Rates & Economy
Fed week without the guessing game: four mortgage-rate signals to watch
The Fed meets October 27 and 28. Here are the four signals that can move mortgage pricing, plus the exact California release times.
THE RATE CONVERSATION
Rates & markets
Market Update
The housing market got one green light. Three others stayed red.
Mortgage rates eased, but pending sales, construction and builder confidence weakened. Here is what that mixed signal means for buyers and sellers.
Rates & Economy
Inflation went up. Why did mortgage rates go down?
A hot inflation report can push mortgage rates higher, but competing bond-market forces can reverse the move. Here is what a better quote means.
Mortgage Guides
What if mortgage rates don’t fall when you expect?
See a worked mortgage-payment and refinance break-even example, and build a homebuying budget that works without a future rate drop.
First-Time Buyers
Shopping for a home when mortgage rates move: what should you revisit?
Keep your payment budget, loan comparison and closing timeline clear when mortgage pricing changes.
Real scenarios
Should I put more down or use the money to lower my rate?
Compare the larger loan, lower rate, mortgage insurance and cash left after closing as complete choices.
Rates & Economy
The Fed May Move. Your Mortgage Rate May Not.
The most important interest rate for home buyers is not the one most people are watching
Market Updates
July inflation stays elevated as income and orders strengthen
July PCE inflation remained elevated while income, durable-goods orders, and revised second-quarter growth defined Wednesday's market backdrop.
Market Updates
July new-home sales estimate leads Tuesday's housing picture
July new-home sales were estimated at a 607,000 annualized pace as available supply reached 9.6 months, while a 4.70% 10-year Treasury yield and a full economic calendar shape the rate backdrop.
Market Updates
A busy economic calendar puts housing data in focus
The 10-year Treasury closed Monday at 4.70%, U.S. stocks finished mixed, and representative mortgage averages remained above their August 17 comparison before new-home sales, durable-goods orders, GDP, and Jackson Hole.
Market Updates
Long-term Treasury yields keep pressure on mortgage pricing
The representative Conventional observation was 6.698%, while the August 19 Treasury close put the 10-year yield at 4.65% and the 30-year yield at 5.19%.
Market Updates
July housing starts cool as borrowing costs remain elevated
The representative Conventional rate averaged 6.750%, while July housing starts fell and bond-market pressure kept the mortgage backdrop cautious.
Market Updates
Mortgage rates start higher as oil and bond-market pressure builds
The latest official 10-year Treasury close was 4.68% on August 14 and the current representative Conventional rate averages 6.743% as oil headlines coincide with higher longer yields.
Market Updates
Homebuyers await housing data and Fed minutes
The 10-year Treasury finished Friday at 4.68%, while the latest representative Conventional rate averages 6.653% before key housing data and Federal Reserve minutes.
Market Updates
Rates finish a mixed data week slightly lower
July retail sales fell 0.6%, underlying producer prices rose 0.4%, and the latest representative Conventional rate averages 6.653%.
Market Updates
Retail sales fell and Treasury yields eased
July retail sales fell 0.6% to $763.6 billion, the 10-year Treasury eased near 4.62%, and today's representative Conventional rate is 6.73%.
Rates & Economy
Fed week without the guessing game: four mortgage-rate signals to watch
The Fed meets October 27 and 28. Here are the four signals that can move mortgage pricing, plus the exact California release times.
Market Update
The housing market got one green light. Three others stayed red.
Mortgage rates eased, but pending sales, construction and builder confidence weakened. Here is what that mixed signal means for buyers and sellers.
Rates & Economy
Inflation went up. Why did mortgage rates go down?
A hot inflation report can push mortgage rates higher, but competing bond-market forces can reverse the move. Here is what a better quote means.
Mortgage Guides
What if mortgage rates don’t fall when you expect?
See a worked mortgage-payment and refinance break-even example, and build a homebuying budget that works without a future rate drop.
First-Time Buyers
Shopping for a home when mortgage rates move: what should you revisit?
Keep your payment budget, loan comparison and closing timeline clear when mortgage pricing changes.
Real scenarios
Should I put more down or use the money to lower my rate?
Compare the larger loan, lower rate, mortgage insurance and cash left after closing as complete choices.
Rates & Economy
The Fed May Move. Your Mortgage Rate May Not.
The most important interest rate for home buyers is not the one most people are watching
Market Updates
July inflation stays elevated as income and orders strengthen
July PCE inflation remained elevated while income, durable-goods orders, and revised second-quarter growth defined Wednesday's market backdrop.
Market Updates
July new-home sales estimate leads Tuesday's housing picture
July new-home sales were estimated at a 607,000 annualized pace as available supply reached 9.6 months, while a 4.70% 10-year Treasury yield and a full economic calendar shape the rate backdrop.
Market Updates
A busy economic calendar puts housing data in focus
The 10-year Treasury closed Monday at 4.70%, U.S. stocks finished mixed, and representative mortgage averages remained above their August 17 comparison before new-home sales, durable-goods orders, GDP, and Jackson Hole.
Market Updates
Long-term Treasury yields keep pressure on mortgage pricing
The representative Conventional observation was 6.698%, while the August 19 Treasury close put the 10-year yield at 4.65% and the 30-year yield at 5.19%.
Market Updates
July housing starts cool as borrowing costs remain elevated
The representative Conventional rate averaged 6.750%, while July housing starts fell and bond-market pressure kept the mortgage backdrop cautious.
Market Updates
Mortgage rates start higher as oil and bond-market pressure builds
The latest official 10-year Treasury close was 4.68% on August 14 and the current representative Conventional rate averages 6.743% as oil headlines coincide with higher longer yields.
Market Updates
Homebuyers await housing data and Fed minutes
The 10-year Treasury finished Friday at 4.68%, while the latest representative Conventional rate averages 6.653% before key housing data and Federal Reserve minutes.
Market Updates
Rates finish a mixed data week slightly lower
July retail sales fell 0.6%, underlying producer prices rose 0.4%, and the latest representative Conventional rate averages 6.653%.
Market Updates
Retail sales fell and Treasury yields eased
July retail sales fell 0.6% to $763.6 billion, the 10-year Treasury eased near 4.62%, and today's representative Conventional rate is 6.73%.
Housing & Communities
Touring Sierra Vista new homes: a guide to JMC and Woodside communities
A practical guide to Highline, Sentinel, Overland and Summerfield, with current builder facts and questions to ask before touring Sierra Vista in Roseville.
Housing & Communities
Placer One: new homes, builders and what comes next near Roseville
Explore Placer One new homes near Roseville, including current builders, communities, source dates and practical questions to ask before visiting.
First-Time Buyers
Buying a $400,000 home in Roseville: compare cash and monthly costs
A practical way to compare FHA, VA and conventional financing, including the money needed beyond your down payment.
More to explore
Local Housing
New homes in Lincoln and Roseville: a look at Jasper and Milazzo
A quick look at pricing, move-in timing and builder incentives to help you plan your next community visit.
Local Housing
A Placer County home search needs a location specific property brief
Insurance, utilities, wildfire context, commute patterns, taxes and property condition can vary sharply across nearby communities.
Local Housing
How to research development near a Placer County property
A repeatable method for checking planning documents, active projects, transportation and public meeting records.
Market Updates
Could the midterms affect mortgage rates and housing?
Midterms do not show a dependable national mortgage-rate pattern. Here is how election outcomes can still reach housing through policy, Treasuries and credit.
Rates & Economy
Fed week without the guessing game: four mortgage-rate signals to watch
The Fed meets October 27 and 28. Here are the four signals that can move mortgage pricing, plus the exact California release times.
Market Update
The housing market got one green light. Three others stayed red.
Mortgage rates eased, but pending sales, construction and builder confidence weakened. Here is what that mixed signal means for buyers and sellers.
More to explore
Housing & Communities
Builder shares bounced. Does that mean homebuyers are back?
A sharp rally in builder shares can arrive before stronger home sales. Here is how to separate market expectations from evidence at the sales office.
Housing & Communities
Home prices rose. Can you still negotiate?
Rising sale prices do not erase buyer leverage. Learn how comparable sales, competing listings, market time and condition can support your offer.
Rates & Economy
Inflation went up. Why did mortgage rates go down?
A hot inflation report can push mortgage rates higher, but competing bond-market forces can reverse the move. Here is what a better quote means.
Mortgage Guides
What if mortgage rates don’t fall when you expect?
See a worked mortgage-payment and refinance break-even example, and build a homebuying budget that works without a future rate drop.
First-Time Buyers
Shopping for a home when mortgage rates move: what should you revisit?
Keep your payment budget, loan comparison and closing timeline clear when mortgage pricing changes.
Real scenarios
Should I put more down or use the money to lower my rate?
Compare the larger loan, lower rate, mortgage insurance and cash left after closing as complete choices.
Market Updates
July inflation stays elevated as income and orders strengthen
July PCE inflation remained elevated while income, durable-goods orders, and revised second-quarter growth defined Wednesday's market backdrop.
Market Updates
July new-home sales estimate leads Tuesday's housing picture
July new-home sales were estimated at a 607,000 annualized pace as available supply reached 9.6 months, while a 4.70% 10-year Treasury yield and a full economic calendar shape the rate backdrop.
Market Updates
A busy economic calendar puts housing data in focus
The 10-year Treasury closed Monday at 4.70%, U.S. stocks finished mixed, and representative mortgage averages remained above their August 17 comparison before new-home sales, durable-goods orders, GDP, and Jackson Hole.
Market Updates
Long-term Treasury yields keep pressure on mortgage pricing
The representative Conventional observation was 6.698%, while the August 19 Treasury close put the 10-year yield at 4.65% and the 30-year yield at 5.19%.
Market Updates
July housing starts cool as borrowing costs remain elevated
The representative Conventional rate averaged 6.750%, while July housing starts fell and bond-market pressure kept the mortgage backdrop cautious.
Market Updates
Mortgage rates start higher as oil and bond-market pressure builds
The latest official 10-year Treasury close was 4.68% on August 14 and the current representative Conventional rate averages 6.743% as oil headlines coincide with higher longer yields.
Market Updates
Homebuyers await housing data and Fed minutes
The 10-year Treasury finished Friday at 4.68%, while the latest representative Conventional rate averages 6.653% before key housing data and Federal Reserve minutes.
Rates & Economy
The Fed May Move. Your Mortgage Rate May Not.
The most important interest rate for home buyers is not the one most people are watching
Market Updates
Rates finish a mixed data week slightly lower
July retail sales fell 0.6%, underlying producer prices rose 0.4%, and the latest representative Conventional rate averages 6.653%.
Market Updates
Retail sales fell and Treasury yields eased
July retail sales fell 0.6% to $763.6 billion, the 10-year Treasury eased near 4.62%, and today's representative Conventional rate is 6.73%.
Market Updates
Producer prices held flat, but core pressure stayed firm
July producer prices were unchanged, a core measure rose 0.4%, the 10-year Treasury was near 4.67%, and the latest daily Conventional index was 6.74%.
Market Updates
Inflation matched forecasts, and bonds held steady
July inflation matched forecasts, the 10-year Treasury held near 4.67%, and the latest daily mortgage indexes were 6.79% Conventional, 6.31% FHA, and 6.32% VA.
Market Updates
Oil and Treasury yields rise before tomorrow's inflation report
Oil climbed again and the 10-year Treasury moved near 4.73% before Wednesday's inflation report, creating a less friendly morning backdrop for mortgage pricing.
Market Updates
After the jobs report, attention turns to CPI and PPI
July payrolls fell by 23,000 and prior months were revised lower. The 10-year Treasury closed Friday at 4.65%, while this week’s CPI and PPI reports now hold the next major test for mortgage rates.
Market Updates
A weak July jobs report pulled Treasury yields lower, but housing got a mixed message
Payrolls fell by 23,000 in July, prior months were revised lower, and wage growth cooled. Treasury yields dropped as markets reduced near-term tightening expectations, a rate-friendly move paired with a less reassuring employment backdrop.
Market Updates
Low layoffs met rising continuing claims, leaving mortgage rates without an all-clear
Initial jobless claims stayed historically low while continuing claims climbed, productivity improved, and labor costs remained contained. The mix helped bonds at the margin, but elevated mortgage rates continued to restrain housing demand.
Market Updates
Services expanded, hiring contracted, and Treasury held supply steady
July services activity stayed firm while employment contracted and price pressure accelerated. Treasury kept auction sizes steady, leaving mortgage markets with modest relief, but no inflation all-clear.
Market Updates
A 14% weekly oil rally put household resilience and inflation on a collision course
WTI finished its strongest week in months near $82 while short Treasury yields stayed restrictive, forcing housing to weigh healthy demand against a renewed energy shock.
Market Updates
A 41.4 Philly Fed reading complicated the case for lower rates
Regional manufacturing surged far beyond expectations while oil below $80 offered a competing inflation signal, leaving housing with a mixed market day.
Market Updates
Amazon jumped, Apple fell 7.4%, and the 10-year Treasury reached 4.71%
A wild July ended with stronger oil, expensive gasoline, and sharply divided technology earnings, while long yields kept pressure on housing.
Market Updates
Brent touched $95 as the 10-year Treasury reached 4.65%
A renewed energy shock pushed long yields and mortgage pressure higher while Alphabet's earnings kept the artificial-intelligence investment debate alive.
Market Updates
Brian Moynihan warned inflation could linger as Treasury yields opened Fed week higher
The Bank of America chief executive's higher-for-longer view collided with oil relief and a crowded policy calendar, leaving mortgage markets defensive.
Market Updates
Cooler inflation gave bonds room to breathe, but shelter kept housing cautious
Treasury yields eased after softer inflation evidence, giving mortgage markets a friendlier direction without proving that the longer trend had changed.
Market Updates
D.R. Horton cut its outlook as mortgage costs kept demand from becoming closings
America's largest homebuilder showed that buyer interest could remain real while elevated mortgage rates, incentives, and affordability constrained transactions.
Market Updates
Kevin Warsh told Congress housing was lagging while inflation remained the Fed's test
The Federal Reserve chair put elevated mortgage costs and weak housing beside a firm inflation commitment, while supply proposals highlighted how slowly new homes reach buyers.
Market Updates
Microsoft surged while the 30-year Treasury reached 5.22%
Strong artificial-intelligence earnings lifted stocks, but the bond market treated the Fed's divided hold as insufficient protection against inflation.
Market Updates
Oil above $90 and a 4.70% Treasury yield tightened the housing vise
West Texas crude settled near $90.50 while the 10-year yield reached its highest level of the year, combining inflation pressure with weaker mortgage affordability.
Market Updates
Oil climbed to $73.88 as a 9% Korean selloff exposed the other side of the AI boom
Energy inflation returned, South Korea's KOSPI fell 8.95%, and modest U.S. retail growth left mortgage markets balancing price pressure against global risk.
Market Updates
Oil fell 7.5% as a U.S.-Iran pause gave Fed week a less inflationary start
WTI settled at $82.61, stocks split, and investors assigned meaningful odds to a rate hike ahead of the Federal Reserve decision.
Market Updates
Oil fell almost 5.5%, but a 5.23% long bond kept housing cautious
Diplomacy removed part of the oil war premium while the 10-year and 30-year Treasury yields remained high enough to constrain mortgage affordability.
Market Updates
Oil near $81 gave the Fed a little room, but markets still priced a live decision
Energy retreated below its recent peak while technology shares and Middle East supply risk kept financial conditions unsettled one day before the Fed announcement.
Market Updates
Oil plunged, Palantir surged, and the bond market found a little relief
Oil fell sharply on possible progress at the Strait of Hormuz while softer trade and hiring data helped long-term bonds, even as Palantir and Caterpillar showed that AI investment remained powerful.
Market Updates
SK hynix raised $26.5 billion as Delta tested the strength of the consumer
A record foreign listing, resilient travel demand, contained oil, and a 10-year Treasury near 4.57% made July 10 a study in strong investment and stubborn financing costs.
Market Updates
The Fed held at 3.50% to 3.75%, but three officials wanted a hike
A 9 to 3 decision, a 7.3% jump in Brent crude, and a rise in the 10-year Treasury to 4.68% denied housing the relief implied by the word hold.
Market Updates
Treasury yields held near 4.67% as Oracle signed a Pentagon agreement worth almost $7 billion
Long-term financing stayed expensive while a major government software agreement showed that selected investment remained powerful before the Fed meeting.
Market Updates
Could the midterms affect mortgage rates and housing?
Midterms do not show a dependable national mortgage-rate pattern. Here is how election outcomes can still reach housing through policy, Treasuries and credit.
Rates & Economy
Fed week without the guessing game: four mortgage-rate signals to watch
The Fed meets October 27 and 28. Here are the four signals that can move mortgage pricing, plus the exact California release times.
Market Updates
Homebuyers await housing data and Fed minutes
The 10-year Treasury finished Friday at 4.68%, while the latest representative Conventional rate averages 6.653% before key housing data and Federal Reserve minutes.
More to explore
Rates & Economy
The Fed May Move. Your Mortgage Rate May Not.
The most important interest rate for home buyers is not the one most people are watching
Market Updates
A 41.4 Philly Fed reading complicated the case for lower rates
Regional manufacturing surged far beyond expectations while oil below $80 offered a competing inflation signal, leaving housing with a mixed market day.
Market Updates
Brian Moynihan warned inflation could linger as Treasury yields opened Fed week higher
The Bank of America chief executive's higher-for-longer view collided with oil relief and a crowded policy calendar, leaving mortgage markets defensive.
Market Updates
Kevin Warsh told Congress housing was lagging while inflation remained the Fed's test
The Federal Reserve chair put elevated mortgage costs and weak housing beside a firm inflation commitment, while supply proposals highlighted how slowly new homes reach buyers.
Market Updates
Microsoft surged while the 30-year Treasury reached 5.22%
Strong artificial-intelligence earnings lifted stocks, but the bond market treated the Fed's divided hold as insufficient protection against inflation.
Market Updates
Oil fell 7.5% as a U.S.-Iran pause gave Fed week a less inflationary start
WTI settled at $82.61, stocks split, and investors assigned meaningful odds to a rate hike ahead of the Federal Reserve decision.
Market Updates
Oil near $81 gave the Fed a little room, but markets still priced a live decision
Energy retreated below its recent peak while technology shares and Middle East supply risk kept financial conditions unsettled one day before the Fed announcement.
Market Updates
The Fed held at 3.50% to 3.75%, but three officials wanted a hike
A 9 to 3 decision, a 7.3% jump in Brent crude, and a rise in the 10-year Treasury to 4.68% denied housing the relief implied by the word hold.
Market Updates
Treasury yields held near 4.67% as Oracle signed a Pentagon agreement worth almost $7 billion
Long-term financing stayed expensive while a major government software agreement showed that selected investment remained powerful before the Fed meeting.