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
4.359
+0.012
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In his analysis of current mortgage credit tightening for the Joint Center on Housing Studies excerpted here earlier, Don Layton included a special section on lender overlays . The former Freddie Mac CEO focused specifically on how those overlays may be affected by the borrower forbearance mandated by the CAREs Act for borrowers impacted financially by the COVIC-19 pandemic. During and after the 2008 housing crisis mortgage intermediaries (originators) added their own underwriting requirements to those required by the GSEs, FHA, and the VA. These overlays were designed to counter "representation and warranty risk," - i.e., the possibility they would be required to buy back and possibly absorb default losses from loans they sold to the government agencies that lacked characteristics required
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June 25, 2020
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Housing News
Forbearance is Major Cause of Lender Overlays
In his analysis of current mortgage credit tightening for the Joint Center on Housing Studies excerpted here earlier, Don Layton included a special section on lender overlays . The former Freddie Mac CEO focused specifically on how those overlays may... (read more)
MBS Commentary
MBS Live Recap: Lots of Indecision, But The Outcome Should Make Sense
Lots of Indecision, But The Outcome Should Make Sense Both stocks and bonds are trading sideways after taking a step back from their early June momentum.  This indecision reflects uncertainty about econo... (read more)
Mortgage Rate Watch
Record Low Rates For Some; Frustration and Confusion For Others
Mortgage rates moved modestly lower today, but face an uphill battle in general. They fell very quickly as coronavirus first hit financial markets. They hit multiple new all-time lows in since March 9th and continued setting new records as recently a... (read more)
Rob Chrisman
Management, LO Jobs; Marketing, Processing, Default Products; High Balance Pricing
Some things are uncertain, like whether colleges, driven by ticket & TV income, bring back their football players when the rest of the student body “remains virtual” this autumn. (Harvard law school is online for the fall semester, fo... (read more)
Housing News
Home Price Gains Defied The Odds in April
House prices continued to be unfazed by the current economic upheaval. The Federal Housing Finance Agency (FHFA) reports that its U.S. House Price Index for April, the first full month that reflects the impact of the pandemic, continued to rise almos... (read more)
Housing News
Amazing Winning Streak For Home Purchase Applications Finally Levels Off
The nine-week string of increases in purchase mortgage applications came to an end last week and refinancing volume pulled back as well. Consequently, the Mortgage Bankers Association's (MBA's) Market Composite Index, a measure of overall application... (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 6.0 101.34 -0.02
GNMA 5.5 99.84 +0.00
GNMA 6.0 101.37 -0.01
Pricing as of: 7/11 3:07AM EST
10 Year US Treasury
4.3582 +0.0114
Price / Yield Change
US Treasury
2 YR Treasury 3.872 -0.004
5 YR Treasury 3.937 +0.002
7 YR Treasury 4.131 +0.004
10 YR Treasury 4.359 +0.012
30 YR Treasury 4.882 +0.012
Pricing as of: 7/11 3:07AM EST
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© 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
7/10/2025
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
99.130
-0.091
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