Paul Gowen
Broker/Owner
Willamette Falls Financial
P: (503) 922-1499
M: (503) 381-0736
www.willamettefallsfinancial.com
4800 Meadows Rd
Suite 300
Lake Oswego OR 97035
License:
272830
MBS & US Treasury Markets
UMBS 5.5
99.27 -0.21
GNMA 5.5
99.64 -0.20
UMBS-15 5.0
99.69 -0.09
10 YR TREAS
4.680 +0.073
30 YR TREAS
5.202 +0.112
7/29 5:59:00PM EST : Delayed Data
A message from Paul Gowen:

Get a free online Total Cost Analysis for your best mortgage options. Click here.

30YR UMBS 5.5 30YR GNMA 5.5 15YR UMBS 5.0 10 Year Treasury 30 Year Treasury
Negative Reprice Risk Increasing
Wed, Jul 29 2026, 4:19 PM

MBS are now at new lows for the day with 5.5 coupons down 10 ticks (.31) in total and 5-6 ticks (.16-.19) from the morning price plateau. Most lenders could technically justify a negative reprice at this point, but especially those who repriced for the better this afternoon. 

Alert:
Lenders Who Dropped Rates After Fed May Need to Reprice
Commentary:
Here's What Changed in The New Fed Announcement
08:49 AM

Logically weaker overnight as Iran fighting resumes. MBS down an eighth and 10yr up 2bps at 4.628

12:08 PM

Weakest levels. MBS down 7 ticks (.22) and 10yr up 4.1bps at 4.648

02:02 PM

First move is stronger after Fed holds rates. MBS approaching unchanged levels and 10yr still up 1.4bps on the day at 4.62

04:20 PM

weakest levels. MBS down 9 ticks (.28) and 10yr up 8.6bps at 4.693

A message from Paul Gowen:

Get a free online Total Cost Analysis for your best mortgage options. Click here.

Paul Gowen
Broker/Owner
Willamette Falls Financial
P: (503) 922-1499
M: (503) 381-0736
www.willamettefallsfinancial.com
4800 Meadows Rd
Suite 300
Lake Oswego OR 97035
License:
272830
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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.