Bill Hills | Loans to $30MM
Senior Originator
Interconnect Mortgage, Inc.
M: (847) 830-2312
FloridaLuxuryLending.com
5220 Hood Rd
Ste 110
Palm Beach Gardens Florida 33418
License:
NMLS# 843018
Equal Housing Opportunity

Bonds End Unchanged After Another Quiet Session

Monday, December 29, 2025

Bonds End Unchanged After Another Quiet Session

This is essentially placeholder commentary to serve as Friday's recap even though no commentary is needed this week.  Bonds saw some incidental strength in the AM and weakness heading into the PM. The net effect was unchanged trading levels by the 3pm CME close. 

Latest Video Analysis

Bonds End Unchanged After Another Quiet Session

MBS & Treasury Markets
UMBS 5.0 99.89 +0.05 10YR 4.120% -0.013% 12/29/2025 8:27AM EST
MBS Down an Eighth From Highs
This is more of a heads-up than a high-urgency reprice alert. If you were going to lock or float today, nothing that's happening right now should change your mind. But the "lock" crowd has a bit less incentive to wait. MBS are off the AM highs to the tune of 5 ticks (.16). Jumpier lenders could technically justify a negative reprice, but it's worth considering that pricing strategies on days like today can be very different than normal.  For example if your opening ra...   READ MORE
MBS Morning:
Technically Open, But Unofficially Still a Holiday Trading Session
MBS Morning:
Bonds Are Open... Sort Of
Today's Mortgage Rates
30YR Fixed 6.20% -0.01% 15YR Fixed 5.74% +0.00% 12/26/2025
Mortgage Rates Match 2-Month Lows
Because mortgage rates are determined by the bond market, a boring market day typically translates to a boring mortgage rate day. But that's not entirely true today. While the level of movement is indeed very small, it only took a small movement to get the average 30yr fixed rate down to their lowest levels since the end of October.   Next week should be another slow one for rates, but things should pick up progressively as 2026 gets underway.   READ MORE
Last Week This Week Next Week
Economic Calendar
Time Event Period Actual Forecast Prior
Monday, Dec 29
10:00AM Nov Pending Home Sales (%) Nov 3.3% 1% 1.9%
10:30AM Dec/19 Crude Oil Inventory (ml) Dec/19 -2.6M -1.274M
Tuesday, Dec 30
8:15AM ADP Employment Change Weekly
9:00AM Oct CaseShiller 20 mm nsa (%) Oct -0.5%
9:00AM Oct FHFA Home Price Index m/m (%) Oct 0.1% 0%
9:00AM Oct Case Shiller Home Prices-20 y/y (% ) Oct 1.1% 1.4%
9:00AM Oct FHFA Home Prices y/y (%) Oct 1.7%
9:45AM Dec Chicago PMI Dec 39.5 36.3
2:00PM FOMC Minutes
Recent Housing News
Read My Latest Newsletter
Mortgage Market in Holiday Mode Despite Big-Ticket Data
12/19/2025 4:08PM
The two most important economic reports of the month were released this week. Both showed promising results for rates, and although rates improved, the reaction was smaller than expected . First up was November's jobs report, which came out on Tuesday morning. It showed the highest unemployment rate since 2021 at 4.6%--well above the 4.4% forecast. Under normal circumstances, this woul... READ MORE
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Bill Hills | Loans to $30MM
Senior Originator
Interconnect Mortgage, Inc.
M: (847) 830-2312
FloridaLuxuryLending.com
5220 Hood Rd
Ste 110
Palm Beach Gardens Florida 33418
License:
NMLS# 843018
Equal Housing Opportunity
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Reproduction or redistribution this newsletter, outside of the distribution services provided, is prohibited. Interest rate data provided in this newsletter are national averages. Rate/APR terms may differ. All information provided "as is" for informational purposes only.