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Housing Market Is "Going To Be Tough Going Forward" | Ivy Zelman
Thoughtful Money with Adam Taggart
Mortgage Rates Reflect Market Dynamics
Mortgage rates are closely linked to the 10-year Treasury yield, with historical spreads between the 10-year and 30-year fixed rates averaging around 170 basis points. Currently, however, this spread has widened to approximately 250-260 basis points due to the Federal Reserve's absence in purchasing mortgage-backed securities and reduced demand from major banks. This lower demand is pushing mortgage rates higher as investors seek greater returns amid concerns about prepayment risks, indicating that current trends in mortgage rates may persist for the foreseeable future.
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