Monday, August 8, 2016

Rates Threaten to Break Range; GSEs Survive Stress Test; Return of The Bidding War

Mortgage rates continued higher today, extending a sharp move that began on Friday following stronger-than-expected employment data. There are two distinctly different ways to look at the current rate environment. On the one hand, the average conventional 30yr fixed rate continues hovering in the mid 3's on top tier scenarios. While that's not quite as low as it was in early July, or on some occasions in 2012-2013, it's still in the territory of "all-time lows" in the big picture. On the other hand, current rates are near the highest levels in just over a month. This means they're 'threatening' --for lack of a better term--to break out of the low range that followed The UK's vote to leave the EU (Brexit). According to some schools of thought, once rates move up and out of that range, it could

from
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