Скачать или смотреть Existing Home Sales Rise Slightly, but Buyers Stay Cautious Heading Into Winter

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Mortgage rates opened the holiday-shortened week with almost no change, reflecting calm conditions across financial markets. Bond yields, which closely influence mortgage rates, finished Monday near the same levels seen late last week. With no meaningful movement in bonds, lenders had little reason to adjust pricing.
As a result, the average 30-year fixed mortgage rate remains near the lower end of the narrow range that has held for roughly four months. If rates were to fall meaningfully from here, they would move into territory not seen in more than three years. For now, though, stability is the dominant theme.
Holiday trading is a major reason rates may stay stuck. Over the next two weeks, bond markets will be fully closed for two days and partially closed on two others. Even on open days, trading volume will be much lighter than normal.
When participation drops this much, markets often behave in uneven ways. Small rate swings can happen, but they are usually short-lived and driven more by thin trading than real economic shifts. In most years, mortgage rates simply drift sideways during the holiday period.
Because of that, markets are unlikely to establish a clear direction until January. Once the holiday slowdown ends, investors will turn their attention back to fresh economic data. One of the most important upcoming releases is the January 9 jobs report, which often plays a major role in shaping bond yields and mortgage rates.
Until then, lenders are expected to remain cautious. Without new data, there’s little incentive to push rates higher or lower in a meaningful way.
For borrowers, the takeaway is straightforward. Mortgage rates are stable, but patience may be required for any real improvement. Rather than focusing on daily changes, borrowers should base rate decisions on personal timelines, comfort with risk, and closing needs.
As normal market activity resumes in January, jobs data, inflation reports, and broader economic trends will once again drive where mortgage rates go next. For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
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