09/01/2026
📈 The 10-year Treasury yield just hit 4.78% — its highest level since January 2025.
Here's why that matters even if you've never traded a bond: mortgage rates track the 10-year yield, not the Fed funds rate. When yields move like this, lenders reprice within days.
If your plan has been "wait for rates to drop," this week is worth a second look — waiting only pays off if the math actually moves in your favor, and right now it's moving the other way.
Want a real read on what this means for your purchase power today? Send us a message — we'll run your numbers, not a guess.