In fact, for most prospective borrowers as well as mortgage professionals, the only thing better than sideways stability is a healthy drop to lower levels. Now, after a week of utter flatness, we finally have such a drop.
Rates are determined by trading levels in the bond market and bonds can be influenced by many factors. One of the most reliable is the periodic release of various economic reports. Today's key data showed less strength than expected in the services sector. In general, when an important economic metric is weaker than expected, it pushes rates lower, and vice versa.
https://www.mortgagenewsdaily.com/
网站的几部分，在跟帖里面介绍。
这个是客观供需关系和买卖统计。不一定适用于你的本地。但是对于宏观房贷和房市有一定参考作用。比如可以看到Home Sales这几年极具下落，如果哪一天上升了，就是大新闻。
这个不是帮你找deal的网站，而是让你知道你找的利率是不是deal。基本上看看市场平均值（不包括出租房，都是自住房利率）。研究房贷利率不是临时抱佛脚，而是要经常来给利率按按脉。
而且给出一年内最高值和最低值，一目了然。
从历史上看并不高，只是从低点往上走感觉上招租就难了许多，跟地区也有关。
https://www.mortgagenewsdaily.com/newsletter
当然这个考验阅读能力。不要期待任何爆炸新闻，或者内部消息。知识的积累就是AI 训练，质变的基础是量变。天天花五分钟看一看，起码把每一段的开头句子看一下，知道他们说的什么。然后把结论仔细读一下，不懂的去google，慢慢地就看懂业内的术语了。
不要只看标题，要体会每一个字。像考GRE一样，看逻辑关系。
比如，昨天的newsletter，标题是Mortgage Rates Finally Make a Move (Lower)
https://www.mortgagenewsdaily.com/markets/mortgage-rates-02052025
不要看标题就跳过了，而是要看内容。
In fact, for most prospective borrowers as well as mortgage professionals, the only thing better than sideways stability is a healthy drop to lower levels. Now, after a week of utter flatness, we finally have such a drop.
Rates are determined by trading levels in the bond market and bonds can be influenced by many factors. One of the most reliable is the periodic release of various economic reports. Today's key data showed less strength than expected in the services sector. In general, when an important economic metric is weaker than expected, it pushes rates lower, and vice versa.
这几句话说前一段时间利率持平，现在终于落了一点，可能是几个经济因素之中的某个因素比较变弱。读了这几句话，放到你脑子里面的文件夹就好了，不要到房坛轰动地说，哎呀利率降了降了。只要知道这件事，长期看到趋势，就够了。除了COVID，战争，或者轰动性时间，跟踪利率是一个很没趣味的事情。
https://www.mortgagenewsdaily.com/data/existing-home-sales