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Mortgage Rate Trend Index

 
 

Will rates go up, down or remain unchanged?

Polyana da CostaPolyana da Costa
Mortgage reporter, Bankrate.com 
I think Friday's job report will be disappointing and will put downward pressure on mortgage rates, but they've dropped for several weeks in a row already. I just don't see it happening again.
Holden LewisHolden Lewis
Assistant managing editor, Bankrate.com
Friday morning we get the employment report for May. If it delivers a discouraging word, mortgage rates might go down even further.
Greg McBrideGreg McBride, CFA 
Senior financial analyst, Bankrate.com
A summer economic soft patch will keep rates low for now.
Michael BeckerMichael Becker
Mortgage banker, Happy Mortgage, Lutherville, Md.
Economic reports this week, specifically Consumer Confidence, ISM Manufacturing Survey and the ADP payroll report, are painting the picture of a slowing economy. This is a bond-friendly enviroment and bond yields and mortgage rates are dropping. In fact, as I write this the yield on the 10-year Treasury is below 3 percent for the first time since the first week of December 2010. While I think there is a good chance recent economic weakness will continue, I don't see mortgage rates dropping further given their recent decline. Mortgage rates hold steady in the coming week.
David KuiperDavid Kuiper
Mortgage planner, First Place Bank, Holland, Mich.
Mortgage interest rates remain at their lowest level of 2011. We have seen the market improve over the last week, with continually dismal economic and employment reports. With the gains we've seen over the past week, now would be a great time to take advantage of buying, building or refinancing.
Dick LepreDick Lepre
Senior loan officer, RPM Mortgage, San Francisco
We are at a very strange place vis-a-vis the techs. The daily tech simply refuses to turn bearish (lower prices, higher yields) signaling a bullish move. With the 10-year yield near 3 percent and "QE2" nearing its end, this is entirely counterintuitive. Recent economic data are awful. GDP growth at 1.8 percent and housing prices showing a double dip are cruel fates for all the money spent on stimulus and support for the housing market.
Bob MoultonBob Moulton
President, Americana Mortgage Group, Manhasset, N.Y.
Rates should remain flat.
Bob WaltersBob Walters
Chief economist, Quicken Loans/Rock Financial, Livonia, Mich.
(Rates will remain the) same.
 
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Mortgage Overnight Averages
Product Rate +/- Last week
30 yr fixed mtg
3.60% 3.52%
15 yr fixed mtg
2.74% 2.71%
5/1 ARM
2.54% 2.57%
30 yr fixed mtg refi
3.58% 3.50%
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At the start of the traditional buying season, housing news is mixed.
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