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Bill Knudson

Mortgage Rates Update: July 12th, 2024

Upcoming releases:

 

  • The next new jobs release August 2 

  • The next CPI release is August 14    

  • The next Fed meeting is July 31

 

For the week ending 7.11.24 Mortgage rates DECREASED 6bp to 6.89%.


For a $100,000 loan, the monthly payment DECREASED $4.00 and to $658/mo or $0.13/day.

 

Mortgage rates DECREASED 6bp while the 10-year Treasury rates also DECREASED 8bp for the week ended 7/1124. Spread increased 2bp to 269bp. With the historical spread being 168 there now exists a “safety cushion” of 101bp above the historical spread.

 

The historic spread between the 10-year Treasury and mortgage rates is 168pb (see green line, right axis) and currently is 101bp above the historical norm.






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