抵押贷款利率变动 - 30年期抵押贷款利率从上周635%下降至626% [1] - 15年期抵押贷款利率从上周55%下降至541% [2] - 当前30年期利率较去年同期609%上升17个基点 [1] 利率变动驱动因素 - 长期美国国债收益率下降推动抵押贷款利率走低 [1] - 美联储利率政策及债券市场对经济和通胀预期产生影响 [2] - 美联储实施25个基点降息并预计年内再降息两次 [3] 利率趋势特征 - 30年期抵押利率自7月下旬以来呈整体下降趋势 [3] - 美联储降息决策反映对就业市场担忧加剧 [3] - 15年期利率较去年同期515%上升26个基点 [2]

Mortgage rates fell for yet another week. According to Freddie Mac, the 30-year fixed-rate and 15-year fixed-rate mortgages dropped nine basis points to 6.26% and 5.41%, respectively. The share of mortgage applications attributed to refinances reached nearly 60%, the highest since January 2022. However, these rates were collected prior to the Fed quarter-point rate cut that was announced yesterday. The "Fed effect" won't truly be measured for another week. Whether that's lower — or higher — mortgage rat ...

While the Federal Reserve has begun cutting rates again, there are many other factors that affect the cost of home loans. ...

美联储降息与抵押贷款利率关系 - 美联储自去年以来首次降息25个基点 但抵押贷款利率未必持续下降[1][4] - 美联储预计今年还将进行两次降息 反映对就业市场担忧加剧[2] 抵押贷款利率近期走势 - 30年期抵押贷款利率上周降至6.35% 为近一年最低水平[2] - 去年美联储首次降息后 抵押贷款利率曾降至两年低点6.08%[3] - 去年尽管美联储又降息两次 抵押贷款利率仍上升至7%以上[4] 影响抵押贷款利率的因素 - 抵押贷款利率主要跟随10年期国债收益率走势[6] - 利率受美联储政策、债券市场对经济和通胀预期等多因素影响[5] - 10年期国债收益率自7月中旬以来普遍走低 因就业市场疲软[7] 通胀与利率政策关系 - 通胀持续高于美联储2%的目标水平[7] - 美联储降息可能刺激就业和经济 但也可能推高通胀[8] - 若9月通胀报告显示消费价格上涨 抵押贷款利率可能回升[5] 市场预期与现实差距 - 期货市场预计美联储将持续降息至2026年[9] - 美联储最新预测显示降息路径比市场预期更为保守[9] - 市场与美联储预期差异意味着抵押贷款利率仍存上行风险[10] 住房市场现状 - 夏季末抵押贷款利率回落给自2022年陷入低迷的住房市场带来积极信号[11] - 去年成屋销售降至近30年最低水平 今年仍保持疲软[11] - 全国房价自本十年初以来上涨约50% 尽管增速放缓[12] 利率对购房者影响 - 较低利率可提升购房者购买力 但当前利率水平仍使多数美国人难以负担[12] - 利率需进一步下降且房价增长大幅放缓才能改善 affordability[13] - 更多买家入市可能加剧市场竞争 削弱卖家议价能力[13] 利率预测与建议 - 经济学家预计年底30年期抵押贷款利率将在6.3%-6.4%区间 不会跌破6%[10] - 预测利率变化难度大 因众多变量会影响其轨迹[14] - 有能力以当前利率购房者若找到合适物业 不宜等待市场时机[14] 再融资活动 - 近期再融资申请大幅增加 因房主抓住利率下降机会[14] - 再融资时建议考虑能否降低当前利率至少1个百分点以抵消相关费用[15]

LOS ANGELES (AP) — Hoping that mortgage rates will keep dropping following the Federal Reserve's first rate cut since last year? Don't bank on it. As expected, the central bank delivered a quarter-point cut Wednesday and projected it would lower its benchmark rate twice more this year, reflecting growing concern over the U.S. job market. Here's a look at factors that determine mortgage rates and what the Fed's latest move means for the housing market: How rate cuts affect mortgage rates Mortgage rates ...

Homebuilding company Lennar Corporation LEN could highlight falling mortgage rates and the impact of a potential rate cut when the company reports third-quarter financial results Thursday after market close.Here are the earnings estimates, what experts are saying and key items to watch.Earnings Estimates: Analysts expect Lennar to report third-quarter revenue of $9.00 billion, down from $9.42 billion in last year's third quarter, according to data from Benzinga Pro.The company has beaten analyst estimates f ...

Ahead of today’s biggest market news item — the Fed rate cut, expected at 1pm ET today — we see an economic segment directly affected by interest rates, Housing. As we’ll see, the homebuilding side of the housing market continues to cool down — clearly a result of still-high interest rates, which translate to high mortgage rates.August Housing Starts & Building Permits LowerWe had expected Housing Starts to cool month over month, from a +5% pop in July to something a bit lower. But today’s headline 1.307 mi ...

抵押贷款利率变动 - 30年期固定抵押贷款利率下降3个基点至6.13% 15年期下降5个基点至5.41% 因市场预期美联储降息 [1] - 全国平均30年期抵押贷款利率现为6.13% 但高成本生活城市利率可能更高 [14] 各类抵押贷款利率水平 - 30年期固定利率6.13% 20年期5.52% 15年期5.41% 5/1ARM为6.66% 7/1ARM为6.62% [4] - 再融资利率普遍高于购房利率 30年期固定再融资利率达6.17% 15年期达5.48% [2][5] 不同期限抵押贷款特性 - 30年期固定抵押贷款月供较低且可预测 但总利息成本较高 [7][8][9] - 15年期固定抵押贷款利率较低 可节省数十万美元利息 但月供更高 [10][11] - 可调整利率抵押贷款初始利率较低 但后期存在利率上升风险 [11][12] 利率趋势预测 - 抵押利率未来几个月将维持窄幅波动 美联储降息可能不会显著推动利率下行 [15] - 本月抵押利率有所下降 但较一年前仍微幅上涨 [16] 获取优惠利率方法 - 提高信用评分和降低债务收入比有助于获得更低再融资利率 [17] - 选择较短贷款期限可降低利率 但会提高月供金额 [17]

Well, John, it's actually really complicated because mortgage rates did drop today to a three-year low ahead of the meeting, but they may head higher tomorrow. Willie Walker, CEO of Walker and Dunlop, said historically when the Fed cuts during a recession, it pulls down the 10-year Treasury yield. But when it isn't a recession, like now, it doesn't impact long-term rates, which mortgage rates follow.We're below where the market will be two to three weeks from now. And I don't try to predict where rates are ...

"The overall set-up is reminiscent of September 2024 when rates were doing the same thing for the same reasons ahead of Fed meeting with a virtual 100% chance of a rate cut," said Matthew Graham, chief operating officer of Mortgage News Daily. "Back then, mortgage rates moved paradoxically higher after the Fed rate cut. The same thing could happen this time, but it's by no means guaranteed."The average rate on the 30-year fixed mortgage dropped 12 basis points from Monday to 6.13%, according to Mortgage New ...