Why Mortgage Rates Are Going Up

 · Compare Mortgage Rates. Get Personalized Rates. Last Friday’s job report showed a deceleration in the pace of new jobs, up just 157,000 in July and the weakest since March. Upward revisions to the prior month, adding 59,000 jobs still made for a robust report. The unemployment rate fell to 3.9% from 4.0% reflecting how tight the job market is.

To cap it all off, mortgage rates have. difficult to forecast where rates are going to go right now because there’s so much uncertainty,” Hale said. “Anytime there’s a lot of uncertainty that just.

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 · One expert predicts rates could hit 5% mark. The Federal Reserve is expected increase mortgage rates up to three or four times in 2018, which could push 30-year mortgage rates up past 4% in 2018. As mortgage rates usually follow the Treasury Yield, the federal funds rate sets the tone for the direction mortgage rates will take. The Mortgage.

A blog featuring up to the minute commentary on mortgage rates and the mortgage backed securites markets.

To get an idea of where 30-year fixed rates will be, use a spread of about 170 basis points, or 1.70% above the current 10-year bond yield. This spread accounts for the increased risk associated with a mortgage vs. a bond. So a 10-yr bond yield of 4.00% plus the 170 basis points would put mortgage rates around 5.70%.

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Why did my bill go up? Let’s take a closer look at why your lender suddenly asked you to pay more. Typically, the total you pay toward the principal and interest should remain the same throughout the life of the mortgage (though the ratio of how much goes toward principal and toward interest will change).

Home Mortgage Rate News Small changes in mortgage rates can have a big impact on the housing market. north texas home sales fell about 6 percent in the fourth quarter of 2018 in large part due to higher home finance.

Rising mortgage rates' impact on housing If you can afford higher payments in the event that your rates go up, an adjustable rate mortgage might be the right move. Heck, you wouldn’t even take the first piece of pizza someone showed you..

 · Let’s say you decide to purchase a $300,000 home with a down payment of 20 percent, or $60,000, and apply for a $240,000, 30-year, fixed-rate mortgage. If that loan carries a rate of 3.66 percent — the rate in February 2016 — you would pay $1,099 per month,