INTEREST RATES

10 Year T-Note 180-day snapshot

Rate data as of morning of publication. Unless noted otherwise, all scenarios are assuming 30 Year-Fixed mortgage, Purchase or R/T Refinance. No origination points charged, 780 FICO score, and 20% down payment. Provided for consumer education only and does not serve as a binding offer to extend lending. Payment period, interest rate, APR, and other terms subject to income, asset, and credit profile qualification. Provided courtesy of GTG Financial, Inc. NMLS 1595076. Equal housing opportunity. www.nmlsconsumeraccess.org

⏱️ Rates in 60 Seconds

Mortgage rates were volatile last week but finished mostly unchanged, with Jumbo improving.

What happened 📊

• 🌍 Global headlines caused intraday bond swings

  • Tariff threats

  • Japanese central bank headlines

  • Geopolitical noise

• 📉 Bonds sold off early, then recovered

• 🧾 Weekly takeaway: noise during the week, flat to better by Friday

Where rates landed

• Conventional: ~5.99% (flat week over week)

• Jumbo: ~6.125% (down ~0.25%)

• FHA and VA: largely unchanged, VA slightly better

What matters now 🧠

• Mortgage bonds remain supported above short-term levels

• The 10-year Treasury is range-bound, not breaking higher

• Markets are reacting fast to headlines, then mean-reverting

Realtor Insight 🏡
Despite scary daily moves, weekly pricing stayed steady and Jumbo actually improved. This supports buyers who are rate-sensitive at higher price points and reinforces that timing the headlines is harder than watching the trend.