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Mortgage Rates Just Hit a 1-Year Low
Will the trend hold or is this just a rate blip?
October 24, 2025
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Mortgage rates dip to their lowest in over a year, offering a rare moment of relief for homebuyers amid economic uncertainty.
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Good Morning, Markets are climbing as falling mortgage rates revive housing optimism and ease pressure on consumers. We unpack what’s driving the drop, how it’s reshaping buyer behavior, and why inflation data could shift the outlook fast. If you're watching rate sensitive sectors, or thinking about real estate, this is the one to read.Trump abruptly ends trade talks with Canada, escalating North American tensions, China unveils a five-year plan prioritizing AI and quantum self reliance, and Europe faces a steep IPO decline as capital shifts toward the U.S. and emerging markets. My latest poll and trivia questions for you as always are below. Let's dive into Friday, here are your Morning Bullets. – Truly yours, Fred Frost |
📈 Yesterday's Market RecapMarkets edged higher yesterday, with U.S. stocks nearing record territory as the S&P 500 climbed 0.6% to 6,738.44. Strong earnings from Dow and Las Vegas Sands fueled optimism, while oil prices spiked 5.5% on new Russian sanctions.
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📈 Daily Performance Snapshot
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🔭 What to Watch TodayToday’s slate could sway markets, from inflation data to geopolitical chess moves. Keep your eyes peeled for these developments. |
💡 Opportunity WatchAmidst today’s headlines, a few sectors and stocks stand out as potential plays for the sharp-eyed investor.
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🔥 The Big BulletMortgage Rates Fall to Lowest Level in Over a YearWhat happened: Mortgage rates in the U.S. have dropped to their lowest point in over a year. According to the latest Freddie Mac data, the average rate on a 30-year fixed mortgage has fallen to 6.19%. This is a notable decline from the previous week’s 6.39% and a sharp reversal from the 7%+ rates seen earlier in the year. The drop comes amid signs of slowing inflation and a cooling housing market. Some buyers who had previously stepped back due to high borrowing costs are now returning. Buyers are regaining leverage as sellers adjust to the new environment. This change may help ease some of the pressure on the sluggish real estate sector. Overall, lower rates tend to help affordability, even if home prices remain high. Why it matters: High mortgage rates have been a major hurdle for homebuyers over the past year. With this recent decline, financing costs are easing, which could support more housing activity. This shift is especially important as the market adjusts to recent economic uncertainty. Some experts caution that rates are still likely to stay above 6% overall, despite this dip. Still, a more favorable rate environment may give builders, agents, and buyers a chance to reset. Investors in housing-related stocks and REITs should pay close attention. Changes in mortgage rates often influence broader consumer sentiment and spending. In short, this rate move could offer short-term relief but doesn’t guarantee a full recovery. What’s next: All eyes are now on the upcoming inflation data and Federal Reserve decisions. Friday's Consumer Price Index (CPI) report will be key in shaping expectations. If inflation keeps trending down, it may increase chances of a Fed rate cut in early 2026. That, in turn, could further pull mortgage rates lower. However, if inflation stays sticky or surprises to the upside, rates could climb again. Housing demand may remain sensitive to even small changes. Buyers should stay alert to new listings, incentives, and builder offers. Market watchers will also track bank earnings and lending activity for signs of momentum or slowdown.
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Reader Feedback
Yesterday, I asked you: Tesla’s profits fell, even though it sold more cars. Who do you think is most to blame for the stock drop? The majority of you at 75% said "The government: tariffs hurt profits"
Lynn from Georgia replied: "Companies have been trying to compensate for tariffs by raising prices. When you don't do that, your company will see a loss."
Here's what I'm asking you today:
As always if your opinion is not here, or you want to throw your two cents at me, reply to the E-mail, and let me know your exact thoughts.
🧭 Policy & Market Ripples
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📜 This Day in History – October 24October 24 has a financial heartbeat—markets, media, and machines all learning to synchronize across time and trust.
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Today's Trivia
Yesterday, 92% of you chose the right answer to the trivia question: When a government’s spending exceeds its revenue in a given period
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