HousingWire Daily Better mortgage spreads drop mortgage rates to yearly low
8 snips
Aug 8, 2025 
Logan Mohtashami, Lead Analyst at HousingWire, dives into the recent drop in mortgage rates due to improved mortgage spreads. He discusses how these favorable spreads could bring rates below 6%, benefiting both lenders and buyers. The conversation covers historical trends and the Federal Reserve's role in shaping future rates amidst a changing labor market. Logan also hints at evolving sentiments within the Fed and shares exciting prospects for networking at the upcoming IMB Summit. Get ready for insights that could reshape your understanding of the housing market!
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Spreads Now Open Door To Sub‑6% Rates
- Mortgage spreads have improved to the best level of the year and can enable lower mortgage rates.
- Logan Mohtashami says this makes talking about sub‑6% rates plausible.
Spreads Returning Toward Historical Norms
- Spreads are moving closer to historical norms after peaking during stress events.
- Logan Mohtashami notes decades saw spreads well below recent peaks.
Sustain Lower Rates To Unfreeze Market
- Sustained low mortgage rates — not brief dips — are key to unfreezing demand.
- Logan Mohtashami emphasizes rate duration draws sidelined buyers back.