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re: Mortgage Rates and the 10 Year Treasury Yield

Posted on 4/4/25 at 5:26 pm to
Posted by dragginass
Member since Jan 2013
3183 posts
Posted on 4/4/25 at 5:26 pm to
We are in the middle of buying. We were quoted 6.375 last week and did NOT lock in. Hoping we can get to somewhere in the 5s before locking.
Posted by uptowntiger84
uptown
Member since Jul 2011
5132 posts
Posted on 4/4/25 at 5:31 pm to
I'm in the same boat as you. Hopefully I'm making the right move buying the dip in the stock market and thinking mortgage rates will be in the 5s come 2026.
Posted by SDVTiger
Cabo San Lucas
Member since Nov 2011
93748 posts
Posted on 4/4/25 at 6:17 pm to
quote:

So here is some galaxy brain stuff that I don't think Trump is intentionally doing himself, but maybe Bessent is.


Trump, Bessent, Lutnik and Elon have all said this is exactly why they are doing this

They need to refi 9.2tril in Commerical and ppl need to refi their debts
Its why he keeps screeching at Powells fricking arse to cut. Which he came out and poured salt on the bond rally today

Posted by bstew3006
318
Member since Dec 2007
13005 posts
Posted on 4/4/25 at 7:04 pm to
quote:

Slightly off topic, but consider that in a blink of an eye they will be grown and gone, then you'll be looking to sell that McMansion and get back into something like you have now. Consider skipping the McMansion phase of life and riding out the very nice situation you are in now.


I’m fighting the decision for the points you made, I get it. But in same neighborhood, which we love and can go from a 3/2 to 4/3, add pool a d bayou… be able to put 20% down, pay off all other debt and only have mortgage is very enticing.
Posted by Kreg Jennings
Parts Unknown
Member since Aug 2007
3914 posts
Posted on 4/4/25 at 10:55 pm to
quote:

Give it a some months. The fed should drop rates unless they play politics. You should get sub 5% before you know it.


Posted by bama1959
Huntsville, AL
Member since Nov 2008
5066 posts
Posted on 4/5/25 at 1:55 am to
A rule of thumb has been 10yr Tbills +2%. So, my expectation is for sub 6% if the 10yr Tbill stays here for awhile.
Posted by KWL85
Member since Mar 2023
3178 posts
Posted on 4/5/25 at 8:26 am to
Give it a some months. The fed should drop rates unless they play politics. You should get sub 5% before you know it.
_________

Maybe. Maybe not. The amount of uncertainty in the economy that could cause the Fed to just hold for a while. This group at the Fed has shown to wait on a fair amount of data before making changes.
Posted by baldona
Florida
Member since Feb 2016
23424 posts
Posted on 4/5/25 at 2:56 pm to
Sub 5% is much more the exception than the rule, if you can borrow money at 5.5% it also means you can get fixed income investments at 3-4%. Its always give and take
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