Mortgage-Rates-News โ€“ for the week of November 13, 2023




๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ

Mortgageย ratesย crept higher last week as markets reacted to Fed Chair Jerome Powell saying Thursday that he and other Fed officials remain committed to bringing inflation down to 2% and would not hesitate to raise policyย ratesย further as needed to do so.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ฎ๐˜† ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ

This week brings inflation data and retail sales data which both will have an effect on mortgageย ratesย for the week. If data comes in favorably, it could helpย ratesย drop a bit, however the current outlook shows that inflation could come in higher than expected and pressure mortgageย ratesย higher.

๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:

Economic data: There are concerns that consumer inflation readings on Tuesday could come in higher than expected due to a change in how health care costs are accounted for, which would cause markets to react in a way that could push mortgageย ratesย higher. Wednesday brings wholesale inflation data, although this is generally less of a market mover. Also, if retail sales data on Wednesday shows a strong economy, it could increase concerns about a possible Fedย rateย hike to come in December, which would pressure mortgageย ratesย higher.

Where are rates lately?

ย 

Rateย Update

ย 
Product Rate APR
Conventional 3% Down* 6.990% 7.344%
FHA 3.5% Down** 6.490% 7.244%
VA 0% Down** 6.625% 6.961%

*Based on a 485k loan amount with a $4,800 lender credit, 3% down, borrower with a 740 FICO. Broker compensation equal to 2.25% of the loan amount due from client at closing.

**Based on a $482.5k loan amount with a $4,700 lender credit, 3.5% down, borrower with a 740 FICO. Broker compensation equal to 2.25% of the loan amount due from client at closing.

***Based on a $726 loan amount with 1 discount point, 0% down, VA funding fee financed, borrower with a 740 FICO.ย  Includes broker compensation of 2.25% of the loan amount factored into the interestย rate.

Write a comment

Comments: 0