Remarkable Absence of Mortgage Rate Volatility It happens, but it's rare. A Fed "dot plot" day has come and gone with mortgage rates almost perfectly unchanged from the previous day. This speaks to the level of indecision not only in the market, but also among Fed members. First off, what's a "dot plot day?"  The dot plot (or simply, "the dots") refers to a chart/table in the Fed's economic projections that shows where each Fed member sees the Fed Funds Rate at the end of the next few years.  These projections only come out on 4 of the 8 Fed days per year and they've grown to be a leading source of volatility for financial markets on those days. Since it was already a foregone conclusion that the Fed would not be cutting rates today, the market was forced to take its Fed-related cues from the dots and from Fed Chair Powell's press conference. The latter was just slightly negative for rates (i.e. it implied some upward pressure), but the dots did no harm.  After the dust settled, the underlying bond market was flat to slightly stronger on the day due to improvement that was in place several hours before the Fed announcement.  Markets are closed tomorrow for the Juneteenth holiday, but will reopen on Friday.

Remarkable Absence of Mortgage Rate Volatility #Oregonrealestate #Portlandrealestate #mortgage

Portland Housing Market Update 2026 | More Homes for Sale & What Buyers and Sellers Should Know #Oregonrealestate #washington #mortgage #commercial #realestate

It’s Masters Week! ⛳️ Just like Augusta, winning in real estate requires prep. From your "practice round" (pre-approval) to having the right caddy (The Orlicki Group), we make sure you don't hit it in the water. Let's get you Green Jacket ready!

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Mortgage Rates Holding at 2-Month Lows The two days of 2025 with the lowest rates were September 16th and October 28th. Both days happened to be the Tuesdays that preceded Fed rate cuts. On both occasions, those rate cuts were delivered with other comments from the Fed that the bond market didn't like.  The net effect is/was two very obvious dips and spikes. The second half of December saw the average 30yr fixed mortgage rate inch closer and closer to those previous lows, but we're still not quite there yet. Today was just another day in that saga as the average lender held right in line with Friday's latest levels. Bottom line: at current levels, any day that rates spend holding steady or moving microscopically lower will technically result in the lowest rates since October 28th. It would take a more noticeable improvement to break below that floor. When and if that happens, rates will be the lowest since early 2023. [thirtyyearmortgagerates]

Mortgage Rates Holding at 2-Month Lows #Oregonrealestate #Portlandrealestate #mortgage

Original post on housingwire.com

Reverse Focus acquires Apiro Marketing to broaden mortgage services Reverse Focus will acquire Apiro Marketing, combining reverse mortgage software with marketing and content to target a wider audi...

#Reverse #HECM #HWmember #Marketing #Mergers #and […]

[Original post on housingwire.com]

The market is starting the week steady after last week’s movement. 🏡

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Rates moved around last week.
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📊 Weekly Mortgage Term: Credit Score 📊

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Mortgage Rates Match Multi-Year Low For 2nd Straight Day The average top-tier mortgage rates made it back to 5.99% yesterday for the first time since January 9th and only the second time in more than 3 years. With rates holding perfectly steady today, this is the 3rd day that matches that multi-year low. In one important way, the past 2 days represent a bigger victory for rates. Back on January 9th, the MND rate index only hit 5.99 for a few hours before bouncing. The next month and a half saw the average well into the low 6s. Contrast that to the current case where we've approached 5.99% more slowly and, thus far, are holding it much more steadily. All that having been said, there's never a guarantee that tomorrow's rates will be as low even if there aren't any economic reports that suggest a potentially volatile response. [thirtyyearmortgagerates]

Mortgage Rates Match Multi-Year Low For 2nd Straight Day #Oregonrealestate #Portlandrealestate #mortgage

How the war in the Middle East is already impacting mortgage rates in Canada | CBC News The ongoing war in Iran and the closure of the Strait of Hormuz are impacting Canadian pocketbooks in ways we might not expect. Experts warn Canadian homeowners facing mortgage renewals that rates are...

War abroad, pressure at home.

The Iran conflict is pushing oil prices up, fueling inflation and now mortgage rates are rising across markets, making homes even less affordable.

#canada #mortgage #canada #housingmarket
www.cbc.ca/news/canada/...

Lowest Mortgage Rates in More Than 3 Weeks Mortgage rates fell on Tuesday following a downbeat Retail Sales report. At 0.05%, it was the largest single-day drop since the uncommonly big 0.15% drop on January 9th. This also takes the average 30yr fixed rate to 6.11%, easily below its recently narrow range of 6.15-6.20. The bonds that drive mortgage rates are always tuned in to various economic reports for movement cues. Weaker data = lower rates, all else equal. Retail Sales is hit and miss when it comes to causing rate volatility. The undisputed champion among economic reports is tomorrow's jobs report at 8:30am ET. Several recent rate rallies have been slightly larger than they otherwise might have been because the market may be positioning for a downbeat jobs number. If it is weaker than expected, there's certainly room for the rate rally to continue, but if the report shows resilience, rates would likely bounce back higher.

Lowest Mortgage Rates in More Than 3 Weeks #Oregonrealestate #Portlandrealestate #mortgage

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🏠 Stop letting rigid bank requirements block your path to homeownership! Non-QM loans offer a flexible alternative designed for your unique income situation.

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Home Prices Fell More Than Expected in April Both the FHFA and Case‑Shiller home price indices were released today. While the data collection time frame is from April, they each suggest a similar shift is underway when adjusting for seasonality. Specifically, if we ignore seasonality, prices rose.  If we don't, they were down 0.4% from March. FHFA House Price Index (seasonally adjusted, MoM) April: −0.4%; March was revised from −0.1% to 0.0% YoY: +3.0% from April 2024 to April 2025 Monthly figures varied regionally: the West South Central and South Atlantic divisions posted the steepest falls (−1.3%), while the Middle Atlantic rose +1.2%. All nine divisions remain positive YoY (ranging from +0.5% to +7.4%). The 0.4% drop is in line with slower spring momentum—not drastic, but a continued cooling from prior gains. The upward revision in March helps to offset April's declines to some extent. Case‑Shiller National Index (unadjusted) YoY: +2.7% in April, down from +3.4% in March MoM (raw): +0.6% MoM (seasonally adjusted): −0.4%

Home Prices Fell More Than Expected in April #Oregonrealestate #Portlandrealestate #mortgage

Mid Day Reversal Leaves Bonds Slightly Stronger Mid Day Reversal Leaves Bonds Slightly Stronger This morning, we noted the lightness of the selling pressure that took bonds into modestly weaker territory. It turns out it was so light that it was easy for bond buyers to get back on top un the afternoon hours. There was a bit of help from the Fed's much-anticipated announcement of a change to banking rules that will effectively allow banks to hold more Treasuries than before.  This wasn't a big market mover and its impacts would play out in the background over time, but it did seem to help to the tune of a bp or two today. With that, yields hit the 3pm close at their lowest  levels since May 7th, just barely edging out yesterday's marks.  Econ Data / Events New Home Sales 623k vs 690k f'cast, 743k prev Market Movement Recap 09:54 AM Flat overnight and modestly weaker just before the open.  MBS down 3 ticks (.09) and 10yr up 2.9bps at 4.321 12:51 PM Decent rally ahead of 5yr Treasury auction.  10yr up only 1.3bps at 4.305.  MBS down only 1 tick (.03). 01:43 PM No major response to 5yr auction.  10yr yields up 2bps at 4.312.  MBS down 2 ticks (.06). 03:45 PM Best levels of the day with MBS up 2 ticks (.06) and 10yr down nearly 1bp at 4.284

Lowest Rates in Over 2 Months #Oregonrealestate #Portlandrealestate #mortgage

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US.Housing.30YMortgageRate.Daily.png

The average rate on a U.S. 30-Year Fixed Rate Conforming #mortgage on 02 April was at 6.344%. Relative to the prior week, the rate has fallen by about -0.01 p.p. #mortgagerates #econsky

Best Closing Levels in More Than a Month Best Closing Levels in More Than a Month Don't look now, but rates just inched their way down to the best levels since the first week of May.  It's probably NOT fair to credit geopolitical developments for the bond market improvement.  While those developments arguably had an impact at times during the day, they were also arguably a zero sum game by the end of the day (due to a rapid de-escalation of armed conflict).  What's left over is the improvement seen earlier in the day due to the shift in Fed Funds Rate expectations after comments from Bowman.  This no doubt increases the market's anticipation for Fed Chair Powell's congressional testimony over the next two days. Econ Data / Events S&P Services PMI 53.1 vs 52.9 f'cast, 53.7 prev Existing Home Sales 4.03m vs 3.96m f'cast, 4.00m prev Market Movement Recap 10:10 AM Modestly stronger overnight with additional gains after Bowman comments on supporting a July rate cut.  MBS up 6 ticks (.19) and 10yr down 6.3bps at 4.315 12:38 PM Slow, steady bond gains over the past 2 hours.  10yr down 8.3bps to 4.296 and MBS up 9 ticks (.28). 02:43 PM Off the strongest levels but still stronger on the day.  MBS up 7 ticks (.22) and 10yr down 5.8bps at 4.321 03:40 PM Technically down an eighth from the highs.  MBS still up 6 ticks (.19) and 10yr still down 4.6bps at 4.333

Mortgage Rates Lowest Since May 1st #Oregonrealestate #Portlandrealestate #mortgage

Market Recap - April 3, 2026

There’s a lot of noise right now, but that’s often when opportunity shows up.

It can help to step back and focus on the big picture. Less competition can mean better opportunities for buyers.

#homebuying #mortgage #realestate

www.youtube.com/watch?v=Q673...

The 2026 headlines are chaotic, but you have a choice: be part of the noise or be the solution. Clients need leaders now more than ever. This is the time to scale by staying consistent and serving people. Choose leadership over chaos. 🏠💪

#Realtor #Leadership #Mortgage

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Waiting for rates to drop sounds smart, but it can come with tradeoffs.

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Mortgage Rates Hold Flat on Thursday Despite Lower Weekly Average For the average lender, top-tier 30yr fixed mortgage rates were perfectly unchanged compared to yesterday. This keeps them right in line with the lowest levels in more than 3 years. That said, if we're splitting hairs, better rates were available 4 days in the past month and a half (Jan 9, Jan 12, Feb 13, Feb 17). So why is it that there are news headlines today claiming that rates hit their lowest levels in more than 3 years? Simply put, those stories are based on weekly survey data from Freddie Mac. Freddie isn't technically wrong, but you have to understand their methodology. Freddie's survey is an average of the rates available from last Thursday through yesterday. Indeed, if you use the numbers from our daily rate index on those days, the average is the lowest in 3 years, even if today's rates are a hair higher than several recent days.

Mortgage Rates Hold Flat on Thursday Despite Lower Weekly Average #Oregonrealestate #Portlandrealestate #mortgage

Original post on housingwire.com

Better bets on ChatGPT as the new front door for origination Better says Tinman makes underwriting accessible through ChatGPT, shifting decisions from LOS workflows into an AI layer for lenders. Be...

#LendingLife #Mortgage #Origination #Technology […]

[Original post on housingwire.com]

Original post on therealdeal.com

Luxury new development deals climb to 10-year high In the first quarter of 2026, activity in New York City’s new development market followed the trajectory of the rest of the economy: big spendin...

#Condos #Economy #Housing #Market #Inventory #Mortgage […]

[Original post on therealdeal.com]

Original post on therealdeal.com

Luxury new development deals climb to 10-year high In the first quarter of 2026, activity in New York City’s new development market followed the trajectory of the rest of the economy: big spendin...

#Condos #Economy #Housing #Market #Inventory #Iran #War […]

[Original post on therealdeal.com]

Understanding the 2026 ALTA/NSPS Land Title Survey Standards #realesate #realestatetitle #titleinsurance #mortgage #realestateinvesting #realproperety #history #homebuyer #homeowner #oregon #washington