“Damn, there is so much great knowledge out there. Did you know that “BOOKS” are full of smart?? No, I mean like life changing, I-wish-I-knew-that-years-ago type stuff.

I know that I was waaaayyy late to the game figuring it out. And I know that a lot of you are too busy to read as much as you ‘should’. And that is why you need me.

I still remember how it started for me. It started in June of 2008. After 11 years …..Click to continue

What's up in Mortgage Today (AM) - 09/12/2025

Week In Review
September 12, 2025

WTMS Blog Today = What's up in Mortgage Today (AM) - 09/12/2025 Mortgage-backed securities are showing signs of stability this morning as the 10-year Treasury yield hovers around 4.03%, slightly up from yesterday's close of 4.011%. The bond market is positioning itself ahead of expected Federal Reserve policy decisions, with traders closely monitoring inflation data and employment figures. UMBS (Uniform Mortgage Backed Securities) pricing has remained relatively steady, though market participants are cautious about upcoming economic releases. Mortgage rates dropped again today, with 30-year fixed rates falling to 6.33% according to multiple industry sources. This decline comes despite the slight uptick in Treasury yields, indicating that mortgage lenders are becoming more competitive in their pricing. The spread between mortgage rates and Treasury yields has compressed, suggesting improved liquidity conditions in the secondary mortgage market. Market analysts are warning borrowers not to expect significant mortgage rate declines even if the Fed cuts interest rates in upcoming meetings. The mortgage market often moves independently of Fed policy, influenced more by long-term bond yields and credit spreads. However, the current environment presents opportunities for strategic refinancing decisions for qualified borrowers. The mortgage origination business continues to face headwinds from persistent affordability challenges and inventory constraints in many markets. Lenders are adapting their strategies to focus on purchase money transactions as refinance activity remains subdued. Industry experts suggest that any meaningful improvement in mortgage demand will require sustained rate declines below current levels. Real estate professionals are noting increased buyer activity in select markets where prices have stabilized, though overall transaction volumes remain below historical averages. The combination of elevated rates and home prices continues to sideline many potential buyers, particularly first-time homebuyers. Subscribe to get this daily mortgage and bond market analysis delivered to your inbox each morning, completely free, so you never miss the critical market movements that impact your business.

What's up in Mortgage Today (AM) - 09/11/2024

Week In Review
September 11, 2025

WTMS Blog Today = What's up in Mortgage Today (AM) - 09/11/2024 Mortgage-backed securities are showing mixed signals today as markets digest the latest consumer price index (CPI) report that came in higher than expected. Despite the hotter inflation readings, mortgage rates have paradoxically moved lower, creating a counterintuitive market dynamic that has traders scratching their heads. The disconnect between inflation data and mortgage pricing reflects the complex interplay of Federal Reserve policy expectations and bond market technical factors. The 10-year Treasury yield is hovering around 4.05%, having slipped nearly 5 basis points in yesterday's trading session as investors position for potential Fed action. Bond markets are climbing as traders continue to price in a September rate cut despite the stubborn inflation data. This unusual pattern suggests that employment concerns may be outweighing inflation fears in the Fed's policy calculus. UMBS (Uniform Mortgage-Backed Securities) pricing has shown resilience today, with green arrows indicating modest price improvements at mortgage news daily tracking sites. GNMA securities are following a similar trajectory, benefiting from the broader bond rally that appears to be driven more by employment data than inflation concerns. The mortgage market's ability to rally despite higher inflation readings demonstrates the market's focus on the Fed's dual mandate of price stability and full employment. The MBS Highway National Housing Index posted its first monthly increase since April, rising 3 points to 27, signaling potential stabilization in housing market conditions. This improvement comes as mortgage rates have dropped near their lowest levels in over a year following disappointing jobs data last week. The housing market appears to be responding positively to the prospect of lower borrowing costs, even as inflation remains elevated. Mortgage originators are cautiously optimistic about the recent rate improvements, though many remain concerned about the sustainability of current pricing given the mixed economic signals. The bond market's ability to rally in the face of higher inflation suggests that Fed policy expectations are the primary driver of mortgage pricing in the current environment. Subscribe to get this essential mortgage market intelligence delivered to your inbox daily, completely free.

What's up in Mortgage Today (PM) - 09/10/2024

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September 10, 2025

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