Categories for Mortgage Rate Curves

Rate Surveillance: Fixed-Variable Spreads Narrow

The latest mortgage rate intel… Variable rates. The fix is in?: Variable rates have gone vertical, ramping up 25-35 basis points in a matter of weeks. It seems like every 6-7 days we’re hearing banks cut discounts from prime by another 5...

Rates Up. What Now?

Those of you shopping for a mortgage can be forgiven for cursing the Federal Reserve. The U.S. Fed is hinting that December will mark its first rate hike in nine years. Most interest rate traders are thinking it’s a done deal, which...

Mortgage Rate Curve

In recent weeks, lenders’ funding costs for variable-rate mortgages have jumped up to one-tenth of a percentage point. That’s largely due to higher-perceived credit risk in the overall financial markets. Being the profit-seeking enterprises they are, lenders have passed along that bump-up in costs...

Mortgage Rate Curve

Lenders’ funding costs in the fixed-rate market have been trending up for two weeks. Yet still, we’ve seen a small dip in the best 5-year fixed rates. Variable rates have been mostly unchanged. For risk-tolerant borrowers: 2-year terms under 2.00% provide an excellent combination...

Mortgage Rate Curve

The chart below shows the average best rates for each mortgage term on RateSpy.com. It provides a good sense of rate premium you’ll pay for the security of a fixed rate and/or longer term. Trends from the last 30 days The...

Mortgage Rate Curve

The chart below shows the average best rates for each mortgage term on RateSpy.com. This graph provides a sense of how much of a rate premium you’ll pay for the security of a longer-term and/or fixed rate. Key Takeaways from...

Mortgage Rate Curve

The chart below shows the average best rates for each mortgage term on RateSpy.com. This graph provides a sense of how much of a rate premium you’ll pay for the security of a longer-term and/or fixed rate. Key Takeaways The...

Mortgage Rate Curve – Mar. 5, 2015

The chart below shows the average best rates for each mortgage term on RateSpy.com. This graph provides a sense for how much of a rate premium you’ll pay for the security of a longer-term and/or fixed rate. Key Takeaways: The...

Mortgage Rate Curve – Jan. 15, 2015

The chart below shows the average best rates for each mortgage term on RateSpy.com. This graph provides a sense for how much of a rate premium you’ll pay for the security of a longer-term and/or fixed rate. Key Takeaways: The...

Mortgage Rate Curve – Nov. 17, 2014

The chart below shows the average best rates for each mortgage term on RateSpy.com. The graph provides a sense for how much of a rate premium you’ll pay for the security of a longer-term and/or fixed rate. Key Takeaways: The...