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Started By
Message
if you are about to lock in a mtge rate - wait
Posted on 1/12/26 at 9:32 am
Posted on 1/12/26 at 9:32 am
GSEs buying MBS and spread between treasury rates and mbs is cratering
4
Posted on 1/12/26 at 9:47 am to hubreb
From what I’m reading even the most hawkish estimates suggest that at most we’ll see mortgage rates drop 1/2 a percent when all $200 Billion in Freddie’s and Fannie’s coffers are deployed. They are starting with only $3B so any major change is likely to be somewhat gradual.
The impact of institutional investors buying MBS is less clear.
Anything helps; but, conventional wisdom says a full percent change is needed to promote refinancing as the new closing costs often outweigh the actual monthly savings.
I’m not sure a half percent change is going to really push new buyers into housing market as much as they think.
Will be interesting to see how it plays out.
The impact of institutional investors buying MBS is less clear.
Anything helps; but, conventional wisdom says a full percent change is needed to promote refinancing as the new closing costs often outweigh the actual monthly savings.
I’m not sure a half percent change is going to really push new buyers into housing market as much as they think.
Will be interesting to see how it plays out.
Posted on 1/12/26 at 9:55 am to wiltznucs
Currently in the building process…. This is music to my ears!!
Posted on 1/12/26 at 9:59 am to hubreb
This board will call you insane for saying mortgage ratea will drop 
Posted on 1/12/26 at 11:27 am to hubreb
I’ve been ready to pull the trigger on a 30 year -> 20 year refinance
Best I’m seeing is 5.25% with points which is a full 1% lower than my current rate
Best I’m seeing is 5.25% with points which is a full 1% lower than my current rate
Posted on 1/12/26 at 11:53 am to hubreb
I follow mortgagenewsdaily rates and waiting. I need to go down sub 5 asap
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