Why Fed President Beth Hammack wants more rate hikes
Oil is near $70, but Fed hawks cite sticky inflation and full employment, keeping rate hikes in play and mortgage rates from falling.
Mortgage Rates
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How the housing market survived the Iran conflict
Mortgage spreads improved in 2026, keeping rates below 7% and helping demand hold up, even as oil spiked and inflation stayed hot.
Why mortgage rates haven’t followed oil prices by moving lower
Many people in the housing industry are wondering why mortgage rates haven’t fallen even as oil prices have dropped from $111 per barrel to less than $73 today. The 10-year Treasury yield is at 4.48% and mortgage rates are near their yearly highs.
Mortgage rates move near 6.8% as the potential for a Fed hike grows
Sentiment has shifted when it comes to rate expectations as more housing market observers are predicting at least one rate hike this year.
Will the Fed really hike rates 3 times in 2026, per Bank of America?
BofA forecasts three quarter-point Fed hikes in 2026, but market pricing and a 10-year yield near 4.51% argue for 0 to only one rate hike.
Keys to the housing market for the rest of 2026
The second half of 2026 hinges on whether demand stays positive with mortgage rates near 6.60% and tighter comps from July onward.
With Warsh’s Fed overhaul, mortgage rates face a new risk
Federal Reserve Chair Kevin Warsh’s new framework for the U.S. central bank carries significant implications for the mortgage industry and broader housing market.
What to look for in Kevin Warsh’s first Fed meeting
With oil at $75.80 and mortgage rates near 6.50%, housing is watching whether Warsh can keep the Fed patient on hikes.
Why housing demand is up and inventory is down in 2026
Pending sales rose to 75,856 vs 72,039 in 2025 as inventory turned negative year over year with mortgage rates near 6.58%.
Continued Iran conflict raises mortgage rate risk into late 2026
If the Iran conflict lasts five to six more months, the peak mortgage rate could run 0.375% to 0.435% above 6.75% despite better spreads.