Tag 10-year treasury

Interest Rate

Treasury Yield vs Mortgage Rate: Why the Gap Between Them Matters to Homebuyers

Chart showing the spread between treasury yield and mortgage rate over time

Mortgage rates run 1.5–3 points above the 10-year Treasury yield — and that spread has widened to historic levels, keeping your monthly payment high even when yields fall.

Marcus Delgado
March 23, 2026

Interest Rate

Why Bond Market Movements Push Mortgage Rates Up Before the Fed Even Meets

Graph showing mortgage rate changes tracking bond market yield movements

Mortgage rates swung nearly 0.75% in two months without any Fed move. Here's why bond market signals matter more than FOMC decisions.

Marcus Delgado
June 5, 2025