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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As home sales have slowed, attention has shifted to the subject of affordability. The combination of rising home prices and higher interest rates is blamed by many as the cause of the lagging sales. The National Association of Home Builders (NAHB) has just published a study which attempts to estimate the approximate effect of each increase in prices and each uptick in mortgage rates means in terms of how many households can afford to buy a new home. The study relies on mortgagee qualification criteria. NAHB's latest estimates show that nationally, a $1,000 increase in the price of a median-priced new home (using the national figure of $355,183) will price 127,560 U.S. households out of the market. Based on their incomes and standard underwriting criteria, each of these households would be able
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January 9, 2019
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Housing News
Small Price and Rate Changes Make a Big Difference for Homebuyers
As home sales have slowed, attention has shifted to the subject of affordability. The combination of rising home prices and higher interest rates is blamed by many as the cause of the lagging sales. The National Association of Home Builders (NAHB) ha... (read more)
Housing News
Lower Rates and Their Effect on Purchases, Refis
While the report also looks at how the recent dip in interest rates may impact the demand for refinancing, the main theme of the November 2018 Mortgage Monitor is the shifting origination market. Black Knight's report notes that the first three quart... (read more)
Housing News
Mortgage Apps Surge as Borrowers Return in Droves, Rates Drop
Even though the week ended January 4 was shortened by the New Year's holiday mortgage application volume rebounded strongly . The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of application volume, was up 23.5 percent... (read more)
Rob Chrisman
Appraisal Products; Events This Week; New Buydown, Second Look Products
The co-founder and former CEO of Southwest Airlines, Herb Kelleher, died last week. I mention this because I read his obituary and the article noted his advice to employees in 2014 when they were upset by efforts to reduce costs and otherwise evolve.... (read more)
Housing News
Government Shutdown has Little Effect on Real Estate
As the partial government shutdown continues the National Association of Realtors® contacted a sample of its members to see if the real estate market is as yet feeling any impact. At present the Department of Housing and Urban Development (HUD) a... (read more)
MBS Commentary
MBS Live Day Ahead: Afternoon Events Could Set The Tone
While there are no significant scheduled events in play this morning, the afternoon hours bring the 10yr Treasury auction and the " minutes " from the most recent Fed meeting.  These will provide a more detailed account of the conversation tha... (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: 7/3 8:34PM 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: 7/3 8:34PM EST
Latest Video
Interest rate hikes and rise in home prices led to housing sluggishness, sa...
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Reuters
Lennar says home sales improving as mortgage rates ease
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Fed 'can afford to be patient' about future rate hikes, FOMC minutes show
Reuters
Fed may still need to hike rates twice this year: Rosengren
Reuters
Traders keep bets against further Fed rate hikes
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Lennar sales miss estimates as housing demand slows
Calculated Risk Blog
No Bank Failures in 2018; First Time since 2006
NPR
'I'm Scared': TSA Families Fear Bills Due, Lost Security
NAR - Realtor.com
Real-Estate Agents Say Government Shutdown Is Starting to Impede the Housing Market
CNBC
'Danger signals' in bonds foreshadow a recession by mid-2020
CNBC
'I may go homeless,' said a worker impacted by the government shutdown
CNBC
Fed's Bullard takes stand against more interest rate hikes
Bloomberg
Weakest Treasuries Demand Since 2008 Sends Bond-Market Warning\
Reuters
Bostic: Fed should let economy run for 'a while' before further rate action
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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
7/3/2025
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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