A plain-English look at mortgage benchmarks, the bond market, inflation, and the reports that can change daily pricing. Every update includes the source date and survey basis so you know what the numbers actually mean.
Latest Update
September 10, 2026 · 6 min read
UMBS fell near 100.16, the 10-year Treasury pushed near 4.92%, and oil moved above $100. Here is why I would still carefully float a loan already in process.
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September 9, 2026
The morning float call changed after UMBS fell near 100.8 and the 10-year Treasury moved near 4.84%. Here is why I would lock a loan already in process after lunch.
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September 8, 2026
Oil pushed inflation worries higher, but the 10-year Treasury stayed near 4.79%. Here is why I would carefully float a loan in process while watching this week’s inflation reports.
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September 4, 2026
August hiring beat the forecast and Treasury yields moved higher, but inflation data still stands between this report and the Fed meeting. Here is why I would carefully float a loan in process and keep watching the file.
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September 3, 2026
Waller gave the rate market some room, Treasury yields eased, and Friday’s jobs report is still ahead. Here is why I would carefully float while watching the file.
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September 2, 2026
Private hiring missed the forecast, but Treasury yields remained near a multiyear high. Here is why I would carefully float a loan in process and keep watching the market.
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September 1, 2026
July job openings missed the forecast, but Treasury yields and oil stayed high. Here is why I would carefully float a loan in process while watching the next market floor.
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August 31, 2026
Treasury yields and oil moved higher before a packed jobs week. Here is why I would start Monday locked if you are closing in the next 30 to 45 days.
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August 28, 2026
The Fed did not schedule a hike, but Warsh’s Jackson Hole speech pushed Treasury yields and September hike odds higher. Here is what that means if you are shopping or already have a loan in process.
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