Both stocks and bonds lost ground on Monday. This pushed mortgage rates up near their highest levels in just over 3 months (because mortgages are based on bond prices).  To put the 3-month highs in perspective, today's rates are right in line with those seen 2 weeks ago. [thirtyyearmortgagerates] When we see a larger-than-average shift in rates, it's often attributable to an obvious catalyst. These can be things like economic reports, comments from the Fed, or geopolitical developments.  In today's case, there are no obvious scapegoats. That said, given the proximity of the next Fed announcement, "pre-Fed jitters" will likely be a popular guess.  Ultimately, between Thanksgiving and New Years, we're simply more likely to see random volatility without a clear root cause. Clear connections will be more likely over the next 2 days due to Tuesday's economic data and Wednesday's Fed announcement. 

December 8, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.36% +0.09%   6.13% 7.26% 15 Yr. Fixed 5.80% +0.04%   5.6% 6.59% 30 Yr. Jumbo 6.45% +0.05%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 8, 2025 Mortgage Rates Start Week Near 3 Month Highs Mon, Dec 8, 2025 4:02PM Both stocks and bonds lost ground on Monday. This pushed mortgage rates up near their highest levels in just over 3 months (because mortgages are based on bond prices).  To put the 3-month highs in perspective, today's rates are right in line with those seen 2 weeks ago. [thirtyyearmortgagerates] When we see a larger-than-average shift in rates, it's often attributable to an obvious catalyst. These can be things like economic reports, comments from the Fed, or geopolitical developments.  In today's case, there are no obvious scapegoats. That said, given the proximity of the next F... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.36% +0.09 0.00 15 Yr. Fixed 5.80% +0.04 0.00 30 Yr. FHA 5.92% +0.03 0.00 30 Yr. Jumbo 6.45% +0.05 0.00 7/6 SOFR ARM 6.05% +0.24 0.00 30 Yr. VA 5.95% +0.05 0.00 Updates Daily - Last Update: 12/8 Freddie Mac Rate Change Points 30 Yr. Fixed 6.19% -0.04 0.00 15 Yr. Fixed 5.44% -0.07 0.00 Updates Weekly - Last Update: 12/4 Mortgage Bankers Assoc. 30 Yr. Fixed 6.32% -0.08 0.58 15 Yr. Fixed 5.73% -0.07 0.64 30 Yr. Jumbo 6.40% -0.09 0.40 Updates Weekly - Last Update: 12/3 UMBS 30YR 5.0 99.31 -0.24   95.05 100.11 UMBS 30YR 5.5 101.00 -0.13   97.47 101.40 10 YR Treasury 4.167 +0.030   3.932 4.780 Yields Testing Range Ceiling Ahead of Auctions, Data, And The Fed Mon, Dec 8, 2025 10:07AM Bonds are under pressure yet again at the start of the new week--insult added to injury coming off of the worst week of selling since the late October Fed announcement. On that note, some of the recent weakness could be the bond market's way of bracing for another unfriendly impact from the Fed. There's also the need to make room for Treasury auctions d... (read more) MBS Price Change UMBS 4.5 97.26 -0.19 UMBS 5.0 99.30 -0.24 UMBS 5.5 100.99 -0.14 GNMA 4.5 97.09 -0.26 GNMA 5.0 99.39 -0.32 GNMA 5.5 100.74 -0.13 Pricing as of: 12/8 5:46PM EST US Treasury Yield Change 2 YR Treasury 3.579 +0.018 5 YR Treasury 3.750 +0.037 7 YR Treasury 3.941 +0.037 10 YR Treasury 4.169 +0.032 30 YR Treasury 4.809 +0.018 Pricing as of: 12/8 5:46PM EST Other News Non-Agency, DSCR, eSignature, Data Analysis Tools; Deep Dive on "Fed Week" Mon, Dec 8, 2025 11:26AM “Blimps are one of the only forms of advertisement people are actually excited to see.” “Rob, we see all kinds of companies advertising at conferences. We are trying to lower our cost per loan, and I am doing a more formal review of third-party providers. I am wondering if there is a list of vendors who focus on certain areas out there?” Yup: a very good pla... (read more) Latest Video Fed commentary and tone much more important than rate decision, says Citi W... NY Fed: Inflation expectations unchanged, labor market outlook improves BLS: October and November PPI reports delayed until January 14 Core inflation rate watched by Fed hit 2.8%, delayed September data shows, ... Around the Web Marketwatch This week's Fed meeting will highlight the central bank's challenge: Preventing a recession while tackling inflation Realtor.com Home sellers are giving up at 'unusually high rate,' says new Realtor report Realtor.com Soaring Insurance Premiums Have Homeowners Gambling With Their Coverage To Save Money Calculated Risk Blog December ICE Mortgage Monitor: Home Prices "Firmed" in November, Up 0.8% Year-over-year Eye on Housing Community Associations: A Growing Trend in 2024 Calculated Risk Blog Housing December 8th Weekly Update: Inventory Down 2.7% Week-over-week CNBC U.S. Treasury yields hold steady as investors await expected Fed rate cut CNBC Core inflation rate watched by Fed hit 2.8%, delayed September data shows, lower than expected Calculated Risk Blog Q3 GDP Tracking: Mid 3% Calculated Risk Blog PCE Measure of Shelter Declined to 3.7% YoY in September University of Michigan Consumer sentiment lifted 2.3 index points in early December University of Michigan Current versus Pre-Pandemic Long-Run Inflation Expectations BEA Personal Income and Outlays, September 2025

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