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’ ...

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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. ...

Shares of the secondary mortgage market giant have more than tripled this year amid growing optimism that the Trump administration would address long-standing questions surrounding the company’s government conservatorship.Fannie Mae has been under federal conservatorship since 2008. Both Fannie Mae and Freddie Mac needed a government bailout in 2008 after the housing bubble burst, as they were exposed to risky loans and securities that included subprime mortgages. The companies suffered billions in losses b ...

Mortgage rates fell again this week, mortgage buyer Freddie Mac said Thursday. Freddie Mac's latest Primary Mortgage Market Survey, released Thursday, showed the average rate on the benchmark 30-year fixed mortgage fell to 6.26% from last week's reading of 6.35%. The average rate on a 30-year loan was 6.09% a year ago. A house for sale in the Capitol Hill neighborhood of Washington, D.C., on July 30, 2024. Treasury's Bessent Says Fixing Housing Affordability Crisis Will Be One Of His 'Big Projects' This ...

美联储降息与抵押贷款利率走势 - 美联储降息后，30年期固定抵押贷款利率不降反升，从降息前一天的6.13%上升至周五的6.35% [1] - 尽管美联储降息25个基点，但抵押贷款利率出现小幅上涨，这是一种反直觉但常见的现象 [1][2] - 抵押贷款利率紧密跟踪10年期国债收益率，该收益率在降息后最初下跌但当日收高，并在失业救济申请数据公布后再次上升 [2] 抵押贷款利率的市场驱动因素与前景预测 - 美联储并不直接控制抵押贷款利率，但其利率决策会对其产生影响 [2] - 在近期上调之前，由于市场预期美联储降息且招聘数据疲软，抵押贷款利率已连续数周稳步下行 [4] - 经济学家认为，由于市场预期的政策宽松速度可能快于美联储的实际行动，抵押贷款利率进一步大幅下降的可能性不大 [6] - 行业专家预计短期內抵押贷款利率将保持相对平稳，因为最新的降息已被市场定价 [6] 抵押贷款需求的市场反应 - 再融资需求较一周前飙升58%，较去年同期增长70% [7] - 购房抵押贷款申请数量周环比上升3% [7] - 尽管当前抵押贷款需求出现改善迹象，但由于房价接近历史高位且利率高于6%，年内大部分时间房屋销售缓慢 [7] - 仅靠较低的利率可能不足以提振市场 [8]

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]

投资策略框架 - 价值投资是各类市场中最受青睐的选股策略之一 通过基本面分析和传统估值指标寻找被市场低估的股票 [2] - Zacks评级系统结合风格评分 价值类别获A级且Zacks评级高的股票被视为最佳价值标的 [3] 联邦农业抵押贷款公司(AGM)估值分析 - 公司当前Zacks评级为2级(买入) 价值类别获A级评分 [3] - 市销率(P/S)为1.27 显著低于行业平均P/S比率1.89 [4] - 营收指标难以被操纵 能更真实反映业绩表现 公司被判断为目前可能被低估 [4][5] 投资价值判定 - 结合盈利前景强度 该公司凸显为市场上最具吸引力的价值股之一 [5]

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]

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