INTEREST RATES

Rate data as of morning of publication. Unless noted otherwise, all scenarios are assuming 30 Year-Fixed mortgage, Purchase or R/T Refinance. No origination points charged, 780 FICO score, and 20% down payment. Provided for consumer education only and does not serve as a binding offer to extend lending. Payment period, interest rate, APR, and other terms subject to income, asset, and credit profile qualification. Provided courtesy of GTG Financial, Inc. NMLS 1595076. Equal housing opportunity. www.nmlsconsumeraccess.org

⏱️ Rates in 60 Seconds

Mortgage rates are starting the week basically unchanged.
Despite a choppy bond market last week, we ended up right back to even compared to last Monday.

Stocks and mortgage bonds are slightly lower this morning, but pricing is steady because the bond market is waiting on major data.

⏳ Why This Week Matters

This is a high-impact week for rates.

• 🗓 Wednesday: Delayed January Jobs Report

• 🗓 Friday: CPI Inflation Report

What the Market Is Watching

• Jobs expected around 70,000

• Unemployment expected near 4.4%

• CPI expected to cool slightly, especially Core inflation

👉 Softer jobs or cooler inflation = bond-friendly = better rates.

🏠 Refinance Watch

• ~1.3M loans sit between 6.875%–7.00%

• A move toward 6% could unlock millions of refinance opportunities

• These windows tend to be brief

📌 Realtor Insight

Rates are flat for now, but this week decides the direction.
Wednesday and Friday matter, and a soft CPI could quickly shift buyer momentum.