Mortgage Rate Trend Index


Will rates go up, down or remain unchanged?

Holden LewisHolden Lewis
Mortgage editor,
Nice job, Fed. Keepin' mortgage rates steady.
David KuiperDavid Kuiper
Mortgage planner, First Place Bank, Holland, Mich.
Interest rates continue to trade in a very narrow range. Intraday volatility remains high with rates moving up and down, often multiple times during the day. Remember, bonds (where mortgages are priced from) are a "safe haven" for investors and benefit from negative information. When we have high unemployment, falling stock market, political unrest (domestic and international) we'll see interest rates improve. When we have a rising stock market, falling unemployment or economic reports that could lead to inflation, we'll see interest rates increase. While it is impossible to time the market, it is still a great opportunity to take advantage of today's low interest rates. Consult your local mortgage professional to see how you can benefit.
Rebecca R. MadejRebecca R. Madej
Mortgage consultant, Cunningham & Company Mortgage Bankers, Charlotte, N.C.
Mortgage bonds are trading in a tight range.
Mitch OhlbaumMitch Ohlbaum
Vice president of business development, Mortgage Capital Associates, Los Angeles
The 10-year Treasury is currently trading at 3.47 percent and continues to trade in a narrow range. While the Fed's efforts have arguably kept rates lower than we might have otherwise seen, they are not retreating the way the Fed would have hoped for, given its extensive efforts. Inflation seems to be at a comfortable level for the Fed and the market, but job creation and growth in wages is what we need to see to really move forward.
Jeff TuffordJeff Tufford
Mortgage consultant, Monarch Consulting, Grand Blanc, Mich.
Rates should hold steady as many economic indicators point toward a recovery, but the real estate sector still shows signs that a recovery is not in the immediate future.

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