.5
99.64
-0.20
10 Year Treasury
4.347
+0.067
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Coronavirus (or nCov for short) made more disconcerting headlines over the weekend and has generally proven itself to be far more capable in that regard than it's long lost cousin, SARS.  When the nCov market narrative first emerged in mid-January, the comparison to SARS was still unknown.  Now that the virus is unequivocally spreading faster, farther, and killing more people, markets are free to express more panic. But why panic?  It's not as if nCov will kill more people than the flu does each year, right?  So what's the big deal? In short, the big deal is that everyone is used to dealing with the flu.  There are well-established figured on how many people will probably get it and how many of those will die.  There's also a vaccine that is occasionally effective and that may at least mitigate symptoms even if it fails to prevent infection. nCov, on the other hand, is a new thing.  There's no vaccine yet.  There's no cure (fight it off or die).  There has even been some suggestion that the re-infection risk is much higher than that of the flu.  Despite all that, you'd still be well within your right to contend that it will not wipe out humanity.  I would not disagree, but that's not what matters. What matters is simply that a NEW disease has been virulent and deadly ENOUGH to force the global economy to slow down as events/plans are canceled or changed.  These events drive some small portion of economic growth.  Combine that with the general fear about going somewhere or doing something that the general public may feel in many parts of the world and commerce/consumption is guaranteed to decreasing before our very eyes by some yet-to-be-determined amount.  The net effect for financial markets is a flight-to-safety or a "risk-off" trade pushing bond yields and stock prices lower. The net effect for bonds specifically is a 10yr yield less than a decent few hours of trading away from all-time lows. In this environment, please understand that MBS cannot, will not, and should not be doing as well as Treasuries.  You wouldn't really want them to anyway.  Reason being: if MBS improved that quickly and a few lenders decided to adjust rates accordingly, it would produce massive lock fallout on top of the already massive prepayment speed increases.  The faster MBS are being paid off and the more locks that are falling out, the worse MBS will be able to keep pace with Treasuries in the first place.  MBS need to be the tortoise to the Treasury's hare in this case.  The upside is that even if the hare turns around and heads back in the other direction, the tortoise (with its satchel of mortgage lender rate sheets) could easily decide to keep heading for the finish line.
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February 24, 2020
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MBS Commentary
MBS Live Week Ahead: High Gear nCov Fear Pushing Rates Toward All-Time Lows
Coronavirus (or nCov for short) made more disconcerting headlines over the weekend and has generally proven itself to be far more capable in that regard than it's long lost cousin, SARS.  When the nCov market narrative first emerged in mid-... (read more)
Housing News
Cheaper Construction Loans Mean More Custom Homes
Builders are finding that acquisition, development, and construction (ADC) loans in the last half of 2019 were both easier to access and less costly. That may be, in part, behind a fourth quarter 2019 surge in custom home building. The National Assoc... (read more)
Rob Chrisman
Controller, LO Jobs; Compliance and Servicing Events; Coronavirus Dominating Markets
With the coronavirus driving worldwide markets and politics dominating the headlines, who doesn’t like “easy?” Easy: Krispy Kreme is launching donut delivery. Thank you to Ken S. who passed along this report, brought to us by our fr... (read more)
Mortgage Rate Watch
Full Steam Ahead for Refi Boom as Rates Hit New Lows
Yesterday's mortgage rate commentary noted a fresh move down to the lowest levels in more than 3.5 years . With just a bit more improvement, the same is true today . This isn't some isolated opportunity. Rates have been pushing long-term lows off-and... (read more)
Housing News
Existing Home Sales Showing Resilience and Lots of Potential for 2020
If it's January it must mean fewer home sales. That, at least, has been the recent pattern according to National Association of Realtors (NARs). Existing home sales have bounced up and down on a near monthly basis. Strong sales in December, they rose... (read more)
Housing News
Delinquencies are at Lowest Levels Since 2000
Tighter underwriting and a strong economy seemingly continue to be reflected in mortgage loan performance. In its "first look" at January loan data, Black Knight says the national delinquency rate hit the lowest level since they began tracking it in ... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.75% +0.02%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.75% +0.02 0.00
15 Yr. Fixed 5.98% +0.01 0.00
30 Yr. FHA 6.27% +0.02 0.00
30 Yr. Jumbo 6.85% +0.01 0.00
7/6 SOFR ARM 6.32% -0.01 0.00
30 Yr. VA 6.29% +0.03 0.00
Updates Daily - Last Update: 7/3
15 Yr. Fixed Rate
5.98% +0.01%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.67% -0.10 0.00
15 Yr. Fixed 5.80% -0.09 0.00
Updates Weekly - Last Update: 7/3
Rate Change Points
Mortgage Bankers Assoc.
30 Yr. Fixed 6.79% -0.09 0.62
15 Yr. Fixed 6.06% -0.05 0.67
30 Yr. Jumbo 6.78% -0.10 0.40
Updates Weekly - Last Update: 6/26
MBS / Treasuries
UMBS 30YR 5.5
99.64 -0.20
Price / Yield Change
MBS
UMBS 5.5 99.64 -0.20
UMBS 6.0 101.43 -0.13
GNMA 5.5 99.86 -0.11
GNMA 6.0 101.34 -0.06
Pricing as of: 7/5 2:45PM EST
10 Year US Treasury
4.3467 +0.0669
Price / Yield Change
US Treasury
2 YR Treasury 3.883 +0.095
5 YR Treasury 3.937 +0.070
7 YR Treasury 4.125 +0.068
10 YR Treasury 4.347 +0.067
30 YR Treasury 4.863 +0.055
Pricing as of: 7/5 2:45PM EST
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The rate rout is heating up, and that could be good news for homebuilders
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Coronavirus fears could push mortgage rates past 4-year low
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Coronavirus fears could push mortgage rates past 4-year low
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Factbox: Charting the impact of the new coronavirus
Calculated Risk Blog
"Chicago Fed National Activity Index Points to an Uptick in Economic Growth in January"
Redfin
Housing Shortage Leads to Intense Competition Among Homebuyers
© 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
7/3/2025
30 Yr. Fixed Rate
6.75%
+0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.64
-0.20
10 Year US Treasury
99.222
-0.537
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