{"id":2223,"date":"2025-11-19T21:00:20","date_gmt":"2025-11-19T21:00:20","guid":{"rendered":"https:\/\/finzexpert.com\/blog\/rates-mostly-steady-but-some-signs-of-trouble-in-the-afternoon\/"},"modified":"2025-11-19T21:00:20","modified_gmt":"2025-11-19T21:00:20","slug":"rates-mostly-steady-but-some-signs-of-trouble-in-the-afternoon","status":"publish","type":"post","link":"https:\/\/finzexpert.com\/blog\/rates-mostly-steady-but-some-signs-of-trouble-in-the-afternoon\/","title":{"rendered":"Rates Mostly Steady, But Some Signs of Trouble in The Afternoon"},"content":{"rendered":"<p> <\/p>\n<div>\n<p>It was a complicated day for mortgage rates.\u00a0 Officially, at the time of this article, the average top tier 30yr fixed rate is a hair lower than it was yesterday.\u00a0 But rates are based on bonds and bonds are telling a different story.<\/p>\n<p>In the wake of the release of the minutes from the most recent Fed meeting, bonds lost ground. This implies higher rates. The only reason it hasn&#8217;t resulted in higher rates today is timing. Specifically, the bond market losses just happened and most lenders have not yet made any adjustments.<\/p>\n<p>The implication is that tomorrow morning&#8217;s rates would be higher than they are today assuming bonds don&#8217;t change between now and then.<\/p>\n<p>An additional layer of complication is that we&#8217;ll receive the September jobs report at 8:30am ET tomorrow.\u00a0 Because most mortgage lenders publish their rates between 9:30and 10:30am ET, this means there will be another source of probably volatility to digest before rates come out.<\/p>\n<p>Bottom line: if tomorrow morning&#8217;s jobs data is much stronger than expected, rates would be quite a bit higher.\u00a0 But if the jobs report is weaker, it could offset the bond market losses seen this afternoon, thus keeping rates relatively unchanged.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>It was a complicated day for mortgage rates.\u00a0 Officially, at the time of this article, the average top tier 30yr fixed rate is a hair lower than it was yesterday.\u00a0 But rates are based on bonds and bonds are telling a different story. In the wake of the release of the minutes from the most [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2241,154,393,769,2240],"class_list":["post-2223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan","tag-afternoon","tag-rates","tag-signs","tag-steady","tag-trouble"],"_links":{"self":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts\/2223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=2223"}],"version-history":[{"count":0,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts\/2223\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/media\/2224"}],"wp:attachment":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=2223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=2223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=2223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}