How Mortgage-Backed Securities Set the Rate You Are Offered
Your loan rarely stays with the lender who made it. It is bundled and sold to investors, and what they pay shapes your rate. Here is how mortgage-backed securities actually set mortgage pricing.
What the 10-Year Treasury Has to Do With Your Mortgage Rate
Mortgage rates track the 10-year Treasury yield far more closely than the Federal Reserve. Here is how that link works, what the spread between them means, and why your own break-even math, not a rate forecast, is the signal that tells you when to refinance.
How the Federal Reserve Affects Mortgage Rates (and What It Doesn't)
The Fed and your mortgage rate are connected, but not the way the headlines suggest. Here is what the Fed actually controls, what it doesn't, and the factors that move your rate the most.
What Actually Moves Mortgage Rates: A Plain-English Guide for Homeowners
Mortgage rates are not random, and no single person sets them. This is the plain-English machinery behind them: the bond market, the 10-year Treasury, the spread, the Federal Reserve's real role, and inflation, plus the part of your rate you actually control.
What Actually Moves Mortgage Rates (and What It Means for Your Refinance)
The Fed does not set your mortgage rate. Here is what actually moves mortgage rates, in plain English, and which parts of your refinance you can control.