Mortgage Rates vs. Market Mayhem: Who’s Winning?
- Neil Caron
- Apr 3
- 2 min read
Updated: Apr 4
Jobs data, tariff talk, and Fed speeches could drive mortgage rates even lower — are you ready?
Mortgage rates have been sprinting downhill since January 14, surprising many experts who expected inflation and trade tensions to push them higher. For homebuyers, this drop has been a welcome tailwind, giving a noticeable boost to purchase applications through Q1.
Now, all eyes are on April 2 — dubbed “liberation day” by President Trump — as we wait to see what new tariff developments might emerge. But that’s not the only headline with the power to move markets. This week also brings critical labor market data and several Federal Reserve speeches. At ReadySetLoan, we believe jobs data often packs more punch than inflation chatter when it comes to influencing mortgage rates.
Let’s unpack what this means for you.
10-Year Treasury Yields and Mortgage Rates: The Forecast
At ReadySetLoan, we’ve been tracking the bond market closely, and here’s what we see for 2025:
Mortgage Rate Range: 5.75% to 7.25%
10-Year Treasury Yield: 3.80% to 4.70%
📉 RSL Piggy Points: What Happened Last Friday?
Inflation data came in slightly hotter than expected — not usually great news for rates.
But despite that, mortgage rates fell alongside the 10-year Treasury yield and stock prices.
Why? We’re seeing early signs of economic softening — weaker-than-expected consumer spending and plunging consumer sentiment.
The uncertainty around the trade war and conflicting policy signals is starting to shake confidence.
The RSL Perspective
In this ever-shifting market, one thing remains clear: confidence is everything. When consumers feel uneasy about jobs, inflation, or government policy, it shows up in sentiment data — and often in mortgage rates too.
That’s why ReadySetLoan stays laser-focused on the full picture: not just inflation headlines, but employment data, bond yields, and market psychology. We’re not just watching the race — we’re running it alongside you, guiding you around every curve.
Thinking about locking in a rate or wondering if now's your moment to jump into the market?Let ReadySetLoan be your pace-setter. We’re your trusted guide, keeping you informed and ready to win your homeownership race.
🏁 Ready to cross the finish line? Reach out to us at ReadySetLoan — your educational partner in all things mortgage.
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