rates

Mortgage-yield spread signals rising consumer risk, hinting at economic downturn pressures. 30 year average US mortgage rates are above 7% again! Dow Jones 1929 vs 2024 update

My take is that 30yr mortgage is in a pause before heading higher. — Alistair (@kiwiangloameric) December 21, 2024 BREAKING: 30 year average US mortgage rates are above 7% again, per Mortgage News Daily. — unusual_whales (@unusual_whales) December 21, 2024 $500 billion for 5 days? 🤨 https://t.co/RkcFxJ0OGq pic.twitter.com/NXfcFpSr3f — Financelot (@FinanceLancelot) December 21, 2024 Extremely …

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Fed rate cuts fail to lower 30-year mortgage rates, likely worsening. Credit spreads widened before and after the Fed meeting, reaching stress level. Cattle ignoring bonds.

1. The thought is the Fed could make homes more affordable by cutting interest rates So far, mortgage rates are doing opposite, and rising instead Why? Because mortgage rates move with the yield on the 10-year Treasury, which has surged this week pic.twitter.com/zk0c3UJi9Y — Michael Burry Stock Tracker ♟ (@burrytracker) December 20, 2024 3. A …

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No soft landing for real estate: Mortgage rates rise despite Fed’s three rate cuts. Home prices are contracting sharply. Home builder lenar just said road ahead will be choppy

What have we learned from the market this Fall? There are 2 paths forward for Real Estate and both are painful: 1. Higher rates, stagnant market, layoffs, prices grind flat or down 2. Lower rates that come when the economy collapses, not because the Fed waves a magic wand — Amy Nixon (@texasrunnerDFW) December 20, …

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Cap rates aren’t competitive, making real estate less attractive than bonds.

A theory for why CRE closed-end fundraising has fallen off a cliff: Cap rates and stabilized yields in real estate just aren't attractive compared to other asset classes. In many cases, quasi-government lending entities (Fannie and Freddie) in the multifamily space are getting… pic.twitter.com/Hv29TlLx2j — Shashankh Aryal (@aryal1994) December 17, 2024 TLDR: Real estate cap …

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Rising debt signals potential repeat of 1970s double-digit mortgage rates. If gold repeats 1970s parabola move. The largest bull market in history will be in gold.

Yields pre-warning that history is about to repeat. 1972 national debts 400million2024 national debt 35 trillion. How does a 10 to 15% mortgage rate look like today? pic.twitter.com/9Ki8eewmJb — The Great Martis (@great_martis) December 15, 2024 If gold repeats 1970s parabola move. The largest bull market in history will be in gold. 200 $ up …

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2024 mirrors 2021: Hindenburg Omen triggers, followed by two corrections and possible bear market. In Dec 2007, the Fed cut rates despite inflation concerns. History repeats.

In 2021 there were three spikes in Nasdaq Hindenburg Omens. The first two were followed by corrections -10%. The third one in November 2021 was followed by bear market. We see the same pattern in 2024. Two corrections (April, July) and a third spike in November: A Hindenburg… pic.twitter.com/VSngerA3Hl — Mac10 (@SuburbanDrone) December 13, 2024 …

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We’ve never seen the S&P 500 at all time highs with breadth this negative. Flawless 75-year recession predictor trigger. The Titanic has hit the iceberg. Secure your lifeboat before it’s too late.

We've never seen the S&P 500 at all time highs with breadth this negative. Let's do this. pic.twitter.com/3GuAVcn1l7 — Mac10 (@SuburbanDrone) December 13, 2024 Linkhttps://t.co/A9JxrqvurY pic.twitter.com/8qaDVxDPM3 — QE Infinity (@StealthQE4) December 13, 2024 ⚠️CENTRAL BANKS ARE CUTTING RATES AS IF GLOBAL RECESSION IS HERE⚠️ Bank of Canada cut rates by 0.50% on Wednesday for the …

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Job market imploding?! The Fed is going to cut rates again next week while food price inflation rises and stock valuations remain at extreme levels. Gold is about to start making headlines again!

#recession … #StockMarket Bubble edition https://t.co/p7cgcLzyrT pic.twitter.com/So5TXB58ic — Invariant Perspective (@InvariantPersp1) December 11, 2024 Big cap Tech performance last 8 trading days $GOOGL 14%$AAPL 5.5% $MSFT 6% $META 10% $TSLA 18% $NFLX 6% — TT3 (@TradingThomas3) December 11, 2024 Bitcoin rippingGold rippingMost stocks ripping. Why? Because the Fed is a farce and not restrictive and …

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If the economy wasn’t imploding, why is the Fed cutting rates when everything is at an all-time high?

1. Stocks: all-time highs2. Home Prices: all-time highs3. Bitcoin: all-time highs4. National Debt: all-time highs5. Core CPI Inflation: >3% for 42 straight months, longest run of high inflation since early 1990s6. Fed: cutting rates again in 2 weekshttps://t.co/rQuXrxVpWs — Charlie Bilello (@charliebilello) December 6, 2024 Let me be clear… The NFP numbers are BS! The …

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Buying a home right now at these elevated prices makes absolutely zero sense with rates this high. You can smell the desperation of the agents any house you walk into.

Yeah, I go to open houses every weekend, because I would like to buy a house but by the end of the day I’m just depressed. Rates double from a few years ago, sky high prices, and most houses need some work. People are pricing their houses higher than what they paid in 2022. 🙄 …

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Housing market crisis: High prices, high mortgage rates, low affordability, and no demand.

Yes it’s literally this bad out there for housing. Next up, price drops. No one can afford to buy at these prices with mortgage rates this high. There’s no demand because there’s no affordability. If prices dropped, inventory would eventually start moving again. https://t.co/pyAglXFk0B — QE Infinity (@StealthQE4) November 27, 2024 Today’s new home sales …

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Yen needed BoJ rate hikes two years ago, interventions now prove ineffective.

Told you… so many times… 😓 But no worries, #BOJ cannot afford to turn off the $JPY printer as you can see from the next line… https://t.co/onTdK9C5S9 pic.twitter.com/C96vRVxxsI — JustDario 🏊‍♂️ (@DarioCpx) November 18, 2024 Someone should really tell the #BOJ that continuing to bluff about hiking rates so trading algorithms bid the $JPY is …

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Bernie Sanders partners with Trump to cap credit card rates at 10%.

In an unexpected turn, Bernie Sanders has announced his willingness to collaborate with President Trump to cap credit card interest rates at 10%. This bipartisan agreement has drawn significant attention, as it addresses the rising concern over the financial burden of high credit card debt on American consumers. Sanders, a vocal critic of big banks, …

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Mortgage rates climb to 6.86%

🇺🇸MORTGAGE RATES KEEP CLIMBING AS MARKET BRACES FOR TRUMP-ERA IMPACTS The average 30-year fixed rate rose to 6.86%, as the market processed economic shifts expected under Trump’s presidency. While overall mortgage applications barely budged, edging up 0.5%, refinancing requests… pic.twitter.com/gVINTAlqhS — Mario Nawfal (@MarioNawfal) November 13, 2024

Repo failures surged 50%, swap spreads hit record lows. Credit card delinquency rates are reaching 2008’s levels. When is the rug pull coming?

Commodities are not feeling very inflationary right now. https://t.co/cS1Yveed7h pic.twitter.com/LbdPayQmSx — Financelot (@FinanceLancelot) November 11, 2024 I'm keeping a close eye on 5 year and 10 year breakeven inflation. We saw a similar breakout in 2008 when inflation expectations were the complete opposite of the real economy. https://t.co/8T6u9d8NV4 pic.twitter.com/7RTwh6ApRm — Financelot (@FinanceLancelot) November 10, 2024 …

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Did The US Treasury Yield Curve Predict Trump’s Victory? Mortgage Rates Rising With Rising 10Y Treasury Yield

by confoundedinterest17 Put it where you want it. Trump that is! The US Treasury yield curve (10Y-2Y CMT) went negative on April 1, 2024. And remains positive. The US Treasury 10Y-2Y CMT (constant maturity Treasury) peaked locally on March 29, 2024 and then fell, eventually turning negative on April 1, 2024. And remained negative until August …

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Federal Reserve cuts interest rates by a quarter point

https://www.cnbc.com/2024/11/07/fed-rate-decision-november-2024.html The Federal Reserve approved its second consecutive interest rate cut Thursday, moving at a less aggressive pace than before but continuing its efforts to right-size monetary policy. In a follow-up to September’s big half percentage point reduction, the Federal Open Market Committee lowered its benchmark overnight borrowing rate by a quarter percentage point, or …

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Credit Card Companies Drop BOMBSHELL On Interest Rates!

U.S. banks are taking defensive measures to secure their financial stability. The collapse of three regional banks and a series of rate hikes by the Federal Reserve have added to the uncertainty. As a result, more lenders have tightened their lending standards, as revealed by the Federal Reserve’s Senior Loan Officer Opinion Survey. The tightening …

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Canada’s household debt reaches 174.6% of gross income, making it more sensitive to interest rates than the U.S.

The Canadian economy faces a looming crisis, heavily influenced by staggering household debt levels. As of 2024, Canadian household debt stands at a staggering 174.6% of gross income, significantly higher than the 75% of GDP in the U.S. This means that Canadians are dedicating a far greater portion of their after-tax income to servicing their …

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Interest Rates explode.

Mortgage rates have spiked back up to 7% in 2024, with investors now beginning to sell properties because they can no longer make money on them. The skyrocketing interest rates is now causing even more forced selling in housing markets like Florida.

Cottage Cheese? Mortgage Applications Down 17% Since Last Week, Purchase Applications Down -60% Under Biden/Harris (Housing Prices Up 34.2% Under Biden/Harris While Mortgage Rates Up 138.6%)

by confoundedinterest17 I would like to see Kamala Harris explain why mortgage purchase applications are down -60% under Biden/Harris Presidency. Other than a word salad answer. Or Cottage Cheese. Mortgage applications decreased 17.0 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Applications Survey for the week ending October 11, …

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Bank Prime loans & NFIB short-term loan rates may soon fall as small businesses struggle; employers overwhelmed by graduate applications

US: Bank prime loans & NFIB short-term loan rates Soon to fall? 🤔 pic.twitter.com/SLE8afYmoM — Win Smart, CFA (@WinfieldSmart) October 9, 2024 “The most recent surveys by the NFIB show that business conditions are deteriorating quickly for smaller companies that create about 65% of the jobs in the US. I could show you a dozen …

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Thunderstruck! US Unemployment Rate Is 8.7%, More Than Double BLS Estimate Of 4.1% (Mortgage Rates Rising With Declining BLS Estimates)

by confoundedinterest17 Thunderstruck! Interest rates should be thunderstruck when realization dawns that the recend BLS jobs reporr was grossly mismeasured. National unemployment was 8.7% in this month’s Rasmussen Reports Real Unemployment and significantly more than double the 4.1% rate officially reported by the Bureau of Labor Statistics today. Mortgage rates are rising again with Friday’s surprising jobs report. But as it just …

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US credit card interest rates hit 23.4%, a record high, with debt at $1.36 trillion. Soaring rates and low savings create a perfect financial storm.

With savings rates at near-record lows, you have the perfect storm. ⛈️ https://t.co/3h3h5vXzaP pic.twitter.com/ng2y457iqa — The Great Martis (@great_martis) October 8, 2024 They’ve maxed out their balances. There’s no more pretend money to spend. Credit Card Spending Tanked in August; The American Consumer Tapped Out? How close are Americans to hitting their credit card limits? …

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