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Bill Knudson

Mortgage Rates Update: September 13th, 2024

Upcoming releases:

 

  • The next new jobs report will be released October 4. The most recent was released September 6 (increased from 114,000 to 142,000 a moderate amount. Unemployment rate slightly decreased from 4.3% to 4.2%)


  • The next CPI will be released on October 10. The most recent was released September 11 (decreased from 2.9% to 2.5% as the the large Aug 2023 data fell out of the CPI annual 12 month rolling calc)

  • Next Fed meeting is September 18.

 

For the week ending 9.12.24 Mortgage rates DECREASED 15bp to 6.20%.


For a $100,000 loan the monthly payment remained at $612/mo or $0.33/day

 

Mortgage remained the same while the 10-year Treasury rates were DECREASED 5bp for the week ended 9/12/24. Spread decreased 10bp to 252bp. With the historical spread being 168 there now exists a “safety cushion” of 84bp 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 84bp above the historical norm.










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