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Mortgage Rate Trend Index

 
 

Will rates go up, down or remain unchanged?

Greg McBrideGreg McBride
CFA, Senior financial analyst, Bankrate.com
Mortgage rates have broken out of the range in a big way and it will take a little longer before the dust settles.
Michael BeckerMichael Becker
Mortgage banker, Happy Mortgage, Lutherville, Md.
Mortgage rates have jumped in the last week, this despite a weaker-than-expected jobs report. It seems nothing can stop the Bernanke put. The stock market keeps rising as bond prices drop. Lower bond prices means higher yields and higher mortgage rates. I look for this trend to continue with higher mortgage rates in the coming week.
Derek EgebergDerek Egeberg
Certified Mortgage Planning Specialist and branch manager, Academy Mortgage, Yuma, Ariz.
Too many negative factors are pushing rates higher. The talk of inflation concerns, the increased loan costs from Fannie Mae and Freddie Mac as well as overseas tensions. These major items are reflected in the softer demand for mortgage bonds.
Dan GreenDan Green
Waterstone Mortgage, author of TheMortgageReports.com, Cincinnati
Thinking market "is due" is not a strategy. It's a prayer. Get locked before rates rise again.
Chris KarageorgeChris Karageorge
Senior home loan adviser, Universal American Mortgage Company, Wayzata, Minn.
Barring major world news and a subsequent stock selloff, there is little resistance to rates continuing to move higher.
Rebecca R. MadejRebecca R. Madej
Mortgage Consultant, Cunningham & Company Mortgage Bankers, Charlotte, N.C.
We've had more than a week of MBS losses, so the momentum points to higher rates.
Bob MoultonBob Moulton
President, Americana Mortgage Group, Manhasset, N.Y.
Rates are on the rise.
Mitch OhlbaumMitch Ohlbaum
Vice president of business development, Mortgage Capital Associates, Los Angeles
The 10-year Treasury is trading at 3.69 percent and the comments from Chairman Bernanke this morning are moving rates yet higher this morning. He expressed more confidence that the U.S. growth engine is on more solid ground. Consumer spending and confidence are both up as are the equity markets. All of this is bad news for bonds and rates. As I have mentioned before, and I am not alone, that if new jobs and wage increases do not follow soon, none of this good news will matter as the consumer exuberance and confidence will fade quickly as will the stock market -- and rates will follow.
John WalshJohn Walsh
President, Total Mortgage Services, Milford, Conn.
I believe rates will increase in the coming week.
 
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Mortgage Overnight Averages
Product Rate +/- Last week
30 yr fixed mtg
3.77% 3.60%
15 yr fixed mtg
2.88% 2.74%
5/1 ARM
2.66% 2.54%
30 yr fixed mtg refi
3.76% 3.58%
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