04/04/2026
💥Rates are 📉down slightly from last week.
After vacation and burying my head in the sand from the increase in rates, here’s what going on: Oil & either optimism or pessimism are leading factors driving rates. Next week’s unemployment and payroll reports are what I’m concentrating on.💥
Affordability is still the biggest hurdle for buyers & sellers right now.
Here’s what I’m quoting today, heading into the weekend:
🏡 Conf 30yr Fixed = 6.25% / 6.318% APR
🏡 Conf 20yr Fixed = 6.125% / 6.275% APR
🏡 FHA 30yr Fixed = 5.676% / 5.767% APR
🏡 VA 30yr Fixed = 5.590% / 5.686% APR
🏡 USDA 30yr Fixed = 5.579% / 5.679% APR
Let’s connect for a quick strategy chat on ways to help your clients win in this market.
Rob
Empire Home Loans
NMLS 971525