Скачать или смотреть Why Your Interest Rate Isn’t Random | How Lenders Actually Price Debt

Why Your Interest Rate Isn’t Random | How Lenders Actually Price Debt

Interest rates aren’t guesswork — and they’re definitely not arbitrary.

In this video, I break down how lenders actually price interest rates, from the 10-Year Treasury and SOFR to bond investors, credit spreads, and risk premiums. Whether you’re borrowing for commercial real estate, investment property, or owner-occupied financing, understanding how rates are built helps you make smarter decisions and avoid costly mistakes.

We cover:

Why base rates like Treasuries and SOFR matter

How bond investors influence mortgage pricing

What risk premiums lenders add — and why

Why two borrowers can get very different rates

How market volatility impacts loan pricing in real time

If you’ve ever wondered why rates move, why your quote changed, or why another borrower got a different number, this breakdown will give you clarity most lenders never explain.

I’m Bill Rapp, a Texas-based mortgage and commercial real estate advisor. My goal is to explain lending in plain English so you can evaluate deals with confidence — not confusion.

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