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Breaking: Fed leaving interest rates unchanged.
Posted on 7/29/26 at 1:15 pm
Posted on 7/29/26 at 1:15 pm
12
Posted on 7/29/26 at 1:18 pm to Roll Tide Ravens
People want Citadel investigated for market manipulation after their leak that the Fed was going to raise rates unexpectedly.
Posted on 7/29/26 at 1:20 pm to Roll Tide Ravens
Current 30 year mortgage is 6.6%.
My first home loan in 1990 was over 9% and I didn't see an interest rate below 7% until 1998.
My first home loan in 1990 was over 9% and I didn't see an interest rate below 7% until 1998.
Posted on 7/29/26 at 1:21 pm to Bass Tiger
quote:
My first home loan in 1990 was over 9% and I didn't see an interest rate below 7% until 1998.
Cool
That is one of many factors affecting affordability now vs 36 years ago
Posted on 7/29/26 at 1:22 pm to stout
Note to Donald Trump. Get the frick out of the Middle East and stop appointing political arse kissers to Federal Financial Institutions
Posted on 7/29/26 at 1:22 pm to Bass Tiger
quote:
Current 30 year mortgage is 6.6%.
SDVCuck told us mortgage interest rates would be in the 4's if Trump was re-elected
Posted on 7/29/26 at 1:25 pm to Bass Tiger
quote:
My first home loan in 1990 was over 9% and I didn't see an interest rate below 7% until 1998.
Homes were also around 120k back then, not the hyper inflated 400k starter homes you'll find in most metro areas.
We bought a house during covid for 270k at 3% interest rate (could have waited and done a 15 year and gotten below 2% in hindsight) Its now estimated around 450k.
I love where I live, but there is no way in this world my home should be worth 450k
Posted on 7/29/26 at 1:26 pm to ronricks
quote:
SDVCuck told us mortgage interest rates would be in the 4's if Trump was re-elected
We still like 2.5 years in this term.
Posted on 7/29/26 at 1:27 pm to ronricks
quote:
SDVCuck told us mortgage interest rates would be in the 4's if Trump was re-elected
A few years ago, I made a thread about the bad advice Realtors were using when they were posting "Marry the house, date the rate" all over Facebook
I was told prices would not plateau and rates would level off or drop.
LINK
I like SDV but he and I see the market differently. Go look at the first reply
Posted on 7/29/26 at 1:28 pm to Warboo
Should have moved back when I had a quote for 2.375.
The house wasn't perfect but it had a lot of nice things.
We held off.
What an idiot
The house wasn't perfect but it had a lot of nice things.
We held off.
What an idiot
Posted on 7/29/26 at 1:29 pm to Lsu101205
Yes it is a cash flow game and each party involved in the creation of the home want as much as they can get.
When was the last time you saw low interest, low lot prices, and low material cost?
When was the last time you saw low interest, low lot prices, and low material cost?
Posted on 7/29/26 at 1:31 pm to Timeoday
quote:
When was the last time you saw low interest, low lot prices, and low material cost?
We will never, ever, ever see that perfect storm again.
When you find something you like that you can afford, just buy it.
Posted on 7/29/26 at 1:32 pm to ronricks
quote:
SDVCuck told us mortgage interest rates would be in the 4's if Trump was re-elected
He also loved calling Jerome Powell “too late” when the new guy is doing the exact same things.
Posted on 7/29/26 at 1:32 pm to Roll Tide Ravens
Whoops, add 1 institutional client employee to the unemployment line lol:
“Broker Marex on Tuesday facilitated a $600,000 block trade on the “yes” contract on Kalshi — betting on an interest-rate increase Wednesday — on behalf of an institutional client, according to the firms. They stand to roughly quadruple their investment should Chair Kevin Warsh and his colleagues announce a move to tighten policy at 2 p.m. in Washington.”
“Broker Marex on Tuesday facilitated a $600,000 block trade on the “yes” contract on Kalshi — betting on an interest-rate increase Wednesday — on behalf of an institutional client, according to the firms. They stand to roughly quadruple their investment should Chair Kevin Warsh and his colleagues announce a move to tighten policy at 2 p.m. in Washington.”
Posted on 7/29/26 at 1:33 pm to stout
quote:
A few years ago, I made a thread about the bad advice Realtors were using when they were posting "Marry the house, date the rate" all over Facebook
I can remember you posting this more than once.
quote:
I like SDV but he and I see the market differently.
Ooof he is an imbecile and a cuck of the highest magnitude of the scale. His whole belief system is whatever Trump tells him to think
SDVCuck was the biggest pusher on here of the infamous "50 year" mortgage idea by Trump.
Posted on 7/29/26 at 1:33 pm to Lsu101205
quote:
Homes were also around 120k back then, not the hyper inflated 400k starter homes you'll find in most metro areas.
You are correct, but it should also be noted that the average size of home built in the 80s was 1,595 square feel and today it is 2,200 feet. That is smaller than 10 years ago when new homes averaged close to 2,600 sq feet.
Posted on 7/29/26 at 1:33 pm to stout
Currently lower than historical average for the last 55 years.
**********************************
Brave search says...
Since Freddie Mac began tracking 30-year fixed mortgage rates in April 1971, the long-term historical average has been approximately 7.70% to 7.74%.
Highest Rate: The all-time record high average was 18.63% in October 1981, driven by the Federal Reserve's aggressive efforts to combat late-1970s inflation.
Lowest Rate: The record low average was 2.65% in January 2021, resulting from Federal Reserve interventions during the COVID-19 pandemic.
Recent Trends: Rates surged from near 3% in 2021 to over 7% in 2023 due to inflation. As of July 2026, the average rate is approximately 6.58%, which remains below the five-decade historical average but is high compared to the 2010–2021 period.
Decadal Averages: The 1980s saw the highest decade average (approx. 12.70%), while the 2010s had the lowest (approx. 4.10%).
**********************************
Brave search says...
Since Freddie Mac began tracking 30-year fixed mortgage rates in April 1971, the long-term historical average has been approximately 7.70% to 7.74%.
Highest Rate: The all-time record high average was 18.63% in October 1981, driven by the Federal Reserve's aggressive efforts to combat late-1970s inflation.
Lowest Rate: The record low average was 2.65% in January 2021, resulting from Federal Reserve interventions during the COVID-19 pandemic.
Recent Trends: Rates surged from near 3% in 2021 to over 7% in 2023 due to inflation. As of July 2026, the average rate is approximately 6.58%, which remains below the five-decade historical average but is high compared to the 2010–2021 period.
Decadal Averages: The 1980s saw the highest decade average (approx. 12.70%), while the 2010s had the lowest (approx. 4.10%).
Posted on 7/29/26 at 1:37 pm to Roll Tide Ravens
Fed is going with inflation. Trump is bigly happy.
Posted on 7/29/26 at 1:38 pm to Bass Tiger
It's going higher. Investors want more to compensate for inflation.
Posted on 7/29/26 at 1:39 pm to Tigerfan1274
In addition...in the 50s and 60s homes were about 1,000-1,200 sqft. with much larger families, usually 3 or 4 kids. 70s did see a bump in home sizes.
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