The Truth About Mortgage

Why Mortgage Rates Are Near a One-Year High

Colin Robertson — Tue, 25 Aug 2026 20:06:45 +0000

While they aren’t at their absolute worst, mortgage rates remain very close to their one-year high. They’re about .125% below their 52-week highs, which were seen in late July before we got some favorable economic data. However, they remain stubbornly high with no real relief in sight. Let’s break down how they got here and… Read More »Why Mortgage Rates Are Near a One-Year High

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Is AI Pushing Mortgage Rates Higher?

Colin Robertson — Mon, 24 Aug 2026 17:23:36 +0000

A lot of the recent uptick in mortgage rates has been attributed to the ongoing war with Iran. But there is perhaps another, lesser known reason mortgage rates have pushed back into the high 6s. And it’s all the artificial intelligence (AI) spending, which has arguably crowded out other investments, leading to higher bond yields.… Read More »Is AI Pushing Mortgage Rates Higher?

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Mortgage Rates Simply Trying to Limit the Damage Right Now

Colin Robertson — Thu, 20 Aug 2026 15:41:27 +0000

The best way to sum up mortgage rates right now is any “good news” is simply stopping the bleeding. You’re not seeing sizable drops when positive stuff happens. And we’ve had a few decent things happen lately. All you’re really seeing is rates managing not to get much worse than they already are. And perhaps… Read More »Mortgage Rates Simply Trying to Limit the Damage Right Now

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Mortgage Rates Get Help From Unexpected Treasury Buyback Program

Colin Robertson — Wed, 19 Aug 2026 15:49:33 +0000

Just as it appeared there was no relief in sight for mortgage rates, the Treasury Department stepped in. No, this isn’t QE all over again, and mortgage rates aren’t headed back to the 3s. Wishful thinking. But it is a way to boost liquidity in the bond market, which should help push mortgage rates a… Read More »Mortgage Rates Get Help From Unexpected Treasury Buyback Program

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Can Jim Cramer Save Mortgage Rates?

Colin Robertson — Tue, 18 Aug 2026 18:28:53 +0000

It seems mortgage rates can’t catch a break lately. So maybe we need a Plan B. Or rather, a Plan C! Have you ever heard of Inverse Cramer? Whenever Jim Cramer says something, the opposite tends to happen. It’s a powerful market signal. And he just said bonds keep dropping relentlessly, meaning their yields or… Read More »Can Jim Cramer Save Mortgage Rates?

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Despite Good Inflation Reports, Mortgage Rates Stuck Near 52-Week Highs

Colin Robertson — Mon, 17 Aug 2026 23:18:17 +0000

It feels like nothing will really help mortgage rates move lower at the moment. Sure, they came down a handful of basis points from a week ago, but the movement was pretty negligible. The 30-year fixed hit a fresh 52-week high in late July, at around 6.875%, but remains around 6.75%. In other words, rates… Read More »Despite Good Inflation Reports, Mortgage Rates Stuck Near 52-Week Highs

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In-Line CPI Report Takes Pressure Off Mortgage Rates, But Major Relief Still Elusive

Colin Robertson — Wed, 12 Aug 2026 14:20:17 +0000

An in-line CPI report released this morning means mortgage rates should continue to avoid going much higher. At the same time, they seem to be enjoying little relief when the good news does arrive. Which kind of speaks to them being further entrenched at these levels, and also in need of a deal with Iran… Read More »In-Line CPI Report Takes Pressure Off Mortgage Rates, But Major Relief Still Elusive

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Can You Get a 4% Mortgage Rate Still?

Colin Robertson — Mon, 10 Aug 2026 22:55:26 +0000

Mortgage rate Q&A: “Can you get a 4% mortgage rate?” This seems to come up a lot now that mortgage rates are no longer on sale. Prospective home buyers want to know if you can still get a super-low mortgage rate. Maybe not a 2-3% rate, but something in between, such as a 4-handle. Even… Read More »Can You Get a 4% Mortgage Rate Still?

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Mortgage Rates Catch a Break as Job Growth Goes Negative

Colin Robertson — Fri, 07 Aug 2026 15:52:21 +0000

The July jobs report just came out and it was very ugly. So ugly that the number of jobs created was negative instead of positive. While that doesn’t bode well for the economy, it’s certainly a tailwind for mortgage rates. It takes pressure off the Fed to hike in September, and it counteracts the fear… Read More »Mortgage Rates Catch a Break as Job Growth Goes Negative

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Mortgage Rates Move Higher on Jobs Report Defense

Colin Robertson — Thu, 06 Aug 2026 18:07:59 +0000

Mortgage rates moved higher again today on the eve of the July jobs report. The monthly jobs report from the Bureau of Labor Statistics (BLS) is always the biggest potential mover of mortgage rates. It carries the most weight because it can impact Fed decision making the most. While the Fed doesn’t set mortgage rates,… Read More »Mortgage Rates Move Higher on Jobs Report Defense

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