But first, new home sales just crossing. Diana Ol has those numbers for us. Diana, >> David, a massive beat on new home sales.800,000 seasonally adjusted annualized rate in August. The street was looking for 650. This is up 20.5% from July and up 15.4% from August of 2024.Now, we've been talking about mortgage rates, of course, uh, forever and they didn't come down in August. These numbers are based on signed contracts. So, people out shopping in August when the 30-year fix had not started its steep drop th ...

Mortgage rates are sorting out the Fed rate cut. According to Zillow, the current 30-year fixed mortgage rate is 6.32%. The 15-year fixed rate is 5.70%. If you can get a similar rate from a lender, this might be a good time to buy a house and lock in a relatively low rate. "This ongoing gap between market and Fed expectations means that some risk of upward pressure on mortgage rates remains, but for now, consumers have already benefited from the drop in mortgage rates that has brought mortgage rates below ...

Mortgage rates are sorting out the Fed rate cut. According to Zillow, the current 30-year fixed mortgage rate is 6.32%. The 15-year fixed rate is 5.70%. If you can get a similar rate from a lender, this might be a good time to buy a house and lock in a relatively low rate. "This ongoing gap between market and Fed expectations means that some risk of upward pressure on mortgage rates remains, but for now, consumers have already benefited from the drop in mortgage rates that has brought mortgage rates below ...

可调利率抵押贷款需求激增 - 可调利率抵押贷款(ARM)需求在2022年大幅上升 上周占全部贷款发放量的12.9% 创下金融危机后的新高[1] - 7/6 ARM平均利率为5.78% 显著低于30年期固定利率抵押贷款的6.35%[2] - 借款人通过ARM可获得比30年期固定利率抵押贷款更低的初始利率 该利率在5年、7年或10年后会根据市场水平重新调整[1] ARM产品特征与市场接受度 - ARM产品在接近历史高位的房价和较高抵押贷款利率的市场环境中显得更具吸引力[4] - 许多潜在购房者希望看到利率降至5.5%左右才进入市场 ARM利率已接近这一水平而30年期固定利率仍远高于此[4] - 抵押贷款经纪人和贷款机构注意到潜在客户对ARM的兴趣上升 尽管部分客户因2008年金融危机的关联而对ARM持谨慎态度[5] ARM历史演变与市场占比变化 - 在金融危机前高峰期 ARM曾占整体贷款量的三分之一[6] - 2008年后ARM市场份额暴跌至不足1% 随后逐渐恢复但远低于危机前水平[7] - 当30年期固定抵押贷款利率处于超低水平时 ARM需求较少 但在2022年利率从5%快速上升至7%期间出现短暂复苏[7]

美联储降息启动 - 美联储开始下调联邦基金利率 市场已出现积极反应 预计2025年还将有两次降息[1][4] 抵押贷款利率现状 - 30年期抵押贷款利率当前处于6.26%水平 过去20年呈缓慢上升趋势[1] - 高利率水平抑制了潜在购房者和投资者的入场意愿[1] 利率传导机制 - 联邦基金利率与抵押贷款利率并非完全同步变动 抵押利率更受国债收益率和债券市场影响[2][3] - 美联储通过调控联邦基金利率间接影响经济增速 进而对房贷市场产生间接作用[2][3] 降息对购房者的影响 - 利率下降将逐步降低抵押贷款成本 但传导存在滞后性 可能需数周甚至数月[4] - 借贷成本下降可能推高房地产价格 形成对购房者的双刃剑效应[2] - 预计2026年初才能完全显现多次降息的综合影响[4]

The 30-year mortgage rate shot up the day after the Federal Reserve cut interest rates. - AFP/Getty Images Hours after the Federal Reserve cut its benchmark interest rate by 25 basis points on Wednesday, mortgage rates ticked up 9 basis points. Why did that happen? And will mortgage rates continue to climb from here? Most Read from MarketWatch While this trend might seem counterintuitive, the jump in mortgage rates was relatively small and driven by how financial markets are assessing the central bank’ ...

Let's stay on bonds and stocks and markets because we've got new highs across the board for equities. Nearly all major averages on pace for new records. The market seems to have adjusted to tariffs.But what happens if the Supreme Court rules that the tariffs are actually illegal. Would that hurt America's massive debt load. Let's talk about that and more.Joe Leavone is well known to our audience as a markets guy, but now serves as counselor to Treasury Secretary Scott Bessant. Joe, good to have you on the p ...

Mortgage rates continued to edge down, bringing about an uptick in refinancing applications, according to the latest Freddie Mac Primary Mortgage Survey. 30-year fixed-rate mortgages averaged 6.26% as of September 18, down from 6.35% last week but higher than 6.09% in the year-ago week. ...

Mortgage rates are creeping higher after the Federal Reserve cut benchmark interest rates on Wednesday, a counterintuitive but common phenomenon. The average 30-year fixed mortgage rate rose 9 basis points on Wednesday to 6.22%, according to Mortgage News Daily, and Treasury yields, which closely track mortgage rates, are moving higher Thursday. Mortgage rates ticked up after the central bank delivered its widely expected 25 basis-point cut, but Fed Chairman Jerome Powell cautioned that “there is no risk ...

Mortgage rates have inched higher after the Federal Reserve cut benchmark interest rates, a counterintuitive but common phenomenon. The average 30-year fixed mortgage rate was 6.35% on Friday, up from 6.13% the day before the Fed cut rates, according to Mortgage News Daily. Mortgage rates ticked up after the central bank delivered its widely expected 25 basis point cut, with Fed Chairman Jerome Powell cautioning that “there is no risk-free path” as the Fed tries to navigate a weakening labor market and r ...