The Short Term Show What Falling Rates Mean for Real Estate Investors with Brenna Carles
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Sep 3, 2025 Brenna Carles, an expert in mortgage rates and the real estate market, shares her insights from leading Mortgage Shop. She discusses the impact of Powell's recent messaging on mortgage rates and what it means for investors. Brenna explains why lenders pre-price ahead of Fed meetings, and how economic indicators like the 10-year Treasury and inflation flow into rate sheets. She also highlights strategies for refinancing and using seller credits to create better financing options in today's market.
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Markets Anticipate Fed Moves
- Markets price mortgage moves ahead of Fed actions by anticipating Powell's signals.
- That anticipation explains why mortgage rates often fall before official Fed cuts are announced.
10-Year Treasury Guides Mortgage Moves
- Mortgage rates track the 10-year Treasury yield closely, moving with its daily changes.
- Significant moves in the 10-year (about half a percentage point) are usually needed to shift headline mortgage rates meaningfully.
Macro Data Drives Rate Direction
- Inflation, jobless claims, and non-farm payrolls drive mortgage direction by signaling consumer spending and labor strength.
- Weaker payrolls and rising jobless claims are currently lowering long-term mortgage rates.