Todd Knudson’s Post

The No. 1 question for real estate in 2024 - what will happen with mortgage interest rates? Two main factors impacts the rates. - Treasury Bonds ( typically 20-30 yr. maturities) Investors compare yields on long-term Treasury's to mortgage-backed securities (MBS) and corporate bonds. - Federal Reserve rate indirectly impacts the mortgage rates because these are the rates banks can borrow from the Fed. Current 'expert' predictions indicate rates might vary a little and 'possibly' drop to around 5.5% by year end. It remains to be seen.

US Treasury Yields Drop, Mortgage Rates Fall: What It Means for You #10yearTreasurynote #ConsumerPriceIndexCPI #federalreserve #financialmarkets #housingdemand #inflationrate #interestratehikes #mortgagerates #refinancingactivity #USTreasuryyields

U.S. Treasury Note has creeped up over 4%. Fyi, typically the mortgage interest rates ride on top of U.S. 10 year Treasury Note.

The Federal Reserve indirectly influences mortgage rates through monetary policies that impact the price of credit. Here's how: 1. Federal Funds Rate: Changes in this rate can lead to higher or lower interest rates on mortgages. 2. Easing: By buying securities, the Fed injects money into the economy, which can lower mortgage rates. 3. Open Market Operations: Buying and selling government bonds affect liquidity and interest rates, impacting mortgage costs. Understanding these tools helps you anticipate mortgage rate changes and make better financial decisions. 🔍 Curious about how current Federal policies affect your mortgage options? DM me for expert advice and insights! Mortgage Resource Center: https://lnkd.in/gaSQw4GE #MortgageRates #FederalReserve #HomeBuying #RealEstateAdvice #FinanceTips #SmartBorrowing #InterestRates #IREAFLLC

Mortgage rates continue to climb, but what does that mean for clients? https://lnkd.in/ee8-CKYA #Independentfinancialadvisor #Compliance #financialadvisor #finance #money #trading #investment #business #wealth

Ever wondered how mortgage rates are determined? The Federal Reserve's Influence👇 You’ve probably heard of “the Fed.” They don’t set loan rates directly but adjust the federal funds rate—the rate banks pay to borrow from each other. This trickles down to the rates you get! Lender Policies👇 Lenders have their own costs, profits, and competition to consider. Some might offer lower rates to attract new customers, while others with a solid reputation might charge a bit more. Shop around for the best deal! Your Credit Score Matters👇 Your finances play a huge role! Lenders consider your income, debt, credit score, and more. Plus, different loans (FHA, USDA, VA) have unique requirements and rates. Knowing these factors can help you score the best mortgage rate.

This article fails to take the following into account: 1.) Amortization - the amount of the payment that goes to paying down the principal every month (to build equity)2. MID. Mortgage interest deduction tax benefit.3. Appreciation (to build wealth/equity)4. The disparity in net worth between those that own and those that don’t. https://lnkd.in/gp9M6wtf

Learn how the recent Federal Reserve rate cut could affect your mortgage and create opportunities for refinancing. Discover potential savings and financial benefits. #Refinance #MortgageRates #FedRateCut

Learn how the recent Federal Reserve rate cut could affect your mortgage and create opportunities for refinancing. Discover potential savings and financial benefits. #Refinance #MortgageRates #FedRateCut

Learn how the recent Federal Reserve rate cut could affect your mortgage and create opportunities for refinancing. Discover potential savings and financial benefits. #Refinance #MortgageRates #FedRateCut