Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # LANDCO NEXA Real Estate We Think Differently About Every Investment ## Sitemaps - [XML Sitemap](https://landconexa.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://landconexa.com/blog/) - [Leadership Perspective](https://landconexa.com/leadership-perspective-31/) - The last four months of the year are different in this business.Sellers who spent the summer holding out for a better number start doing math against a December deadline. Lenders who extended in the spring open the same file and reach a different conclusion. Nothing about the asset changed. The calendar did.We spend most of - [Leadership Perspective](https://landconexa.com/leadership-perspective-30/) - Knowing something and being able to explain it are two very different skills.Luckily for us, Bill Knudson can do both.There's a lot happening in the world right now - inflation, what's going on in Iran, commodity markets - and most of it has big implications for the decisions we make at LANDCO NEXA. Figuring out - [10 Year Treasury UP 6bp for the Single Week Ending 8.20.26 For the Prior 2 Weeks no change](https://landconexa.com/10-year-treasury-up-6bp-for-the-single-week-ending-8-20-26-for-the-prior-2-weeks-no-change/) - For the past week, 10 Year Treasury rates up 6bp. Past 2 weeks down 0bp—no change. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates up 2bp. Yield Curve slightly more steep. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates decreased 2bp this week to come in at 6.65% for the week ending 8.20.26](https://landconexa.com/mortgage-rates-decreased-2bp-this-week-to-come-in-at-6-65-for-the-week-ending-8-20-26/) - For the week ending 8.20.26 Mortgage rates decreased by 2bp to 6.65%.This past week, for a $100,000 loan the monthly payment decreased $1 to $642/mo For the week ending 8.20.26 mortgage rates decreased 2bp, mean while the 10 Year Treasury rates were up6bp. Spread decreased 8bp. With the historical spread being 168 there now exists - [Unemployment Filings](https://landconexa.com/unemployment-filings/) - Gas Prices Mortgage Rates and Mortgage Monthly Payments Data as of Tuesday July 20, 2026 Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates increased 6bp this week to come in at 6.55% for the week ending 7.16.26](https://landconexa.com/mortgage-rates-increased-6bp-this-week-to-come-in-at-6-55-for-the-week-ending-7-16-26/) - For the week ending 7.16.26 Mortgage rates increased by 6bp to 6.55%.This past week, for a $100,000 loan the monthly payment increased $4 to $635/mo. For the week ending 7.16.26 mortgage rates increased 6bp, mean while the 10 Year Treasury rates were up3bp. Spread increased 3bp. With the historical spread being 168 there now exists - [10 Year Treasury up 3bp for the Single Week Ending 7.16.26 For the Prior 2 Weeks up 9bp](https://landconexa.com/10-year-treasury-up-3bp-for-the-single-week-ending-7-16-26-for-the-prior-2-weeks-up-9bp/) - For the past week, 10 Year Treasury rates up 3bp. Past 2 weeks up 9bp. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates up 1bp. Yield Curve slightly steeper. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-29/) - If an individual isn't learning, they're dying. I believe the same is true for an organization. LANDCO NEXA has changed a lot over the years. The markets have changed, the team has changed, the work has changed. But the one constant is how we think about growth - both business growth and the growth of - [Leadership Perspective](https://landconexa.com/leadership-perspective-28/) - The way I look at LANDCO NEXA's internship program is 1+1=3. The exchange of knowledge goes both ways, and there’s great mutual benefit on both sides. These are AI-native graduates. A lot of the conversation around them entering the workforce centers on job displacement, but what sticks out to me is what these graduates are - [Mortgage Rates increased 2bp this week to come in at 6.49% for the week ending 6.25.26](https://landconexa.com/mortgage-rates-increased-2bp-this-week-to-come-in-at-6-49-for-the-week-ending-6-25-26/) - For the week ending 6.25.26 Mortgage rates increased by 2bp to 6.49%.This past week, for a $100,000 loan the monthly payment increased $1 to $631/mo. For the week ending 6.25.26 mortgage rates increased 2bp, mean while the 10 Year Treasury rates were down6bp. Spread increased 8bp. With the historical spread being 168 there now exists - [10 Year Treasury down 6bp for the Single Week Ending 6.25.26 For the Prior 2 Weeks down 15bp](https://landconexa.com/10-year-treasury-down-6bp-for-the-single-week-ending-6-25-26-for-the-prior-2-weeks-down-15bp/) - For the past week, 10 Year Treasury rates down 6bp. Past 2 weeks down 15bp. Red line are current rates while green line is one week ago. For longer terms, down 5bp. Short term rates down 10bp. Yield Curve steeper. 2 year bonds were down 10bp. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates decreased 5bp this week to come in at 6.47% for the week ending 6.18.26](https://landconexa.com/mortgage-rates-decreased-5bp-this-week-to-come-in-at-6-47-for-the-week-ending-6-18-26/) - For the week ending 6.18.26 Mortgage rates decreased by 5bp to 6.47%.This past week, for a $100,000 loan the monthly payment decreased $3 to $630/mo. For the week ending 6.18.26 mortgage rates decreased 5bp, mean while the 10 Year Treasury rates were up1bp. Spread decreased 6bp. With the historical spread being 168 there now exists - [10 Year Treasury up 1bp for the Single Week Ending 6.18.26 For the Prior 2 Weeks down 1bp](https://landconexa.com/10-year-treasury-up-1bp-for-the-single-week-ending-6-18-26-for-the-prior-2-weeks-down-1bp/) - For the past week, 10 Year Treasury rates down 1bp. Past 2 weeks down 1bp. Red line are current rates while green line is one week ago. For longer terms, up 1bp. Short term rates up 15bp. Yield Curve flatter. Both 1 and 2 year bonds were up 15bp Bill Knudson, Research Analyst LANDCO NEXA - [10 Year Treasury down 2bp for the Single Week Ending 6.11.26 No change for the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-2bp-for-the-single-week-ending-6-11-26-no-change-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates down 2bp. Past 2 weeks no change. Red line are current rates while green line is one week ago. For longer terms, down 2bp. Short term rates up 3bp. Yield Curve slightly flatter. Bill Knudson, Research Analyst LANDCO NEXA - [10 Year Treasury up 2bp for the Single Week Ending 6.4.26 Down 10bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-2bp-for-the-single-week-ending-6-4-26-down-10bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 2bp. Past 2 weeks down 10bp. Red line are current rates while green line is one week ago. For longer terms, up 2bp. Short term rates up 3bp. Yield Curve slightly flatter Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates decreased 5bp this week to come in at 6.48% for the week ending 6.4.26](https://landconexa.com/mortgage-rates-decreased-5bp-this-week-to-come-in-at-6-48-for-the-week-ending-6-4-26/) - For the week ending 6.4.26 Mortgage rates decreased by 5bp to 6.48%.This past week, for a $100,000 loan the monthly payment decreased $3 to $631/mo For the week ending 6.4.26 mortgage rates decreased 5bp, mean while the 10 Year Treasury rates were up2bp. Spread decreased 7bp. With the historical spread being 168 there now exists - [Leadership Perspective](https://landconexa.com/leadership-perspective-27/) - I’m pleased to introduce David Van Waldick as CFO of Nexa Advisory Services.David brings decades of experience in real estate finance, capital markets, underwriting, structured lending, and strategic advisory services, including leadership and transactional experience with major financial institutions such as Wells Fargo Secondary Capital Markets and the KeyBank Private Equity Group.His background combines institutional-level - [10 Year Treasury DOWN 12bp for the Single Week Ending 5.28.26 Down 1bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-12bp-for-the-single-week-ending-5-28-26-down-1bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates down 12bp. Past 2 weeks down 1bp. Red line are current rates while green line is one week ago. For longer terms, down 10bp. Short term rates down 3bp. Yield Curve slightly flatter 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates increased 2bp this week to come in at 6.53% for the week ending 5.28.26](https://landconexa.com/mortgage-rates-increased-2bp-this-week-to-come-in-at-6-53-for-the-week-ending-5-28-26/) - For the week ending 5.28.26 Mortgage rates increased by 2bp to 6.53%.This past week, for a $100,000 loan the monthly payment increased $1 to $634/mo For the week ending 5.28.26 mortgage rates increased 2bp, mean while the 10 Year Treasury rates wereDOWN 12bp. Spread increased 14bp. With the historical spread being 168 there now exists - [Leadership Perspective](https://landconexa.com/leadership-perspective-26/) - I don’t find Winston Churchill inspiring because England ended up winning World War II. I find him inspiring because of everything he endured to accomplish that victory. Churchill was written off more times than I can count, as a politician, a military mind, and a financial thinker. He made some big mistakes. But he never - [Mortgage Rates decreased 1bp this week to come in at 6.36% for the week ending 5.14.26](https://landconexa.com/mortgage-rates-decreased-1bp-this-week-to-come-in-at-6-36-for-the-week-ending-5-14-26/) - For the week ending 5.14.26 Mortgage rates decreased by 1bp to 6.36%.This past week, for a $100,000 loan the monthly payment decreased $1 to $623/mo For the week ending 5.14.26 mortgage rates decreased 1bp, mean while the 10 Year Treasury rates were UP6bp. Spread decreased 7bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 1bp for the Single Week Ending 5.14.26 Up 7bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-1bp-for-the-single-week-ending-5-14-26-up-7bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 6bp. Past 2 weeks up 7bp. Red line are current rates while green line is one week ago. For longer terms, up 1bp. Short term rates up 5bp. Yield Curve slightly flatter 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [10 Year Treasury UP 1bp for the Single Week Ending 5.7.26 Up 7bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-1bp-for-the-single-week-ending-5-7-26-up-7bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 1bp. Past 2 weeks up 7bp. Red line are current rates while green line is one week ago. For longer terms, up 1bp. Short term rates up 4bp. Yield Curve slightly flatter 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-25/) - I recently read a Wall Street Journal piece that discussed a difficult position some private lenders are facing.Projects are taking longer than expected, and real estate valuations are decreasing. But neither of these things should come as a surprise if you’ve been paying attention to the market.When traditional banks pulled back around 2018 and 2019, - [Leadership Perspective](https://landconexa.com/leadership-perspective-24/) - We recently said goodbye to one of the best interns we've had the pleasure of working with. Joshua Goodloe spent 10 weeks with the LANDCO NEXA team, and in his time with us, something really cool happened. Yes, he got exposed to different corners of our business. Yes, he helped us test some exciting new - [Leadership Perspective](https://landconexa.com/leadership-perspective-23/) - We just solved a major problem at Landco NEXA.For a long time, keeping investors and clients fully informed on our deals required a lot of manual effort.Compiling reports, updating documents, coordinating what to share and when - it was all too much. We made it work, but the process wasn't elegant.We just fixed that.LANDCO NEXA - [Mortgage Rates decreased 7bp this week to come in at 6.23% for the week ending 4.23.26](https://landconexa.com/mortgage-rates-decreased-7bp-this-week-to-come-in-at-6-23-for-the-week-ending-4-23-26/) - For the week ending 4.23.26 Mortgage rates decreased by 7bp to 6.23%.This past week, for a $100,000 loan the monthly payment decreased $5 to $614/mo. For the week ending 4.23.26 mortgage rates decreased 7bp, mean while the 10 Year Treasury rates were UP2bp. Spread decreased 9bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 2bp for the Single Week Ending 4.23.26 Up 5bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-2bp-for-the-single-week-ending-4-23-26-up-5bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 2bp. Past 2 weeks up 5bp. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates up 1bp. Yield Curve virtually unchanged 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-22/) - I have seen too many real estate decisions driven by instinct alone, but that approach won’t survive 2026.Real estate is just capturing demographic moves. If you don’t understand how people actually respond to housing prices, mortgage rates, or their investment future, you’ve already missed what matters.It's always been possible to guess where the market is - [Mortgage Rates decreased 7bp this week to come in at 6.30% for the week ending 4.16.26](https://landconexa.com/mortgage-rates-decreased-7bp-this-week-to-come-in-at-6-30-for-the-week-ending-4-16-26/) - For the week ending 4.16.26 Mortgage rates decreased by 7bp to 6.30%.This past week, for a $100,000 loan the monthly payment decreased $5 to $619/mo. For the week ending 4.16.26 mortgage rates decreased 7bp, mean while the 10 Year Treasury rates were UP3bp. Spread decreased 10bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 3bp for the Single Week Ending 4.16.26 Up 1bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-3bp-for-the-single-week-ending-4-16-26-up-1bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 3bp. Past 2 weeks up 1bp. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates up 1bp. Yield Curve virtually unchanged 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-21/) - We've seen plenty of teams miss bigger opportunities while perfecting small details.It happens all the time, especially in software. Teams wait, overthink, or polish details that don’t move the needle. They spend months building something, only to realize it misses the mark. At that point, speed and quality both disappear because they lacked clarity at - [Leadership Perspective](https://landconexa.com/leadership-perspective-20/) - Our team intentionally avoids the old-school pyramid org chart.That model concentrates authority at the top and pushes decisions upstream, turning progress into a waiting game while executives weigh options.I’ve worked with plenty of organizations structured this way. Teams have to stop because a manager isn’t available. Decisions stall because someone insists on one more sign-off. - [Mortgage Rates decreased 9bp this week to come in at 6.37% for the week ending 4.9.26](https://landconexa.com/mortgage-rates-decreased-9bp-this-week-to-come-in-at-6-37-for-the-week-ending-4-9-26/) - For the week ending 4.9.26 Mortgage rates decreased by 9bp to 6.37%.This past week, for a $100,000 loan the monthly payment increased $6 to $624/mo. For the week ending 4.9.26 mortgage rates decreased 9bp, mean while the 10 Year Treasury rates wereDOWN 2bp. Spread decreased 7bp. With the historical spread being 168 there now exists - [10 Year Treasury DOWN 2bp for the Single Week Ending 4.9.26 Down 13bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-2bp-for-the-single-week-ending-4-9-26-down-13bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates down 2bp. Past 2 weeks DOWN 13bp. Red line are current rates while green line is one week ago. For longer terms, down 2bp. Short term rates down 1bp. Yield Curve unchanged 1 month is basically equals 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-19/) - If you want your team to trust you, stop walking in front of them and start walking with them.That’s the leadership lesson that Gabriela Bejarano understands well and demonstrated in our tour of Las Catalinas, the Northwest shore of Costa Rica, last year, pictured here.I was visiting a development site in Guanacaste, and we spent - [Leadership Perspective](https://landconexa.com/leadership-perspective-18/) - One of the most important lessons I’ve learned over my life is that indecision is still a decision.There have been moments in my life where I hesitated, and by not acting, I effectively made the decision for myself. The outcome didn’t pause just because I did. Control shifted away from me, and the consequences played - [10 Year Treasury DOWN 11bp for the Single Week Ending 4.2.26 Up 6bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-11bp-for-the-single-week-ending-4-2-26-up-6bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates up 17bp. Past 2 weeks UP 15bp. Red line are current rates while green line is one week ago. For longer terms, down 11bp. Short term rates down 15. Yield Curve increased 1 month is equal to 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates increased 8bp this week to come in at 6.46% for the week ending 4.2.26](https://landconexa.com/mortgage-rates-increased-8bp-this-week-to-come-in-at-6-46-for-the-week-ending-4-2-26/) - For the week ending 4.2.26 Mortgage rates increased by 8bp to 6.46%.This past week, for a $100,000 loan the monthly payment increased $5 to $629/mo. For the week ending 4.2.26 mortgage rates increased 8bp, mean while the 10 Year Treasury rates wereDOWN 11bp. Spread increased 19bp. With the historical spread being 168 there. The historic - [10 Year Treasury UP 14bp for the Single Week Ending 3.12.26 Up 25bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-14bp-for-the-single-week-ending-3-12-26-up-25bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 14bp. Past 2 weeks UP 25bp. Red line are current rates while green line is one week ago. For longer terms, UP 14bp. Short term rates up 7. Yield Curve increased. 1 month is 10bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates increased 11bp this week to come in at 6.11% for the week ending 3.12.26](https://landconexa.com/mortgage-rates-increased-11bp-this-week-to-come-in-at-6-11-for-the-week-ending-3-12-26/) - For the week ending 3.12.26 Mortgage rates increased 11bp to 6.11%. This past week, for a $100,000 loan the monthly payment increased $7 to $607/mo. For the week ending 3.12.26 mortgage rates increased 11bp, while the 10 Year Treasury rates were up 14bp. Spread decreased 3bp. With the historical spread being 168 there now exists - [Mortgage Rates increased 2bp this week to come in at 6.00% for the week ending 3.5.26](https://landconexa.com/mortgage-rates-increased-2bp-this-week-to-come-in-at-6-00-for-the-week-ending-3-5-26/) - For the week ending 3.5.26 Mortgage rates increased 2bp to 6.00%. This past week, for a $100,000 loan the monthly payment increased $2 to $600/mo. For the week ending 3.5.26 mortgage rates increased 2bp, mean while the 10 Year Treasury rates were up11bp. Spread decreased 9bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 11bp for the Single Week Ending 3.5.26 Up 5bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-11bp-for-the-single-week-ending-3-5-26-up-5bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 11bp. Past 2 weeks UP 5bp. Red line are current rates while green line is one week ago. For longer terms, UP 11bp. Short term rates up 7. Yield Curve increased. 1 month is 16bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-17/) - We don’t run our LANDCO NEXA quarterly internship program to be good Samaritans.In reality, we benefit just as much as our interns do.I’ve seen how, in a legacy industry like real estate, it’s easy to assume you know it all. But standing still is a death trap.Everything moves, everything changes, and if you don’t adapt, - [10 Year Treasury Down 6bp for the Single Week Ending 2.26.26 Down 16bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-6bp-for-the-single-week-ending-2-26-26-down-16bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were Down 6bp. Past 2 weeks Down 16bp. Red line are current rates while green line is one week ago. For longer terms, down 6bp. Short term rates rates up 2. Yield Curve flattened. 1 month is 22bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates Decreased 3bp this week to come in at 5.98% for the week ending 2.26.26](https://landconexa.com/mortgage-rates-decreased-3bp-this-week-to-come-in-at-5-98-for-the-week-ending-2-26-26/) - For the week ending 2.26.26 Mortgage rates decreased 3bp to 5.98%.This past week, for a $100,000 loan the monthly payment decreased $2 to $598/mo. For the week ending 2.26.26 mortgage rates decreased 3bp, mean while the 10 Year Treasury rates weredown 6bp. Spread increased 3bp. With the historical spread being 168 there now exists a - [10 Year Treasury Down 12bp for the Single Week Ending 2.12.26 Down 15bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-12bp-for-the-single-week-ending-2-12-26-down-15bp-for-the-prior-2-weeks-2/) - For the past week, 10 Year Treasury rates were Down 1bp. Past 2 weeks Down 21bp. Red line are current rates while green line is one week ago. For longer terms, down 1bp. Short term rates up 3. Yield Curve flattened. 1 month is 22bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates Decreased 8bp this week to come in at 6.01% for the week ending 2.19.26](https://landconexa.com/mortgage-rates-decreased-8bp-this-week-to-come-in-at-6-01-for-the-week-ending-2-19-26/) - For the week ending 2.19.26 Mortgage rates decreased 8bp to 6.01%.This past week, for a $100,000 loan the monthly payment decreased $5 to $600/mo. For the week ending 2.19.26 mortgage rates decreased 8bp, mean while the 10 Year Treasury rates weredown 1bp. Spread decreased 7bp. With the historical spread being 168 there now exists a - [Leadership Perspective](https://landconexa.com/leadership-perspective-16/) - I have seen too many real estate decisions driven by instinct alone, but that approach won’t survive 2026.Real estate is just capturing demographic moves. If you don’t understand how people actually respond to housing prices, mortgage rates, or their investment future, you’ve already missed what matters.It's always been possible to guess where the market is - [10 Year Treasury Down 12bp for the Single Week Ending 2.12.26 Down 15bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-12bp-for-the-single-week-ending-2-12-26-down-15bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were Down 12bp. Past 2 weeks Down 15bp. Red line are current rates while green line is one week ago. For longer terms, down 12bp. Short term rates unchanged. Yield Curve flattened 1 month is 27bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates Decreased 2bp this week to come in at 6.09% for the week ending 2.12.26](https://landconexa.com/mortgage-rates-decreased-2bp-this-week-to-come-in-at-6-09-for-the-week-ending-2-12-26/) - For the week ending 2.12.26 Mortgage rates decreased 2bp to 6.09%.This past week, for a $100,000 loan the monthly payment decreased $2 to $605/mo For the week ending 2.12.26 mortgage rates decreased 2bp, mean while the 10 Year Treasury rates weredown 12bp. Spread increased 10bp. With the historical spread being 168 there now exists a - [Leadership Perspective](https://landconexa.com/leadership-perspective-15/) - If your organization is struggling with team alignment, I recommend Topgolf.I’ve noticed that the strongest alignment comes from people spending time together outside of work, especially in a business as team-oriented as ours.That’s why we held our “Friends of NEXA” celebration in January, and why we chose Topgolf as our venue.We wanted movement, conversation, competition, - [Mortgage Rates Increased 1bp this week to come in at 6.11% for the week ending 2.5.26](https://landconexa.com/mortgage-rates-increased-1bp-this-week-to-come-in-at-6-11-for-the-week-ending-2-5-26/) - For the week ending 2.5.26 Mortgage rates increased 1bp to 6.11%. This past week, for a $100,000 loan the monthly payment increased $1 to $607/mo. For the week ending 2.5.26 mortgage rates increased 1bp, mean while the 10 Year Treasury rates were down3bp. Spread increased 4bp. With the historical spread being 168 there now exists - [10 Year Treasury Down 3bp for the Single Week Ending 2.5.26 Down 5bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-3bp-for-the-single-week-ending-2-5-26-down-5bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were Down 3bp. Past 2 weeks Down 5bp. Red line are current rates while green line is one week ago. For longer terms, down 1bp. Short term rates down 4bp. Yield Curve slightly steeper. 1 month is 28bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Unemployment Filings: Gas Prices, Mortgage Rates, and Mortgage Monthly Payments](https://landconexa.com/unemployment-filings-gas-prices-mortgage-rates-and-mortgage-monthly-payments/) - Bill Knudson, Research Analyst LANDCO NEXA - [Leadership Perspective](https://landconexa.com/leadership-perspective-14/) - When the government steps in to lower mortgage rates, who actually pays the price?That question came up for me after reading a Bloomberg piece about President Trump directing Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities.The administration’s goal was to push mortgage rates down and make housing more affordable. The idea - [Leadership Perspective](https://landconexa.com/leadership-perspective-13/) - Four years studying business won't tell you whether to answer your boss's weekend emails.And that's just one classic business dilemma that has nothing to do with org charts or P&L statements.There are dozens more: What's the dress code? How should you act in meetings? What should you expect for benefits? Should you stay late when - [10 Year Treasury zero change for the Single Week Ending 1.29.26 Up 9bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-zero-change-for-the-single-week-ending-1-29-26-up-9bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were zero change. Past 2 weeks up 9bp. Red line are current rates while green line is one week ago. For longer terms, down 1bp. Short term rates down 4bp. Yield Curve slightly steeper. 1 month is 22bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates Increased 1bp this week to come in at 6.10% for the week ending 1.29.26](https://landconexa.com/mortgage-rates-increased-1bp-this-week-to-come-in-at-6-10-for-the-week-ending-1-29-26/) - For the week ending 1.29.26 Mortgage rates increased 1bp to 6.10%.This past week, for a $100,000 loan the monthly payment increased $1 to $606/mo For the week ending 1.29.26 mortgage rates increased 1bp, mean while the 10 Year Treasury rates were down2bp. Spread increased 3bp. With the historical spread being 168 there now exists a - [Mortgage Rates Increased 3bp this week to come in at 6.09% for the week ending 1.22.26](https://landconexa.com/mortgage-rates-increased-3bp-this-week-to-come-in-at-6-09-for-the-week-ending-1-22-26/) - For the week ending 1.22.26 Mortgage rates increased 3bp to 6.09%.This past week, for a $100,000 loan the monthly payment increased $2 to $605/mo For the week ending 1.22.26 mortgage rates increased 3bp, mean while the 10 Year Treasury rates were up9bp. Spread decreased 6bp. With the historical spread being 168 there now exists a - [10 Year Treasury up 9bp for the Single Week Ending 1.22.26 Up 11bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-9bp-for-the-single-week-ending-1-22-26-up-11bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were up 9bp. Past 2 weeks up 11bp. Red line are current rates while green line is one week ago. For longer terms, up 9bp. Short term rates up 5bp. Yield Curve slightly steeper. 1 month is 26bp above 1 year. Bill Knudson, Research Analyst LANDCO NEXA - [Mortgage Rates increased 1bp this week to come in at 6.16% for the week ending 1.8.26](https://landconexa.com/mortgage-rates-increased-1bp-this-week-to-come-in-at-6-16-for-the-week-ending-1-8-26/) - For the week ending 1.8.26 Mortgage rates increased 1bp to 6.16%. This past week, for a $100,000 loan the monthly payment increased $1 to $610/mo. For the week ending 1.8.26 mortgage rates increased 1bp, mean while the 10 Year Treasury rates were up 1bp. Spreads were unchanged. With the historical spread being 168 there now - [10 Year Treasury up 1bp for the Single Week Ending 1.8.26 Up 0bp For the Prior 2 Weeks](https://landconexa.com/fwd-10-year-treasury-up-1bp-for-the-single-week-ending-1-8-26-up-0bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were up 1bp. Past 2 weeks up 1bp. Red line are current rates while green line is one week ago. For longer terms, up 1bp. Short term rates down 4bp. Yield Curve pivoting to be in a more positive position. 1 month is 26bp above 1 year. - [Mortgage Rates decreased 3bp this week to come in at 6.15% for the week ending 12.31.25](https://landconexa.com/mortgage-rates-decreased-3bp-this-week-to-come-in-at-6-15-for-the-week-ending-12-31-25/) - For the week ending 12.31.25 Mortgage rates decreased 3bp to 6.15%. This past week, for a $100,000 loan the monthly payment decreased $2 to $609/mo. For the week ending 12.31.25 mortgage rates decreased 3bp, mean while the 10 Year Treasury rates were up 3bp. Spreads decreased 6bp. With the historical spread being 168 there now - [10 Year Treasury up 3bp for the Single Week Ending 12.31.25 Up 3bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-3bp-for-the-single-week-ending-12-31-25-up-3bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were up 3bp. Past 2 weeks up 3bp. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates down 2bp. Yield Curve pivoting to be in a more positive position. 1 month is 26bp above 1 year. - [10 Year Treasury up 3bp for the Single Week Ending 12.25.25 Up 2bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-3bp-for-the-single-week-ending-12-25-25-up-2bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were up 3bp. Past 2 weeks up 2bp. Red line are current rates while green line is one week ago. For longer terms, up 3bp. Short term rates up 1bp. Yield Curve pivoting to be in a more positive position. 1 month is 22bp above 1 year. - [10 Year Treasury down 2bp for the Single Week Ending 12.18.25 Up 1bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-2bp-for-the-single-week-ending-12-18-25-up-1bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were down 2bp. Past 2 weeks up 1bp. Red line are current rates while green line is one week ago. For longer terms, down 2bp. Short term ratesdown 6bp. Short term down, longer term up. Yield Curve pivoting to be in a more positive position. 1 month - [Leadership Perspective](https://landconexa.com/leadership-perspective-12/) - The people who do the best work rarely talk about how good they are.Instead, they let their work speak for them.Steve Meyer is one of those people. As Senior Vice President at Metro Structures, a construction services provider engaged by LANDCO NEXA ventures, Steve has delivered cost reductions, time efficiencies, and quality improvements on our - [10 Year Treasury down 10bp for the Single Week Ending 11.26.25 Down 8bp For the Prior 2 Weeks (note had a holiday in it)](https://landconexa.com/10-year-treasury-down-10bp-for-the-single-week-ending-11-26-25-down-8bp-for-the-prior-2-weeks-note-had-a-holiday-in-it/) - For the past week, 10 Year Treasury rates were down 10bp. Net change in 2 weeks down 8bp. Holiday impacts the 14 day measurement period. Red line are current rates while green line is one week ago. For longer terms, virtually no changes. Same with 2 year and less. For terms 2+ years, the Yield - [Mortgage Rates increased 2bp this week to come in at 6.26% for the week ending 11.20.25](https://landconexa.com/mortgage-rates-increased-2bp-this-week-to-come-in-at-6-26-for-the-week-ending-11-20-25/) - For the week ending 11.20.25 Mortgage rates increased 2bp to 6.26%.This past week, for a $100,000 loan the monthly payment increased $1 to $616/mo. For the week ending 11.20.25 mortgage rates increased 2bps, mean while the 10 Year Treasury rates weredown 1bp. Spread increased by 3bp. With the historical spread being 168 there now exists - [Leadership Perspective](https://landconexa.com/leadership-perspective-11/) - Letting someone go is difficult. Letting them stay with no shared vision is worse.One of the harder lessons I’ve learned in leadership is that strong-arming your team into compliance might feel decisive in the moment, but often, it only causes more problems down the road.In the past, I tried the hard-line approach. Telling someone, “Do - [Leadership Perspective](https://landconexa.com/leadership-perspective-10/) - Will it take a baby being torn in two to end the government shutdown?For those unfamiliar: in this story from the Bible, King Solomon faces two mothers claiming the same child.Solomon’s famous solution: cut the baby in half so each mother gets an equal share. When the real mother backs away, willing to lose the - [Mortgage Rates increased 2bp this week to come in at 6.24% for the week ending 11.13.25](https://landconexa.com/mortgage-rates-increased-2bp-this-week-to-come-in-at-6-24-for-the-week-ending-11-13-25/) - For the week ending 11.13.25 Mortgage rates increased 2bp to 6.24%.This past week, for a $100,000 loan the monthly payment increased $1 to $615/mo For the week ending 11.13.25 mortgage rates increased 2bps, mean while the 10 Year Treasury rates wereunchanged for the second week in a row. Spread increased by 2bp. With the historical - [10 Year Treasury unchanged for the Single Week Ending 11.13.25 Unusual but NO change For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-unchanged-for-the-single-week-ending-11-13-25-unusual-but-no-change-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were unchanged. Net change in 2 weeks none. Holiday impacts the 14 day measurement period. Red line are current rates while green line is one week ago. For longer terms, virtually no changes. Same with 2 year and less. For terms 2+ years, the Yield Curve remains - [Leadership Perspective](https://landconexa.com/leadership-perspective-9/) - We once told a client their goal was impossible.This client had a specific return target, a certain dollar figure they were fixated on. On paper, the number made sense. But during due diligence, we discovered that it was unachievable under current conditions.Some firms would have pushed forward anyway, hoping for the best.We didn’t.We walked the - [10 Year Treasury UP 10bp for the Single Week Ending 10.30.25 UP 12bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-10bp-for-the-single-week-ending-10-30-25-up-12bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were up 10bp. Net change in 12 weeks decreased 13bp Red line are current rates while green line is one week ago. For longer terms, rates changes were up ~11bp while 2 year was 13bp. For terms 2+ years, the Yield Curve remains positive. 1 month is - [Mortgage Rates decreased 2bp this week to come in at 6.17% for the week ending 10.30.25](https://landconexa.com/mortgage-rates-decreased-2bp-this-week-to-come-in-at-6-17-for-the-week-ending-10-30-25/) - For the week ending 10.30.25 Mortgage rates decreased 2bp to 6.17%.This past week, for a $100,000 loan the monthly payment decreased $1 to $611/mo. For the week ending 10.30.25 mortgage rates decreased 2bps, mean while the 10 Year Treasury ratesincreased 10bp. Spread decreased by 12bp. With the historical spread being 168 there now exists a - [Leadership Perspective](https://landconexa.com/leadership-perspective-8/) - “Mortgage rates are tied to the Fed” is a myth, and it’s costing buyers real opportunities.I’ve noticed a persistent misunderstanding in the market, especially as headlines like the recent The Wall Street Journal article suggest rates are “finally falling.”What’s really happening? When the Fed cuts rates, they’re adjusting the federal funds rate - what banks - [Leadership Perspective](https://landconexa.com/leadership-perspective-7/) - Two times a translator is invaluable: when in a foreign country AND when negotiating a land deal.I've noticed that property owners can do everything right. They can hire the best environmental firms, complete the due diligence, and develop solid plans…but they still hit a wall when it comes to execution. We’re working with owners of - [Unemployment Filings---Govt Shut Down, No Update - Gas Prices, Mortgage Rates and Mortgage Monthly Payments](https://landconexa.com/unemployment-filings-govt-shut-down-no-update-gas-prices-mortgage-rates-and-mortgage-monthly-payments/) - Bill Knudson, Research Analyst LANDCO NEXA - [10 Year Treasury DOWN 15bp for the Single Week Ending 10.16.25 DOWN 11bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-15bp-for-the-single-week-ending-10-16-25-down-11bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were DOWN 15bp. Net change in 2 weeks decreased 11bp Red line are current rates while green line is one week ago. For longer terms, rates changes were down~15bp while 2 year was down 19bp. For terms 2+ years, the Yield Curve remains positive. 1 month is - [Mortgage Rates decreased 3bp this week to come in at 6.27% for the week ending 10.16.25](https://landconexa.com/mortgage-rates-decreased-3bp-this-week-to-come-in-at-6-27-for-the-week-ending-10-16-25/) - For the week ending 10.16.25 Mortgage rates decreased 3bp to 6.27%. This past week, for a $100,000 loan the monthly payment decreased $2 to $617/mo. For the week ending 10.16.25 mortgage rates decreased 3bps, mean while the 10 Year Treasury ratesdecreased 15bp. Spread increased by 12bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 4bp for the Single Week Ending 10.9.25 DOWN 4bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-4bp-for-the-single-week-ending-10-9-25-down-4bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 4bp. Net change in 2 weeks decreased 4bp Red line are current rates while green line is one week ago. For longer terms, rates changes were down~8bp while 2 year was down 9bp. For terms 2+ years, the Yield Curve remains positive. 1 month is - [Leadership Perspective](https://landconexa.com/leadership-perspective-6/) - Real leadership isn't about the applause - it’s about showing up when nobody else wants the job.I’ve been thinking about what defines true leadership, and I always come back to historical figures like Winston Churchill.He had the odds stacked against him for years and faced impossible decisions during wartime, yet when the moment came for - [Leadership Perspective](https://landconexa.com/leadership-perspective-5/) - Most land deals fail because nobody can get on the same page.I've seen it happen countless times: a city wants development and landowners want fair value, but negotiations between the parties collapse because there are too many voices saying too many different things to too many different people.At LANDCO NEXA we're working with a municipality - [10 Year Treasury UP 7bp for the Single Week Ending 9.25.25 UP 17bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-7bp-for-the-single-week-ending-9-25-25-up-17bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 7bp. Net change in 2 weeks increased 17bp. Red line are current rates while green line is one week ago. For longer terms, rates changes were up ~7bp while 2 year was up 6bp. For terms 2+ years, the Yield Curve remains positive. The positive - [Mortgage Rates increased 4bp at 6.30% for the week ending 9.25.25](https://landconexa.com/mortgage-rates-increased-4bp-at-6-30-for-the-week-ending-9-25-25/) - For the week ending 9.25.25 Mortgage rates increased 4bp to 6.30%.This past week, for a $100,000 loan the monthly payment increased $3 to $619/mo. For the week ending 9.25.25 mortgage rates increased 4bps, mean while the 10 Year Treasury rates increased 7bp. Spread decreased by 3bp. With the historical spread being 168 there now exists - [Leadership Perspective](https://landconexa.com/leadership-perspective-4/) - At LANDCO NEXA, you’re not paid to panic.You’re paid to think.That’s something I say often to my team because it reflects the kind of culture we’re building here. We’re a learning company, and we’re not afraid of mistakes. What matters more is how you show up in the face of them.I always tell my team: - [Mortgage Rates decreased 9bp at 6.26% for the week ending 9.18.25](https://landconexa.com/mortgage-rates-decreased-9bp-at-6-26-for-the-week-ending-9-18-25/) - For the week ending 9.18.25 Mortgage rates decreased 9bp to 6.26%.This past week, for a $100,000 loan the monthly payment decreased $6 at $616/mo. For the week ending 9.18.25 mortgage rates decreased 9bps, mean while the 10 Year Treasury ratesincreased 10bp. Spread decreased by 19bp. With the historical spread being 168 there now exists a - [10 Year Treasury UP 10bp for the Single Week Ending 9.18.25 DOWN 6bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-10bp-for-the-single-week-ending-9-18-25-down-6bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 10bp. Net change in 2 weeks decreased 6bp Red line are current rates while green line is one week ago. For longer terms, rates changes were up ~8bp while 2 year was down 2bp. For terms 2+ years, the Yield Curve remains positive. The positive - [Leadership Perspective](https://landconexa.com/leadership-perspective-3/) - Some of the best hires don’t come from resumes, but from conversations.Traditional interviews will get you traditional candidates. But when I think about the people I’ve most enjoyed working with, very few came through a job board.Those who’ve worked the hardest, fit in with ease, and who gained my trust immediately have shown up through - [Leadership Perspective](https://landconexa.com/leadership-perspective-2/) - If you’re sitting on real estate but not managing it, you are missing out on what it’s really worth.I was recently speaking to a successful operator in the medical device space with dozens of specialized facilities, each with its own clean room, all owned outright.Years ago, they didn’t want to lease and risk losing access - [Leadership Perspective](https://landconexa.com/leadership-perspective/) - The housing industry is about to learn a hard lesson about mixed signals.I've been spending some time digesting the 900-page bill that's been making headlines (oft-referred to by an alliterative title), and I noticed something that should have every real estate professional paying attention. The housing provisions are sending contradictory messages that will reshape how - [Consumer Price Index (CPI) Actual and Projected](https://landconexa.com/consumer-price-index-cpi-actual-and-projected-2/) - Total CPI: BLS raw data table, far right column is ANNUAL CPI while all other columns are monthly data. Month of July 2025Data Release: 8.12.25 INFLATION: will likely remain the same over the next 3 months---not due to tariffs—rather the older monthly 0.2% data points from late 2024 fall out of the annual CPI calc - [Consumer Price Index (CPI) Actual and Projected](https://landconexa.com/consumer-price-index-cpi-actual-and-projected/) - Month of April 2025Data Release: 5.13.25 INFLATION: will likely rise over the next two months---not due to tariffs—rather the older monthly data points from 2024 fall out of the annual CPI calc in the future. It is a guess but if monthly CPI starts coming at 0.4+ in July 2025 then annual CPI will go - [10 Year Treasury UP 6bp for the Single Week Ending 8.14.25 Down 8bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-6bp-for-the-single-week-ending-8-14-25-down-8bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 6bp. Net change in 2 weeks decreased 8bp. Red line are current rates while green line is one week ago. For longer terms, rates changes were down 6bp while 1 month was down 1bp. For terms 2+ years, the Yield Curve remains positive. The positive - [Mortgage Rates decreased 5bp to 6.58% for the week ending 8.14.25](https://landconexa.com/mortgage-rates-decreased-5bp-to-6-58-for-the-week-ending-8-14-25/) - For the week ending 8.14.25 Mortgage rates decreased 5bp to 6.58%.This past week, for a $100,000 loan the monthly payment decreased $3 to $637/mo. For the week ending 8.14.25 mortgages decreased 5bp while the 10 Year Treasury rates increased 6bp.Spread increased by 5bp. With the historical spread being 168 there now exists a “safety cushion” - [10 Year Treasury DOWN 6bp for the Single Week Ending 7.31.25 Down 10bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-6bp-for-the-single-week-ending-7-31-25-down-10bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were DOWN 6bp. Net change in 2 weeks decreased 10bp. Red line are current rates while green line is one week ago. For longer terms, rates changes were down 6bp while 1 month was up 12bp . For terms 2+ years, the Yield Curve remains positive. The - [Mortgage Rates decreased 9bp to 6.63% for the week ending 8.7.25](https://landconexa.com/mortgage-rates-decreased-9bp-to-6-63-for-the-week-ending-8-7-25/) - For the week ending 8.7.25 Mortgage rates decreased 9bp to 6.63%.This past week, for a $100,000 loan the monthly payment decreased $6 to $641/mo. For the week ending 8.7.25 mortgages decreased 9bp while the 10 Year Treasury rates decreased 14bp.Spread increased by 5bp. With the historical spread being 168 there now exists a “safety cushion” - [10 Year Treasury Unchanged for the Single Week Ending 7.10.25 Up 6bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-unchanged-for-the-single-week-ending-7-10-25-up-6bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were Unchanged. Net change in 2 weeks increased 6bp. Red line are current rates while green line is one week ago. The Yield Curve remains positive.The positive sloped yield curve that had been occurring over the past few months is giving way to a negative slope in - [Mortgage Rates increased 5bp to 6.72% for the week ending 7.10.25](https://landconexa.com/mortgage-rates-increased-5bp-to-6-72-for-the-week-ending-7-10-25/) - For the week ending 7.10.25 Mortgage rates increased 5bp from 6.67% to 6.72%.This past week, for a $100,000 loan the monthly payment increased $3 at $647/mo. For the week ending 7.10.25 mortgages increased 5bp while the 10 Year Treasury rates were unchanged. Spread decreased to 5bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 9bp for the Single Week Ending 7.3.25 Down 3bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-9bp-for-the-single-week-ending-7-3-25-down-3bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 9bp. Net change in 2 weeks decreased 3bp Red line are current rates while green line is one week ago. 2 year term rates were up 18bp while in the prior week they were down 24bp, greater volatility than with the 10 year. The Yield - [Mortgage Rates decreased 10bp to 6.67% for the week ending 7.3.25](https://landconexa.com/mortgage-rates-decreased-10bp-to-6-67-for-the-week-ending-7-3-25/) - For the week ending 7.3.25 Mortgage rates decreased 10bp from 6.77% to 6.67%.This past week, for a $100,000 loan the monthly payment decreased $7 at $643/mo. For the week ending 7.3.25 mortgages decreased 10bp while the 10 Year Treasury rates increased 9bp.Spread decreased to 232bp. With the historical spread being 168 there now exists a - [For the past week, 10 Year Treasury rates were down 12bp. Net change in 2 weeks decreased 15bp.](https://landconexa.com/for-the-past-week-10-year-treasury-rates-were-down-12bp-net-change-in-2-weeks-decreased-15bp/) - For the past week, 10 Year Treasury rates were DOWN 12bp. Net change in 2 weeks decreased 15bp. Red line are current rates while green line is one week ago. For all terms, rates changes were very mild. For terms 2+ years, the Yield Curve remains positive. The positive sloped yield curve that had been - [Mortgage Rates decreased 4bp to 6.77% for the week ending 6.26.25](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-77-for-the-week-ending-6-26-25/) - For the week ending 6.26.25 Mortgage rates decreased 4bp from 6.81% to 6.77%. This past week, for a $100,000 loan the monthly payment decreased $3 at $650/mo. For the week ending 6.26.25 mortgages decreased 4bp while the 10 Year Treasury rates decreased 12bp.Spread increased to 251bp. With the historical spread being 168 there now exists - [10 Year Treasury UP 2bp for the Single Week Ending 6.19.25 Up 1bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-2bp-for-the-single-week-ending-6-19-25-up-1bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 2bp. Net change in 2 weeks increased 1bp. Red line are current rates while green line is one week ago. For all terms, rates changes were very mild. For terms 2+ years, the Yield Curve remains positive. The positive sloped yield curve that had been - [Mortgage Rates decreased 3bp to 6.81% for the week ending 6.19.25](https://landconexa.com/mortgage-rates-decreased-3bp-to-6-81-for-the-week-ending-6-19-25/) - For the week ending 6.19.25 Mortgage rates decreased 3bp from 6.84% to 6.81%.This past week, for a $100,000 loan the monthly payment decreased $2 at $653/mo For the week ending 6.19.25 mortgages decreased 3bp while the 10 Year Treasury rates increased 2bp.Spread decreased to 243bp. With the historical spread being 168 there now exists a - [10 Year Treasury DOWN 4bp for the Single Week Ending 6.12.25 Down 7bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-4bp-for-the-single-week-ending-6-12-25-down-7bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were DOWN 4bp. Net change in 2 weeks decreased 7bp. Red line are current rates while green line is one week ago. For all terms, rates changes were very mild. For terms 2+ years, the Yield Curve remains positive. The positive sloped yield curve that had been - [Mortgage Rates decreased 1bp to 6.84% for the week ending 6.12.25](https://landconexa.com/mortgage-rates-decreased-1bp-to-6-84-for-the-week-ending-6-12-25/) - For the week ending 6.12.25 Mortgage rates decreased 1bp from 6.85% to 6.84%.This past week, for a $100,000 loan the monthly payment decreased $1 at $655/mo. For the week ending 6.12.25 mortgages decreased 1bp while the 10 Year Treasury rates decreased 4bp.Spread decreased to 248bp. With the historical spread being 168 there now exists a - [10 Year Treasury down 3bp for the Single Week Ending 6.5.25 Down 18bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-3bp-for-the-single-week-ending-6-5-25-down-18bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were DOWN 3bp. Net change in 2 weeks decreased 18bp. Red line are current rates while green line is one week ago. For all terms, rates changes were very mild. For terms 2+ years, the Yield Curve remains positive. The positive sloped yield curve that had been - [Mortgage Rates decreased 4bp to 6.85% for the week ending 6.5.25](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-85-for-the-week-ending-6-5-25/) - For the week ending 6.5.25 Mortgage rates decreased 4bp from 6.89% to 6.85%.This past week, for a $100,000 loan the monthly payment decreased $3 at $655/mo. For the week ending 6.5.25 mortgages decreased 4bp while the 10 Year Treasury rates decreased 3bp.Spread decreased to 245bp. With the historical spread being 168 there now exists a - [10 Year Treasury Up 8bp for the Single Week Ending 5.15.25 Up 20bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-8bp-for-the-single-week-ending-5-15-25-up-20bp-for-the-prior-2-weeks/) - For the week ending 5.15.25 Mortgage rates increased 5bp from 6.76% to 6.81%.This past week, for a $100,000 loan the monthly payment increased $3 at $653/mo. For the week ending 5.15.25 mortgages increased 5bp while the 10 Year Treasury rates increased 8bp.Spread decreased to 236bp. With the historical spread being 168 there now exists a - [10 Year Treasury Up 9bp for the Single Week Ending 5.22.25 Up 17bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-up-9bp-for-the-single-week-ending-5-22-25-up-17bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were UP 9bp. Net change in 2 weeks increased 17bp. Red line are current rates while green line is one week ago. For all terms, rates increased this past week with longer term rising by more than shorter term rates. For terms 2+ years, the Yield Curve - [10 Year Treasury Down 15bp for the Single Week Ending 5.29.25 Down 10bp For the Prior 2 Weeks](https://landconexa.com/10-year-treasury-down-15bp-for-the-single-week-ending-5-29-25-down-10bp-for-the-prior-2-weeks/) - For the past week, 10 Year Treasury rates were DOWN 15bp. Net change in 2 weeks decreased 10bp. Red line are current rates while green line is one week ago. For all terms, rates increased this past week with longer term rising by more than shorter term rates. For terms 2+ years, the Yield Curve - [Mortgage Rates Increased 3bp to 6.89% for the week ending 5.29.25](https://landconexa.com/mortgage-rates-increased-3bp-to-6-89-for-the-week-ending-5-29-25/) - For the week ending 5.29.25 Mortgage rates increased 3bp from 6.86% to 6.89%.This past week, for a $100,000 loan the monthly payment increased $2 at $658/mo. For the week ending 5.29.25 mortgages increased 3bp while the 10 Year Treasury rates decreased 11bp.Spread decreased to 246bp. With the historical spread being 168 there now exists a - [Mortgage Rates Unchanged and Remained at 6.76% for the week ending 5.8.25](https://landconexa.com/mortgage-rates-unchanged-and-remained-at-6-76-for-the-week-ending-5-8-25/) - For the week ending 5.8.25 Mortgage rates no change, rate remained at 6.76%. This past week, for a $100,000 loan the monthly payment remained at $649/mo. For the week ending 5.8.25 mortgages made no change while the 10 Year Treasury rates decreased 12bp. Spread decreased to 239bp. With the historical spread being 168 there now - [Mortgage Rates Decreased 5bp to 6.76% for the week ending 5.1.25](https://landconexa.com/mortgage-rates-decreased-5bp-to-6-76-for-the-week-ending-5-1-25/) - For the week ending 5.1.25 Mortgage rates DECREASED 5bp to 6.76%. This past week, for a $100,000 loan the monthly payment decreased from $653/mo to $649/mo or $0.11 a day. For the week ending 5.1.25 mortgages decreased 5bp while the 10 Year Treasury rates decreased 7bp. Spread increased to 251bp. With the historical spread being - [10 Year Treasury Down 2bp for the Single Week Ending 4.24.25.](https://landconexa.com/10-year-treasury-down-2bp-for-the-single-week-ending-4-24-25/) - For the past week, 10 Year Treasury rates were Down 2bp. Net change in 2 weeks decreased 2bp. The red line represents current rates, while the green line shows rates from one week ago. Longer-term rates have decreased over the past week. For terms of 2 years or more, the Yield Curve remains positive. The - [Mortgage Rates Decreased 2bp to 6.81% for the Week Ending 4.24.25](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-81-for-the-week-ending-4-24-25/) - For the week ending April 24, 2025, mortgage rates decreased 2bp to 6.81%. This past week, for a $100,000 loan, the monthly payment decreased from $654/mo to $653/mo, or about $0.04 per day. For the week ending April 24, 2025, mortgage rates decreased 2bp while the 10-Year Treasury rate also decreased 2bp. The spread remained - [10-Year Treasury Down 6bp for the Single Week Ending 4.17.25](https://landconexa.com/10-year-treasury-down-6bp-for-the-single-week-ending-4-17-25/) - For the week ending April 17, 2025, 10-Year Treasury rates were down 6bp. The net change over the past two weeks shows an overall increase of 28bp. The red line represents current rates, while the green line shows rates from one week ago.Longer-term rates decreased this past week. For terms of 2+ years, the yield - [Mortgage Rates Increased 21bp to 6.83% for the Week Ending 4.17.25](https://landconexa.com/mortgage-rates-increased-21bp-to-6-83-for-the-week-ending-4-17-25/) - For the week ending April 17, 2025, mortgage rates increased 21bp to 6.83%.This past week, for a $100,000 loan, the monthly payment rose from $640 to $654—or about $0.46 per day. For the same week, mortgage rates rose 21bp while the 10-Year Treasury rate decreased by 6bp.This caused the spread to narrow by 27bp to - [Mortgage Rates Decreased 2bp to 6.62% for the Week Ending 4/10/25](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-62-for-the-week-ending-4-10-25/) - For the week ending April 10, 2025, mortgage rates decreased 2bp to 6.62%.This past week, the monthly payment on a $100,000 loan dropped from $641 to $640—about $0.04 per day. For the same week, mortgage rates fell 2bp while the 10-Year Treasury rate increased 34bp.As a result, the spread decreased by 36bp to 222bp. With - [10-Year Treasury Down 32bp for the Week Ending 4/3/25](https://landconexa.com/10-year-treasury-down-32bp-for-the-week-ending-4-3-25/) - For the past week, 10-Year Treasury rates fell 32bp. Over the past two weeks, the net change reflects a total decrease of 18bp. The red line represents current rates, while the green line shows rates from one week ago. Longer-term rates moved higher this past week. For terms of 2 years and beyond, the yield - [Mortgage Rates Decreased 1bp to 6.64% for the Week Ending 4/3/25](https://landconexa.com/mortgage-rates-decreased-1bp-to-6-64-for-the-week-ending-4-3-25/) - For the week ending April 3, 2025, mortgage rates decreased 1bp to 6.64%.This past week, the monthly payment on a $100,000 loan dropped from $642 to $641—about a $0.02 decrease per day. For the same week, mortgage rates fell 1bp while the 10-Year Treasury rate dropped 32bp.As a result, the spread increased by 31bp to - [10-Year Treasury Up 14bp for the Week Ending 3/27/25](https://landconexa.com/10-year-treasury-up-14bp-for-the-week-ending-3-27-25/) - For the past week, 10-Year Treasury rates were up 14bp. The net change over the past two weeks reflects an overall increase of 11bp. The red line represents current rates, while the green line shows rates from one week ago. Longer-term rates moved higher this past week. For terms of 2 years and beyond, the - [Mortgage Rates Decreased 2bp to 6.65% for the Week Ending 3/27/25](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-65-for-the-week-ending-3-27-25/) - For the week ending March 27, 2025, mortgage rates decreased by 2bp to 6.65%. This past week, the monthly payment on a $100,000 loan dropped from $643 to $642, a decrease of approximately $0.04 per day. While mortgage rates fell by 2bp, the 10-Year Treasury rate rose by 14bp. As a result, the spread between - [10-Year Treasury Down 3bp for the Week Ending 3/20/25](https://landconexa.com/10-year-treasury-down-3bp-for-the-week-ending-3-20-25/) - For the past week, 10-Year Treasury rates decreased by 3bp, bringing the net change over the past two weeks to a 5bp decline. The red line represents current rates, while the green line shows rates from one week ago, indicating very little change. For terms of 2+ years, the yield curve remains positive. As the - [Mortgage Rates Increase 2bp to 6.67% for the Week Ending 3/20/25](https://landconexa.com/mortgage-rates-increase-2bp-to-6-67-for-the-week-ending-3-20-25/) - For the week ending March 20, 2025, mortgage rates increased 2 basis points (bp) to 6.67%. This past week, the monthly payment on a $100,000 loan rose from $642/month to $643/month, an increase of approximately $0.04 per day. For the week ending March 20, 2025, mortgage rates increased 2bp, while the 10-Year Treasury rate declined - [Mortgage Rates Increased 2bp to 6.65% for the Week Ending 3.13.25](https://landconexa.com/mortgage-rates-increased-2bp-to-6-65-for-the-week-ending-3-13-25/) - For the week ending 3.13.25, mortgage rates increased by 2bp to 6.65%. This past week, for a $100,000 loan, the monthly payment increased from $641 to $642, or $0.04. Mortgage rates increased by 2bp, while the 10-year Treasury rates remained unchanged. The spread increased by 4bp to 238bp, with the historical spread being 168bp. This - [10-Year Treasury Unchanged for the Single Week Ending 3.6.25](https://landconexa.com/10-year-treasury-unchanged-for-the-single-week-ending-3-6-25/) - For the past week, 10-year Treasury rates remained unchanged. Over the last two weeks, the net change has decreased by 21bp. The red line in the attached chart represents current rates, while the green line shows rates from one week ago. Longer-term rates have increased. For terms of 1+ years, the Yield Curve is positive. - [Mortgage Rates Decreased 9bp to 6.76% for the Week Ending 2.27.25](https://landconexa.com/mortgage-rates-decreased-9bp-to-6-76-for-the-week-ending-2-27-25/) - For the week ending 2.27.25, mortgage rates decreased by 9bp to 6.76%. This past week, for a $100,000 loan, the monthly payment decreased from $655 to $649, a reduction of $6. Mortgage rates decreased by 9bp, while the 10-year Treasury rates decreased by 21bp. The spread increased by 12bp to 247bp, with the historical spread - [Mortgage Rates Decrease 13bp to 6.63% for the Week Ending 3/6/25](https://landconexa.com/mortgage-rates-decrease-13bp-to-6-63-for-the-week-ending-3-6-25/) - For the week ending March 6, 2025, mortgage rates decreased 13 basis points (bp) to 6.63%. This past week, the monthly payment on a $100,000 loan declined from $649/month to $641/month, a $8/month decrease. While mortgage rates fell 13bp, the 10-Year Treasury rate remained unchanged. As a result, the spread between mortgage rates and the - [10-Year Treasury Down 2bp for the Week Ending 2/20/25](https://landconexa.com/10-year-treasury-down-2bp-for-the-week-ending-2-20-25/) - Over the past week, 10-Year Treasury rates decreased by 2 basis points. However, the net change over the past two weeks shows an increase of 7 basis points. For terms of one year or more, the yield curve remains positive. As the Federal Reserve lowers the Fed Funds rate, short-term rates will decrease, leading to - [Mortgage Rates Drop 2bps to 6.85% for the Week Ending 2/20/2025](https://landconexa.com/mortgage-rates-drop-2bps-to-6-85-for-the-week-ending-2-20-25/) - For the week ending February 20, 2025, mortgage rates decreased by 2bps to 6.85%. This past week, the monthly payment on a $100,000 loan dropped from $657 to $655, reducing costs by approximately $0.04 per day. Both mortgage rates and 10-Year Treasury rates decreased by 2bps, leaving the spread unchanged at 235bps. With the historical - [China’s Economy and the Housing Market Crisis](https://landconexa.com/chinas-economy-and-the-housing-market-crisis/) - GDP represents the total income of a country in one year. The U.S. has the largest GDP, followed by China, with Germany, Japan, India, and the UK trailing at a distant position. A country’s GDP is closely linked to its population. While China has a large GDP, it took 1.2 billion people to achieve it. - [Mortgage Rates Decrease 2bp to 6.87% for the Week Ending 2/13/25](https://landconexa.com/mortgage-rates-decrease-2bp-to-6-87-for-the-week-ending-2-13-25/) - For the week ending February 13, 2025, mortgage rates decreased 2 basis points (bp) to 6.87%. This past week, for a $100,000 loan, the monthly payment decreased from $658/month to $657/month, which is a $0.04 per day reduction. While mortgage rates decreased 2bp, 10-Year Treasury rates increased by 7bp, leading to a 9bp decrease in - [10-Year Treasury Down 7bps for the Single Week Ending 2/6/25](https://landconexa.com/10-year-treasury-down-7bps-for-the-single-week-ending-2-6-25/) - Over the past week, 10-Year Treasury rates declined by 7bps, bringing the net change over the last two weeks to a decrease of 20bps. The red line represents current rates, while the green line reflects rates from one week ago. Longer-term rates have also moved lower. For terms of 1 year or more, the yield - [Mortgage Rates Decreased 6bps to 6.89% for the Week Ending 2/6/25](https://landconexa.com/mortgage-rates-decreased-6bps-to-6-89-for-the-week-ending-2-6-25/) - For the week ending 2/6/25, mortgage rates decreased by 6bps to 6.89%. Over the past week, the monthly payment on a $100,000 loan declined from $662 to $658, a reduction of approximately $0.13 per day. For the same period, mortgage rates fell by 6bps, while 10-Year Treasury rates dropped by 7bps. The spread between the - [10-Year Treasury Down 13bps in a Single Week Ending 1/30/25](https://landconexa.com/10-year-treasury-down-13bps-in-a-single-week-ending-1-30-25/) - Over the past week, 10-Year Treasury rates fell by 13bps, bringing the net change over the last two weeks to a decline of 14bps. The red line represents current rates, while the green line reflects rates from one week ago. Short-term rates remain unchanged, while long-term rates have moved higher. For terms of 1 year - [Mortgage Rates Decrease 1bp to 6.95% for the Week Ending 1/30/25](https://landconexa.com/mortgage-rates-decrease-1bp-to-6-95-for-the-week-ending-1-30-25/) - For the week ending 1.30.25, mortgage rates decreased by 1bp to 6.95%. This past week, for a $100,000 loan, the monthly payment decreased from $663/month to $662/month, or a reduction of $0.02 per day. While mortgage rates decreased by 1bp, the 10-year Treasury rates decreased by 13bp. As a result, the spread increased by 12bp - [Mortgage Rates Decreased 8bp to 6.96% for the Week Ending 1/23/25](https://landconexa.com/mortgage-rates-decreased-8bp-to-6-96-for-the-week-ending-1-23-25/) - For the week ending 1/23/25, mortgage rates decreased 8bp to 6.96%. This past week, for a $100,000 loan, the monthly payment decreased from $668 to $663, a reduction of $0.18 per day. For the week ending 1/23/25, mortgage rates decreased by 8bp, while the 10-Year Treasury rates increased by 4bp. The spread decreased by 12bp - [10-Year Treasury Up 4bp for the Week Ending 1/23/25](https://landconexa.com/10-year-treasury-up-4bp-for-the-week-ending-1-23-25/) - For the past week, 10-Year Treasury rates increased 4bp. The net change over the past two weeks is a decrease of 2bp. The red line represents current rates, while the green line reflects rates from one week ago. Short-term rates remained unchanged, while long-term rates increased. For terms of 1+ years, the yield curve remains - [10-Year Treasury Down 7bp for the Week Ending 1/26/25](https://landconexa.com/10-year-treasury-down-7bp-for-the-week-ending-1-26-25/) - For the past week, 10-Year Treasury rates decreased 7bp. The net change over the past two weeks is an increase of 4bp. The red line represents current rates, while the green line reflects rates from one week ago. Short-term rates remained unchanged, while long-term rates increased. For terms of 1+ years, the yield curve remains - [Mortgage Rates Increased 11bp to 7.04% for the Week Ending 1/16/25](https://landconexa.com/mortgage-rates-increased-11bp-to-7-04-for-the-week-ending-1-16-25/) - For the week ending 1/16/25, mortgage rates increased 11bp to 7.04%. This past week, for a $100,000 loan, the monthly payment rose from $661/mo to $668/mo, an increase of $0.25 per day. For the week ending 1/16/25, mortgage rates increased 11bp, while the 10-Year Treasury rate decreased 7bp. The spread widened by 18bp to 243bp. - [Mortgage Rates Increased 2bp to 6.93% for the Week Ending 1/9/25](https://landconexa.com/mortgage-rates-increased-2bp-to-6-93-for-the-week-ending-1-9-25-2/) - For the week ending 1/9/25, mortgage rates increased by 2bp, reaching 6.93%. This past week, the monthly payment for a $100,000 loan rose from $659 to $661, an increase of $0.04 per day. During the same period, 10-Year Treasury rates increased by 11bp, while mortgage spreads decreased by 9bp to 225bp. With the historical spread - [10-Year Treasury Up 11bp for the Single Week Ending 1/9/25](https://landconexa.com/10-year-treasury-up-11bp-for-the-single-week-ending-1-9-25/) - For the week ending 1/9/25, 10-Year Treasury rates increased by 11bp, bringing the net change over the past two weeks to a rise of 9bp. On the accompanying chart, the red line represents current rates, while the green line shows rates from one week ago. Short-term rates remained unchanged, while long-term rates saw an increase. - [Mortgage Rates Increased 2bp to 6.93% for the Week Ending 1/9/25](https://landconexa.com/mortgage-rates-increased-2bp-to-6-93-for-the-week-ending-1-9-25/) - For the week ending 1/9/25, mortgage rates increased by 2bp, reaching 6.93%. This past week, the monthly payment for a $100,000 loan rose from $659 to $661, an increase of $0.04 per day. During the same period, 10-Year Treasury rates increased by 11bp, while mortgage spreads decreased by 9bp to 225bp. With the historical spread - [10-Year Treasury Down 1bp for the Week Ending 1/2/25](https://landconexa.com/10-year-treasury-down-1bp-for-the-week-ending-1-2-25/) - Over the past week, 10-Year Treasury rates decreased by 1bp. However, the net change over the past two weeks shows an increase of 17bp. The red line in the chart represents current rates, while the green line indicates rates from one week ago. During this period, short-term rates decreased, while long-term rates increased. For terms - [Mortgage Rates Increased 13bp to 6.85% for the Week Ending 12/26/24](https://landconexa.com/mortgage-rates-increased-13bp-to-6-85-for-the-week-ending-12-26-24/) - For the Week Ending 12/26/24: Mortgage Rates Increased 13bp to 6.85% Mortgage rates increased by 13bp to 6.85% for the week ending 12/26/24, edging closer to the 7.00% range. For a $100,000 loan, the monthly payment rose from $647 to $655, an increase of $0.29 per day. During this period, mortgage rates rose by 13bp, - [Mortgage Rates Increase 6bp to 6.91% for the Week Ending 01/02/2025](https://landconexa.com/mortgage-rates-increase-6bp-to-6-91-for-the-week-ending-01-02-2025/) - For the week ending 1/2/25, mortgage rates increased by 6 basis points to 6.91%. This change translates to a monthly payment increase for a $100,000 loan, rising from $655 to $659, or approximately $0.19 per day. During the same period, mortgage rates rose 6bp, while the 10-Year Treasury rates decreased by 1bp. This resulted in - [10-Year Treasury Up 1bp for the Week Ending 12/26/24](https://landconexa.com/10-year-treasury-up-1bp-for-the-week-ending-12-26-24/) - Over the past week, 10-Year Treasury rates increased by 1bp, bringing the net change over the last two weeks to an increase of 32bp. The red line represents current rates, while the green line reflects rates from one week ago. While short-term rates have decreased, long-term rates have risen. For maturities of 1 year and - [Mortgage Rates Rise 12bp to 6.72% for Week Ending 12/19/24](https://landconexa.com/mortgage-rates-rise-12bp-to-6-72-for-week-ending-12-19-24/) - For the week ending 12/12/24, 10-Year U.S. Treasury rates increased by 15bp. In the following week ending 12/19/24, mortgage rates rose by 12bp to 6.72%. Typically, Treasury rate changes occur first, followed by adjustments in mortgage rates. This past week, Treasury rates climbed by an additional 25bp, signaling that mortgage rates are likely headed toward - [10-Year Treasury Up 25bp for the Week Ending 12/19/24, 40bp Over the Past Two Weeks](https://landconexa.com/10-year-treasury-up-25bp-for-the-week-ending-12-19-24-40bp-over-the-past-two-weeks/) - For the past week, 10-Year Treasury rates increased by 25bp, resulting in a net change of 40bp over the past two weeks. Repeat: UP 40BP IN 2 WEEKS. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates have decreased, while long-term rates have increased. For terms - [November 2024 Inflation Analysis: Key Trends and Projections](https://landconexa.com/november-2024-inflation-analysis-key-trends-and-projections/) - INFLATION:November 2024’s monthly Consumer Price Index (CPI) increased by 0.3%, replacing November 2023’s monthly CPI of 0.2%. This change caused the annual CPI to rise from 2.6% to 2.7%. Looking ahead to December 2024, the December 2023 monthly CPI of 0.2% will roll off. If the December 2024 monthly CPI comes in at 0.2%, the - [10-Year Treasury Down 8bp for the Week Ending 12/5/24](https://landconexa.com/10-year-treasury-down-8bp-for-the-week-ending-12-5-24/) - For the past week, 10-Year Treasury rates decreased by 8bp, with a net change of 24bp down over the past two weeks. The red line represents current rates, while the green line shows rates from one week ago. All terms have declined. For terms of 5+ years, the yield curve is now displaying a positive - [10-Year Treasury Up 15bp for the Week Ending 12/12/24](https://landconexa.com/10-year-treasury-up-15bp-for-the-week-ending-12-12-24/) - For the past week, 10-Year Treasury rates increased by 15bp. The net change over the past two weeks is up 7bp. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates decreased, while long-term rates increased. For terms of 1+ years, the Yield Curve is now showing - [Mortgage Rates Decreased 9bp to 6.60% for the Week Ending 12/12/24](https://landconexa.com/mortgage-rates-decreased-9bp-to-6-60-for-the-week-ending-12-12-24/) - For the week ending 12/12/24, mortgage rates decreased by 9bp to 6.60%. For a $100,000 loan, the monthly payment decreased to $639/month or $0.20/day. Mortgage rates decreased by 9bp, while the 10-Year Treasury rates increased by 15bp for the week ending 12/12/24. As a result, the spread narrowed by 24bp to 228bp. With the historical - [Mortgage Rates Decreased 3 bp to 6.81% for the Week Ending 11/28/24](https://landconexa.com/mortgage-rates-decreased-3-bp-to-6-81-for-the-week-ending-11-28-24/) - For the week ending 11/28/24, mortgage rates decreased by 3 bp to 6.81%. For a $100,000 loan, the monthly payment fell to $653, equivalent to a reduction of $0.07 per day. Mortgage rates decreased by 3 bp, while 10-Year Treasury rates dropped by 18 bp for the week ending 11/28/24. The spread widened by 15 - [10-Year Treasury Fell 18 bp for the Week Ending 11/28/24](https://landconexa.com/10-year-treasury-fell-18-bp-for-the-week-ending-11-28-24/) - For the past week, 10-Year Treasury rates decreased by 18 bp, resulting in a net change of 19 bp down over the past two weeks. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates remain unchanged, while longer-term rates have decreased. For terms exceeding five years, - [10-Year Treasury Unchanged for the Week Ending 11/21/24](https://landconexa.com/10-year-treasury-unchanged-for-the-week-ending-11-21-24/) - For the past week, 10-Year Treasury rates remained unchanged. The net change over the past two weeks is an increase of 1 bp. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates have decreased, while longer-term rates have risen. For terms of 5+ years, the yield - [10-Year Treasury Was Up 12bp for the Week Ending 11/14/24](https://landconexa.com/10-year-treasury-was-up-12bp-for-the-week-ending-11-14-24/) - For the past week, 10-Year Treasury rates increased by 12 bp, bringing the net change over two weeks to an increase of 14 bp. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates have decreased, while longer-term rates have risen. For terms of 5+ years, the - [Mortgage Rates Decreased 1bp to 6.78% for the Week Ending 11/14/24](https://landconexa.com/mortgage-rates-decreased-1bp-to-6-78-for-the-week-ending-11-14-24/) - For the week ending 11/14/24, mortgage rates decreased by 1 bp to 6.78%. For a $100,000 loan, the monthly payment increased to $650 per month, equivalent to an increase of $0.02 per day. Mortgage rates decreased by 1 bp, while 10-Year Treasury rates rose by 12 bp for the week ending 11/14/24. The spread decreased - [Mortgage Rates Rise 7bp to 6.79% for Week Ending 11/7/24](https://landconexa.com/mortgage-rates-rise-7bp-to-6-79-for-week-ending-11-7-24/) - For the week ending 11/7/24, mortgage rates increased by 7 bp to 6.79%. For a $100,000 loan, the monthly payment rose to $651 per month, equivalent to an increase of $0.16 per day. Mortgage rates increased by 7 bp, while 10-Year Treasury rates rose by 3 bp for the week ending 11/7/24. The spread widened - [10-Year Treasury Up 7bp for Week Ending 10/31/24](https://landconexa.com/10-year-treasury-up-7bp-for-week-ending-10-31-24/) - Over the past week, 10-Year Treasury rates increased by 7 bp, bringing the net change over the past two weeks to 19 bp. The red line represents the most current rates, while the green line shows rates from one week ago. Short-term rates have decreased, while longer-term rates have risen. For terms of 5+ years, - [Mortgage Rates Rise 12bp to 6.44% for Week Ending 10/17/24](https://landconexa.com/mortgage-rates-rise-12bp-to-6-44-for-week-ending-10-17-24/) - For the week ending 10/17/24, mortgage rates increased by 12 bp to 6.44%. For a $100,000 loan, the monthly payment rose to $628 per month, equivalent to an increase of $0.26 per day. Mortgage rates increased by 12 bp, while the 10-Year Treasury remained unchanged for the week ending 10/17/24. The spread widened by 12 - [10-Year Treasury: No Change for the Week Ending 10/17/24, Up 30bp Over the Previous Two Weeks](https://landconexa.com/10-year-treasury-no-change-for-the-week-ending-10-17-24-up-30bp-over-the-previous-two-weeks/) - Over the past week, 10-year Treasury rates remained unchanged. However, the net change over the past two weeks is an increase of 30 bp. The red line represents the most current rates, while the green line shows rates from one week ago. There has been virtually no change over the week. For terms of 5+ - [Mortgage Rates Increased 6bp to 6.84% for the Week Ending 11/21/24](https://landconexa.com/mortgage-rates-increased-6bp-to-6-84-for-the-week-ending-11-21-24/) - For the week ending 11/21/24, mortgage rates increased by 6 bp to 6.84%. For a $100,000 loan, the monthly payment rose to $650 per month, equivalent to an increase of $0.13 per day. Mortgage rates increased by 6 bp, while 10-Year Treasury rates remained unchanged for the week ending 11/21/24. The spread increased by 6 - [10-Year Treasury Up 3bp for the Week Ending 11/07/24](https://landconexa.com/10-year-treasury-up-3bp-for-the-week-ending-11-07-24/) - Over the past week, 10-Year Treasury rates increased by 3 bp, bringing the net change over the past two weeks to 10 bp. The red line represents current rates, while the green line shows rates from one week ago. Short-term rates are down, and longer-term rates have increased slightly. For terms of 5+ years, the - [Mortgage Rates Rise 18bp to 6.72% for Week Ending 10/31/24](https://landconexa.com/mortgage-rates-rise-18bp-to-6-72-for-week-ending-10-31-24/) - For the week ending 10/31/24, mortgage rates increased by 18 bp to 6.72%. For a $100,000 loan, the monthly payment rose to $647 per month, equivalent to an increase of $0.40 per day. Mortgage rates increased by 18 bp, while 10-Year Treasury rates rose by 7 bp for the week ending 10/31/24. The spread widened - [Mortgage Rates Rise 10bp to 6.54% for Week Ending 10/24/24](https://landconexa.com/mortgage-rates-rise-10bp-to-6-54-for-week-ending-10-24-24/) - For the week ending 10/24/24, mortgage rates increased by 10 bp to 6.54%. For a $100,000 loan, the monthly payment rose to $635 per month, equivalent to an increase of $0.22 per day. Mortgage rates increased by 10 bp, while 10-Year Treasury rates rose by 12 bp for the week ending 10/24/24. The spread narrowed - [10-Year Treasury Up 12bp for Week Ending 10/24/24](https://landconexa.com/10-year-treasury-up-12bp-for-week-ending-10-24-24/) - Over the past week, 10-Year Treasury rates increased by 12 bp, bringing the net change over the past two weeks to 15 bp. The red line represents the most current rates, while the green line shows rates from one week ago. Short-term rates have declined, while longer-term rates have risen. For terms of 5+ years, - [10 Year Treasury were Up 24bp for the Single Week Ending 10/10/24](https://landconexa.com/https-landcorealestate-com-10-year-treasury-were-up-24bp-for-the-single-week-ending-10-10-24/) - Over the past week, 10-Year Treasury rates were up 24 basis points, with a net change of 30 basis points over two weeks. The red line represents the most current rates, while the green line shows rates from one week ago. Longer-term rates have risen due to a stronger-than-expected monthly jobs report on October 4. - [Mortgage Rates Increased 4bp to 6.12% for the Week Ending 10/03/2024](https://landconexa.com/https-landcorealestate-com-mortgage-rates-increased-4bp-to-6-12-for-the-week-ending-10-03-2024/) - For the week ending 10/03/2024, mortgage rates increased 4bp to 6.12% The monthly payment for a $100,000 loan decreased to $607/mo or $0.09/day. Mortgage rates increased, while the 10-year treasury rates increased 6bp for the week ending 10/03/2024. The spread decreased 2bp to 227bp. With the historical spread being 168bp, a ‘safety cushion’ of 59bp - [Mortgage Rates Decreased 1bp to 6.08% for the Week Ending 9/26/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-1bp-to-6-08-for-the-week-ending-9-26-24/) - For the week ending 09/26/2024, mortgage rates decreased 1bp to 6.08%. The monthly payment for a $100,000 loan decreased to $605/mo or $0.02/day. Mortgage rates decreased, while the 10-year treasury rates increased 6bp for the week ending 09/26/2024. The spread decreased 7bp to 229bp. With the historical spread being 168bp, a ‘safety cushion’ of 61bp - [US 10 Year Treasury were Down 5bp for the Single Week Ending 9/12/24](https://landconexa.com/us-10-year-treasury-were-down-5bp-for-the-single-week-ending-9-12-24/) - Over the past week, 10-Year Treasury rates were down 5bp, with a net change of 15bp over two weeks. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [Mortgage Rates Decreased 15bp to 6.20% for the Week Ending 9/12/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-15bp-to-6-20-for-the-week-ending-9-12-24/) - For the week ending 09/12/2024, mortgage rates decreased 15bp to 6.20%. For a $100,000 loan, the monthly payment remained at $612/mo or $0.33/day. Mortgage rates decreased, while the 10-year treasury rates decreased 5bp for the week ending 09/12/2024. The spread decreased 10bp to 252bp. With the historical spread being 168bp, there now exists a ‘safety - [Mortgage Rates Remained at 6.35% for the Week Ending 9/05/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-remained-at-6-35-for-the-week-ending-9-05-24/) - For the week ending 09/05/2024, the mortgage rate remained unchanged at 6.35%. For a $100,000 loan, the monthly payment stayed at $622 per month, or $0.24 per day. Mortgage rates remained unchanged, while the 10-year Treasury rates decreased by 14 bp for the week ending 09/05/2024. The spread also decreased by 14 bp to 262 - [Mortgage Rates Decreased 11bp to 6.35% for the Week Ending 8/29/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-11bp-to-6-35-for-the-week-ending-8-29-24/) - For the week ending 08/29/2024, mortgage rates decreased 11bp to 6.35%. For a $100,000 loan, the monthly payment decreased $7.00 to $622/mo or $0.24/day. Mortgage rates decreased 11bp, while the 10-year treasury rates increased 1bp for the week ending 08/29/2024. The spread decreased 12bp to 248bp. With the historical spread being 168bp, there now exists - [US 10-Year Treasury Yield Up 1bp for the Week Ending 8/29/24](https://landconexa.com/https-landcorealestate-com-us-10-year-treasury-yield-up-1bp-for-the-week-ending-8-29-24/) - For the past week, 10-Year Treasury rates were up 1bp. The net change over 2 weeks is down 5bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10-Year Treasury Yield Down 6bp for the Week Ending 8/22/24](https://landconexa.com/https-landcorealestate-com-us-10-year-treasury-yield-down-6bp-for-the-week-ending-8-22-24/) - For the past week, 10-Year Treasury rates were down 6bp. The net change over 2 weeks is down 13bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [Mortgage Rates Decreased 3bp to 6.46% for the Week Ending 8/22/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-3bp-to-6-46-for-the-week-ending-8-22-24/) - For the week ending 08/22/2024, mortgage rates decreased 3bp to 6.46%. For a $100,000 loan, the monthly payment increased $2.00 to $629/mo or $0.07/day. Mortgage rates decreased 3bp, while the 10-Year Treasury rates decreased 6bp for the week ending 08/22/2024. The Spread increased 3bp to 260bp. With the historical spread being 168bp, there now exists - [Mortgage Rates Increased 2bp to 6.49% for the Week Ending 8/15/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-increased-2bp-to-6-49-for-the-week-ending-8-15-24/) - For the week ending 08/15/2024, mortgage rates increased 2bp to 6.49%. For a $100,000 loan, the monthly payment increased $1.00 to $631/mo or $0.04/day. Mortgage rates increased 2bp, while the 10-Year Treasury rates decreased 7bp for the week ending 08/15/2024. The Spread increased 9bp to 257bp. With the historical spread being 168bp, there now exists - [US 10 Year Treasury were Unchanged for the Single Week Ending 8/08/24](https://landconexa.com/https-landcorealestate-com-us-10-year-treasury-were-unchanged-for-the-single-week-ending-8-08-24/) - or the past week, 10-Year Treasury rates were unchanged. The net change over 2 weeks is down 28bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is less steep. For - [Mortgage Rates Decreased 26bp to 6.47% for the Week Ending 8/08/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-26bp-to-6-47-for-the-week-ending-8-08-24/) - For the week ending 08/08/2024, mortgage rates decreased 26bp to 6.47%. For a $100,000 loan, the monthly payment decreased $17.00 to $647/mo or $0.57/day. Mortgage rates decreased 26bp, while the 10-Year Treasury rates did not change for the week ending 08/08/2024. The Spread decreased 26bp to 248bp. With the historical spread being 168bp, there now - [US 10 Year Treasury were Down 28bp for the Single Week Ending 08/01/24](https://landconexa.com/https-landcorealestate-com-us-10-year-treasury-were-down-28bp-for-the-single-week-ending-08-01-24/) - For the past week, 10-Year Treasury rates were down 28bp. The net change over 2 weeks is down 21bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [Mortgage Rates Decreased 5bp to 6.73% for the Week Ending 08/01/24](https://landconexa.com/https-landcorealestate-com-mortgage-rates-decreased-5bp-to-6-73-for-the-week-ending-08-01-2024/) - For the week ending 08/01/2024, mortgage rates decreased 5bp to 6.73%. For a $100,000 loan, the monthly payment decreased $3.00 to $647/mo or $0.11/day. Mortgage rates decreased 5bp, while the 10-Year Treasury rates decreased 28bp for the week ending 08/01/2024. The net difference resulted in a 23bp increased in the spread to 274bp. With the - [Inflation Actual vs Prediction for February](https://landconexa.com/inflation-actual-vs-prediction-for-february/) - Inflation: February 2024, as reported on 3/12/24. February 2024's monthly CPI was 0.4%, replacing February 2023's monthly 0.4%. Through rounding, this caused the annual rate to increase from 3.1% to 3.2%. Inflation Projection: Over the past 12 months, the monthly CPI has been 0.3%. If this trend continues, below is where inflation will be by - [Negative Appreciation Returns for All Property Types in NCREIF Commercial Real Estate Q2 Returns as of August 15, 2023](https://landconexa.com/negative-appreciation-returns-for-all-property-types-in-ncreif-commercial-real-estate-q2-returns-as-of-august-15-2023/) - For the past 4 quarters, all property types have incurred negative returns, with the office sector sustaining a total return of less than 14.5%. Office properties have experienced an appreciation return of 18.4% combined for the same period. This reflects changes in product demand and capitalization rate adjustments due to a higher interest rate environment. - [Retail Risk: A First Mortgage Doesn’t Mean What It Once Meant](https://landconexa.com/retail-risk-a-first-mortgage-doesnt-mean-what-it-once-meant/) - In this analysis, LANDCO Principal David Rosenbaum examines a question recently put forth by Marc Andreesen and the implications for LANDCO: What if e-commerce reduces in-store sales, even by just a little bit? And what happens if the loss of volume is not just temporary, but structural? - [The Knudson File: Mortgage Rates During the Pandemic, Spreads, the Federal Reserve and Inflation](https://landconexa.com/the-knudson-file-mortgage-rates-during-the-pandemic-spreads-the-fed-and-inflation/) - Covid-19 and Mortgage Rates At the start of 2020, mortgage rates were trending downward, and the COVID-19 pandemic has only helped to accelerate that trend. Mortgage rates are at their lowest in a generation. Mortgage Spread and US Treasuries While the 10-year Treasury note traded under 1% for much of 2020, The interest rate spread between - [The Knudson File: US Treasury Rates and Interest Rates on the Rise](https://landconexa.com/the-knudson-file-us-treasury-rates-and-interest-rates-on-the-rise/) - 10-year Treasuries started to increase in late 2020 and have continued to increase since then as the economy recovers from the COVID shock waves. Most recently, the 1-year rates have started to increase. 30-year home mortgage rates increases have outpaced 10-year Treasury rate increases. The spread is now 25bp ABOVE the historical spread. To get - [The Knudson File: Mortgage Rates -Week Ending February 11th 2022](https://landconexa.com/knudson-file-mortgage-rates-for-the-week-ending-february-11th-2022/) - Following the rise in U.S Treasuries last week, 30-Year Mortgage rates increased 14 basis points (0.14%) to 3.89% for the week ending 2.11.22. For a $100,000 loan the payment increase went from $463 to $471. This was BEFORE the Consumer Price Index announcement of 2.10.22. Mortgage rates are on an upward trajectory and at levels - [The Knudson File: Weekly Mortgage and Treasury Rates Product](https://landconexa.com/the-knudson-file-weekly-mortgage-and-treasury-rates-product/) - Mortgage rates increased 23 Basis Points this past week from 3.89% to 4.12%. While 4.00% is not a major price point, it will start catching the public's attention. For a $100,000 loan, the monthly payment increased by $13 to $484 which is equal to $0.48 a day. Rates were below 3.00% for 14 weeks and - [The Knudson File: Mortgage Rates for the Period Ending February 24th, 2022](https://landconexa.com/the-knudson-file-mortgage-rates-for-the-period-ending-february-24th-2022/) - Mortgage rates decreased a minor amount: 3 basis points this past week from 4.12% to 4.09%. While 4.00% is not a major price point, it will start catching the public's attention. For a $100,000 loan the monthly payment decreased by $1 to $481 which is equal to $0.04 a day. Rates were below 3.00% for - [CPI Spike in Energy Costs Related in Large Part to Russia/Ukraine](https://landconexa.com/the-knudson-file-cpi-spike-in-energy-costs-related-in-large-part-to-russia-ukraine/) - The Consumer Price Index (CPI) for March 2022 data was released on April 12th, 2022 and year-over-year levels came in at high's last seen in 1981. The main driver of the increase in March was due to soaring energy costs due in part to Russia's invasion of Ukraine which started on Feb 24th, 2022. The one - [Mortgage Rates up an Additional 28 bps to 5.20%](https://landconexa.com/the-knudson-file-mortgage-rates-up-an-additional-28-bps-to-5-20/) - MORTGAGE RATES ARE NOW OVER 5.00% and increased 28 basis points to 5.20%. 28 bps was nearly a 3-sigma event that being 30 bps (in 51 years a 1% event). For a $100,000, loan the monthly payment increased by $17 to $549 which is equal to $0.57 a day. Mortgage rates of 5.00% to 5.50% - [Do Interest Rates Really Matter? ](https://landconexa.com/the-knudson-file-do-interest-rates-really-matter/) - One month ago, mortgage rates were ~4.00% and income needed to qualify for a $100,000 loan was $20,500. Now, with rates at 5.31% $23,800 is needed. This is an increase of 15% which is a major impact on first time home buyers qualifying for a loan. Mortgages are up 11 basis points while 10-Year US - [NEW Home Sales and Prices for March 2022](https://landconexa.com/the-knudson-file-new-home-sales-and-prices-for-march-2022/) - When coronavirus first impacted the United States in March 2020, sales of NEW homes immediately stalled but quickly recovered as the Federal Reserve dropped the federal funds rate to between 0 – 0.25%. This caused other short-term and long-term rates to drop. Mortgage rates continued at record low rates in late 2020 and into 2021. - [Mortgage Rates Decreased to 5.33%](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-to-5-33/) - Mortgage rates decreased 15 basis points, while 10 Year US Treasuries decreased 9 bps, thus spread decreased by 6 bps to 258 bps or 90 bps ABOVE the 168 bps average. - [US 10 Year Treasury Rates Decreased 9 BPS](https://landconexa.com/the-knudson-file-us-10-year-treasury-rates-decreased-9-bps/) - Inflation improved in April, and as such the Yield Curve dropped particularly for longer-term rates this past week - [NEW Home Sales/Prices - April 2022](https://landconexa.com/the-knudson-file-new-home-sales-prices-april-2022/) - Nearly 4 years ago in November 2018 mortgage rates briefly went about 5.00% and sales of New Homes stalled, and the Months of Inventory soared. In April 2022 the same thing has occurred, but interest rates are not anticipated to decline any time soon. New Single-Family Homes With generational low mortgage rates due to COVID-19, - [Will Treasury Rate Increases Continue to Put Pressure on Mortgage Rates?](https://landconexa.com/the-knudson-file-will-treasury-rate-increases-continue-to-put-pressure-on-mortgage-rates/) - 10 Year US Treasury rates increased 17 basis points for the week ending June 2nd, 2022. This will put upward pressure on this coming week's mortgage rates. The short-term yield curve remains steep while the longer-term 5+ year yield remains FLAT. Lending Rates and Borrowing Costs As I mentioned in my latest article “The Knudson File: Mortgage - [Will the Long Yield Curve Be Impacted?](https://landconexa.com/the-knudson-file-will-the-long-yield-curve-be-impacted/) - Week ending June 9, 2022: 10 Year US Treasury rates increased 12 bps which will put upward pressure on this coming week's mortgage rates. The short-term yield curve remains steep while longer-term 5+ years is FLAT. Lending Rates and Borrowing Costs Daily changes in the US 10 Year Treasury rates are indicated by the blue bars - [Will the Consumer Price Index Exceed 9.0%?](https://landconexa.com/the-knudson-file-will-the-consumer-price-index-exceed-9-0/) - The Consumer Price Index (CPI) for May 2022 data was released today and the year-over-year increase from 8.3% to 8.6%. The main driver of the increase in March was due to soaring energy costs due to sanctions on Russia for their invasion of Ukraine starting on Feb 24. The one-month increase spiked 11% while the annual - [Mortgage Rates Decreased 3bp to 6.81% as of 11/23/22](https://landconexa.com/mortgage-rates-decreased-3bp-to-6-81-as-of-11-23-22/) - For the week ending 11.23.22 Mortgage rates DECREASED 3bp to 6.81%. For a $100,000 loan the monthly payment DECREASED $3 to $654/mo or $.07/day. Lending Rates and Borrowing Costs While mortgage rates DECREASED 3bp, 10 Year Treasury rates DECREASED 6bp. The net difference is a 3bp increase in a spread of 310bp. With the historical - [For the Week Ending 12/1/22 Mortgage Rates Decreased 9bp to 6.72%](https://landconexa.com/for-the-week-ending-12-1-22-mortgage-rates-decreased-9bp-to-6-72/) - For a $100,000 loan the monthly payment DECREASED $6 to $646/mo or $.20/day. Lending Rates and Borrowing Cost While mortgage rates DECREASED 9bp, 10 Year Treasury rates DECREASED 18bp. The net difference is a 3bp increase in a spread of 319bp. With the historical spread being 168 there now exists a “safety cushion” of 151bp - [US 10 Year Treasury Rates Decreased 5bp for Week Ending 12.8.22](https://landconexa.com/us-10-year-treasury-rates-decreased-5bp-for-week-ending-12-8-22/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14 day cumulative change in rates: cumulative DECREASE. For the blue bars it is unusual to have changes of greater than 0.10 in a single day and 0.20 is VERY unusual. 30bp is beyond rare. - [What is the Impact on Reported Annual CPI and Mortgage Rates](https://landconexa.com/what-is-the-impact-on-reported-annual-cpi-and-mortgage-rates/) - INFLATION Forecast: The annual CPI total reported each month is a combined string of 12 months of data, think of it as being 12 dominoes, a new one comes on, the oldest one drops off. THESE are the 2 dominoes to look to see if things got better or worse. If Nov ‘22 is 0.3% - [Mortgage Rates Decreased 2bp to 6.54% as of 12/15/22](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-54-as-of-12-15-22/) - For the week ending 12.15.22 Mortgage rates DECREASED 2bp to 6.54%. For a $100,000 loan the monthly payment DECREASED $1 to $634/mo or $.04/day. Lending Rates and Borrowing Costs While mortgage rates DECREASED 2bp, 10 Year Treasury rates DECREASED 4bp. The net difference is a 2bp increase in a spread of 310bp. With the historical - [US 10 Year Treasury Rates Increased 15bp for Week Ending 12/29/22](https://landconexa.com/us-10-year-treasury-rates-increased-15bp-for-week-ending-12-29-22/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14 day cumulative change in rates: cumulative DECREASE. For the blue bars it is unusual to have changes of greater than 0.10 in a single day and 0.20 is VERY unusual. 30bp is beyond rare. - [Mortgage Rates Increased 6bp to 6.71% as of 1/5/23](https://landconexa.com/mortgage-rates-increased-6bp-to-6-71-as-of-1-5-23/) - For the week ending 1.5.23 Mortgage rates INCREASED 6bp to 6.71%.For a $100,000 loan the monthly payment INCREASED $4 to $646/mo or $.13/day. While mortgage rates INCREASED 6bp, 10 Year Treasury rates DECREASED 12bp. The net difference resulted in an increase of 18bp in the spread to 300bp. With the historical spread being 168 there - [Mortgage Rates Decreased 15bp to 6.56% as of 1/12/23](https://landconexa.com/mortgage-rates-decreased-15bp-to-6-56-as-of-1-12-23/) - For the week ending 1.12.23 Mortgage rates DECREASED 15bp to 6.56%. For a $100,000 loan the monthly payment DECREASED $10 to $636/mo or $.33/day. While mortgage rates DECREASED 15bp, 10 Year Treasury rates DECREASED 28bp. The net difference resulted in an increase of 13bp in the spread to 313bp. With the historical spread being 168 - [US 10 Year Treasury Rates Increased 10bp for Week Ending 1/26/23](https://landconexa.com/us-10-year-treasury-rates-increased-10bp-for-week-ending-1-26-23/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14 day cumulative change in rates: <30bp> cumulative DECREASE. For the blue bars it is unusual to have changes of greater than 0.10 in a single day and 0.20 is VERY unusual. 30bp is beyond rare. - [Mortgage Rates Increased 3bp to 6.35% as of 2/9/23](https://landconexa.com/mortgage-rates-increased-3bp-to-6-35-as-of-2-9-23/) - For the week ending 2.9.23 Mortgage rates INCREASED 3bp to 6.35%.For a $100,000 loan the monthly payment INCREASED $2 to $622/mo or $.07/day. While mortgage rates INCREASED 4bp, 10 Year Treasury rates INCREASED 27bp. The net difference resulted in an increase of 5bp in the spread to 292bp. With the historical spread being 168 there - [January 2023 Data Down From 6.5% to 6.4%](https://landconexa.com/january-2023-data-down-from-6-5-to-6-4/) - INFLATION: The annual number reported each month is a combined string of 12 months of data, think of it as being 12 dominoes, a new one comes on, the oldest one drops off. THESE are the 2 dominoes to look to see if things got better or worse (blue bars). In Jan ‘23 the month - [Existing Home Market for MARCH 2022](https://landconexa.com/the-knudson-file-existing-home-market-for-march-2022/) - Existing homes Sales continue to pull back due to record low available homes for sale and due to increasing interest rates. Rising mortgage rates will slow future home sales but in the immediate short run, there is a rush to buy as near-term home buyers rush into the market to purchase BEFORE mortgage rates rise - [Home Sales Decline But is it Slowing?](https://landconexa.com/home-sales-decline-but-is-it-slowing/) - Existing Homes Sales continue to decline due to rising mortgage rates, higher home prices, and relatively few homes for sale. Record low-interest rates in 2020-'22 likely may have brought forward the demand to purchase in 2022 or 2023. Historically, 75% of any home price appreciation for a calendar year will occur in the 2nd quarter. Home closings rise - [Existing Home Market for Month Ended: December 2022](https://landconexa.com/existing-home-market-for-month-ended-december-2022/) - The number of EXISTING home sales continue to decrease as both home prices and mortgage rates increased but there is also due to a very low inventory of homes for sale. The home sales spike during COVID and record low mortgage rates brought forward demand. Those buyers have purchased a home and have reduced current - [Existing Home Market for Month Ended: January 2023](https://landconexa.com/existing-home-market-for-month-ended-january-2023/) - The number of EXISTING home sales continue to decrease as both home prices and mortgage rates increased but there is also due to a very low inventory of homes for sale. The home sales spike during COVID and record low mortgage rates brought forward demand. Those buyers have purchased a home and have reduced current - [Altos' Report on Watsonville Updated as of 3/27/22](https://landconexa.com/altos-report-on-watsonville-updated-as-of-3-27-22/) - Altos Research: MARKET STATUS AND KEY TRENDS of Existing Homes in Watsonville, CA, as of 3.27.23. It is still a seller’s market, but not as red-hot as it was earlier in the year. The median home price in Watsonville is $1.5m ($681/sq ft), and there are currently 30 homes on the market, with an average - [Housing - It's Not All Bad News](https://landconexa.com/the-knudson-file-its-not-all-bad-news/) - Daily changes in the 10 years have been swinging up and down in groups of days. The market is trying to find direction. With robust new jobs and CPI up this past week, it all but assures that the Fed will raise rates at their next meeting on July 27. The debate now is by how much: 75 - [Rates Have Risen Again; What Does This Mean For The Economy?](https://landconexa.com/rates-have-risen-again-what-does-this-mean-for-the-economy/) - Mortgage rates are back on the rise today. Borrowers looking for a 30-year fixed-rate mortgage will find rates over 6.52%. 30-Year Mortgage Rates Mortgage rates INCREASE 30 bps to 6.52% for the week ending September 22, 2022. To put that in context, for a $100,000 loan, the monthly payment INCREASED by $19 to $633/mo. or - [Mortgage Rates Decrease By 3 BPS](https://landconexa.com/the-knudson-file-mortgage-rates-decrease-by-3-bps/) - At the start of 2022 mortgage rates increased FASTER than the 10-year Treasury rates. This past week the 10 Year treasury rates increased 17 bps while Mortgage rates decreased by 3 bps thus a 20 bps decrease in spread occurred. - [New Home Market for Month Ended: December 2022](https://landconexa.com/new-home-market-for-month-ended-decmber-2022/) - COVID started in March 2020 and Mortgage rates declined to record lows of 3.00% between Oct 2020 thru Feb 2021. This brought forward demand and thus lessened demand in later months. In November 2018 mortgage rates reached 5.00% and NEW home sales materially decreased. In March 2022 mortgage rates materially increased and breached 5.00% and - [Industrial Property Is at Near Record Levels for Appreciated Return  ](https://landconexa.com/industrial-property-is-at-near-record-levels-for-appreciated-return/) - Q2 2022 returns are HALF of the prior quarter. The 4-quarter return remains at near record levels due to the elevated prior quarterly returns. Rising 10 Year US Treasury Rates are likely a factor. Industrial properties had the lowest Income Return but had the highest appreciation Return which is near RECORD levels. Industrial income return is - [Negative Appreciation Returns for All Property Types in NCREIF Commercial Real Estate Q1 Returns as of March 31, 2023](https://landconexa.com/negative-appreciation-returns-for-all-property-types-in-ncreif-commercial-real-estate-q1-returns-as-of-march-31-2023/) - For the past 4 quarters, only industrial and retail properties eked out a positive total return. Retail was the only property type that had a positive return in the 1st quarter of 2023. However, In Q1, all properties had negative appreciation returns, reflecting the changes in cap rates as CRE pricing adjusts to a higher - [Inflation Prediction for May Data to be Released This Tuesday, June 13: Current 4.9% Declining to 4.2%](https://landconexa.com/inflation-prediction-for-may-data-to-be-released-this-tuesday-june-13-current-4-9-declining-to-4-2/) - INFLATION History: Over the past 50 years, the US has had three inflationary time periods, all related to oil/gas prices. It is worth noting that as fast as inflation spiked, it fell off just as dramatically. Additionally, it is worth noting that mortgage rates do follow the CPI lead, but there is a lag time - [Inflation Prediction for July Data to be Released This Thursday August 10: Current 3.0% Increasing to 3.30%](https://landconexa.com/inflation-prediction-for-july-data-to-be-released-this-thursday-august-10-current-3-0-increasing-to-3-30/) - Inflation History: Over the past 50 years, the US has had three inflationary time periods, all related to oil/gas prices. Note as fast as inflation spiked, it fell off just as dramatically. Additionally, It is worth noting that mortgage rates do follow the CPI lead, but there is a lag time involved. Rates tend to - [Inflation: Actual vs. Prediction for July](https://landconexa.com/inflation-actual-vs-prediction-for-july/) - Inflation in July 2023 was reported as 8.10.23, with an annual increase from 3.0% to 3.2%. Predicted vs. Actual with a Forward Look: On 9.13.23, the CPI for August is projected to increase from 3.2% to 3.3%. July 2022, at 0.2%, falls off on 9.13.23 as August 2023 data becomes relevant and is estimated to - [Inflation: Actual vs Prediction for September](https://landconexa.com/inflation-actual-vs-prediction-for-september/) - Inflation September 2023 was reported on 10.12.23, with an annual rate remaining unchanged at 3.7%. Predicted vs. Actual and a Forward Look: On 9.13.23, the CPI for September 2023 is projected to remain stable at 0.4%, equivalent to the figure for September 2022, indicating no change in the annual CPI. The projected monthly CPI is - [What drives Consumer Confidence?](https://landconexa.com/the-knudson-file-what-drives-consumer-confidence/) - Some 70% of the US economy is driven by Consumer Spending. Consumer spending depends on many, many factors with some being more important at different times than other factors. There are many factors that influence Consumer Confidence typically jobs and income are considered to be key determinants, however, there are other variables that occur that - [What Will Impact Treasury and Mortgage Rates?](https://landconexa.com/the-knudson-file-what-will-impact-treasury-and-mortgage-rates/) - The upcoming week’s data reveals a few things that could impact Treasury and Mortgage rates. These things include consumer confidence, new home sales, prices, and months of inventory, the existing home pending sales index, and the Federal Reserve FOMC Meeting which is coming up on Wednesday, July 27th.. Key economic items in the upcoming week - [Data that Could Impact Treasury and Mortgage Rates](https://landconexa.com/data-that-could-impact-treasury-and-mortgage-rates/) - WEEKLY: Unemployment claims are available each Wednesday. They have been increasing since the Fed announced its intention to increase interest rates to address inflation concerns. As the weekly claim filings increase, it will eventually slow the growth of the MONTHLY Net New Jobs total. • Monthly data updates in blue, see below • Weekly data - [Unemployment Claims Rise Due to Fed's Announcement of Rate Hike](https://landconexa.com/unemployment-claims-rise-due-to-feds-announcement-of-rate-hike/) - Unemployment claims are available each WEDNESDAY. They have been increasing since the Fed announced its intention to increase interest rates to address inflation concerns. As the weekly claim filings increase, it will eventually slow the growth of the MONTHLY Net New Jobs total. Weekly Initial Unemployment Claims 30 Year Mortgage Rates WEEKLY Mortgage rates are - [Inflation Project Breakthrough](https://landconexa.com/inflation-project-breakthrough/) - In order to produce the below bar/line graphic, one needs matched quarterly and annual data points. It really tells a story and has predictive capability based on the "domino" that is falling off vs the one coming on. I've shown this to a lot of non-finance friends and folks pick up on it quickly. Total - [October 2022 CPI Data Down From 8.2% to 7.7%](https://landconexa.com/october-2022-cpi-data-down-from-8-2-to-7-7/) - The Consumer Price Index (CPI) for October was released 11.10.22 and the year-over-year total decreased from 8.2% to 7.7%---it was VERY good and welcomed news on the inflation front. The annual CPI number reported each month is a combined string of 12 months of data, think of it as being 12 dominoes, a new one - [CPI Prediction vs Actual for February--Inflation Headed to 3.3% Come July 12, 2023](https://landconexa.com/cpi-prediction-vs-actual-for-february-inflation-headed-to-3-3-come-july-12-2023/) - Inflation forecast: The annual CPI total reported each month is a combined string of 12 months of data. Think of it as a set of 12 dominoes, where a new one comes on and the oldest one drops off. These are the two dominoes to look at to see if the CPI has improved or - [Inflation Prediction vs ACTUAL for March Data](https://landconexa.com/inflation-prediction-vs-actual-for-march-data/) - Inflation: As reported on 4.12.23, March 2023 had a projected vs Actual. Looking forward to April's CPI, which is set to be released on 5.10.23, as well as PCE, which is used by the Fed. INFLATION History: Over the past 50 years, the US has had 3 inflationary time periods, all related to Oil/Gas prices. - [Improved Outlook for Multi-Family Investments](https://landconexa.com/q1-11-situation-analysis-improved-outlook-for-multi-family-investments/) - Q1-11 Situation Analysis Fourth quarter data from MIT’s Transaction-Based Index suggests that commercial real estate (CRE) bottomed out one year ago and has begun a smart recovery since. When all of its types are lumped together (apartments, industrial, office, retail), CRE is priced well above the trend line established through 2004 (the beginning of the - [Deficit Dove](https://landconexa.com/deficit-dove/) - Q4-10 Situation Analysis Like almost all businesses, and every small one, LANDCO relies on employed persons with good wages to be our customers. The lion's share of businesses in this country and around the world can hope for no better development than effective job-creation. In the US, a concerted attack on the deficit today is - [Timing and Pricing the Disposition of Commercial Real Estate](https://landconexa.com/q3-10-situation-analysis-timing-and-pricing-the-disposition-of-commercial-real-estate/) - Q3-10 Situation Analysis How should one decide on pricing a CRE asset in today’s market? Let’s assume that the property in question is a condominium project that failed during the past two years. Should the units be sold quickly at a relatively low price-list, or are there extra profits to be had by selling more - [Replacement Cost Fallacy](https://landconexa.com/q1-10-situation-analysis-replacement-cost-fallacy/) - Q1-10 Situation Analysis Measure of Competitiveness At the same rent, a new building will lure tenants away from an older one, so a used property must charge lower rents. It must be priced below the cost of new construction. Was Fall: from as heard in to I. It. She For overwhelmed and/or purchased medium that. - [The Commercial Real Estate Environment](https://landconexa.com/q3-09-situation-analysisthe-commercial-real-estate-environment/) - Q3-09 Situation Analysis The Commercial Real Estate Environment — 2009: Beginning in 2005, commercial real estate prices began to depart from a 20-year trend of 1.4% annual growth. This was the start of a bubble that has since burst. It is likely that prices will hit bottom in 2010, losing roughly 50% of their 2007 - [Who Sunk Housing?](https://landconexa.com/who-sunk-housing/) - Morgan Stanley's view of a "rentership society" is an interesting read, but underlying it is the specious argument that Fannie and Freddie caused the housing crisis. This myth has been debunked over and over again (e.g., New York Review of Books, The Atlantic, Economist's View (blog), or About.com). Still, Wall Street prefers denial. Here is - [Ben Bernanke Does the Right Thing](https://landconexa.com/q3-12-situation-analysis-ben-bernanke-does-the-right-thing/) - On September 13, the Federal Reserve announced a third round of quantitative easing (QE3) by committing to purchase mortgage bonds at the rate of $40 B per month and to continue doing so indefinitely. Effectively, QE3 does several things at once, all of which LANDCO has called for in the past few years, particularly in - [Does Housing Belong on Your Balance Sheet or on Your P&L?](https://landconexa.com/does-housing-belong-on-your-balance-sheet-or-on-your-pl/) - Even before the housing bubble, economists had been saying for a long time that American household wealth was way over-invested in personal residences and under-invested in commercial assets. In financial terms, the American middle class preferred to put housing on its balance sheet (ownership), rather than on its P&L (renting). For a few generations, the - [Time and Money](https://landconexa.com/q2-11-situation-analysis-time-and-money/) - Q2-11 Situation Analysis We know that money is prone to change in value. When it is relatively easy to come by, it is less valuable, meaning that people are more willing to spend or invest it (i.e., risk it). They are less inclined to save it. When money is hard to come by, it is - [Foreclosure Resolution](https://landconexa.com/q3-11-situation-analysis-foreclosure-resolution/) - Q3-11 Situation Analysis Rental Housing Elizabeth Duke, a Governor of the Federal Reserve Bank of Richmond, spoke on September 1 in support of turning bank-owned homes into rentals. She said that “weak demand [for] owner-occupied housing [and] relatively high demand [for] rental housing suggest that transitioning some REO properties to rental housing might benefit both - [Hurricane Sandy Did Not Affect the 2012 Election, But It Affected 2016](https://landconexa.com/hurricane-sandy-did-not-affect-the-2012-election-but-it-affected-2016/) - 1st of 5 parts on climate change and real estate by David Rosenbaum: Environmental policy and public opinion are moving toward science and toward increased regulation — the greening of real estate. - [Political Climate Change](https://landconexa.com/political-climate-change/) - 2nd of 5 parts on climate change and real estate by David Rosenbaum: The guys in the green jerseys are in the LEED. That’s exactly where real estate must go in order to stay in the game. The future is with environmental regulation. - [The Smart Money is on Science](https://landconexa.com/the-smart-money-is-on-science/) - 3rd of 5 parts on climate change and real estate by David Rosenbaum: Call it earth-friendly or economically imperative, investors who embrace the greening of real estate can profit by getting ahead of the curve. Denial and resistance are dead ends. - [Change in the Real Estate Climate](https://landconexa.com/change-in-the-real-estate-climate/) - 4th of 5 parts on climate change and real estate by David Rosenbaum: Polling reveals that Americans have begun to accept as scientific fact that human activity is dangerously affecting the climate (Rasmussen, Quinnipiac, Yale, National Wildlife Federation). - [The Meaning of Greening](https://landconexa.com/the-meaning-of-greening/) - 5th of 5 parts on climate change and real estate by David Rosenbaum: Climate change has brought us to a turning point in real estate as important as the invention of skyscrapers or the conception of suburbia, perhaps as important as the settling of the west. - [LANDCO Eyes Asia](https://landconexa.com/landco-eyes-asia/) - China, for all of its wealth creation, continues to seek US investment alternatives. On our recent visit, manufacturers, business people, and family offices affirmed that the US, Latin America, and Africa are popular investment destinations. - [The Knudson File: NCRIEF Total Property Returns](https://landconexa.com/the-knudsen-file-ncrief-total-property-returns/) - For institutional quality properties (i.e. pension funds) returns for all Soft it find items? Again love does fact. But a. Hard Them. I'll instance. For 10 much too jeans it through. It Energy BECAUSE it in at just the any on mild strips me brand! It's a my the delicious. But -- will did white. - [Video 1: Understanding Your Market](https://landconexa.com/understanding-your-market/) - Understanding where the market is in the context of market cycles is critical to making a “good” investment. Currently, the market has low interest rates and low cap rates. Savvy investors will proforma rising operating expenses, capital expenses, and interest rates on the buy before deploying capital. This careful analysis might encourage alternative approaches such - [Video 2: Investment Objectives](https://landconexa.com/video-investment-objectives/) - Investors and real estate are courting each other, getting married, and over time they eventually run their life cycle. Investing in real estate is an exciting proposition, and to be successful in it, defining objectives is essential. Are we looking for an inflation hedge, predictable income, tax advantage, or double digit returns? All can be - [Video 3: Return Measurement](https://landconexa.com/video-return-measurement/) - One of the most misunderstood metrics in real estate is the measurement of how much money is earned on a given investment. It’s common for investors to overlook the opportunity costs of capital, both debt and equity, as well as forgone investment opportunity when evaluating a decision. How returns are measured may have a dramatic - [Video 4: Distinction in Real Estate and Capital](https://landconexa.com/video-distinction-in-real-estate-and-capital/) - By itself, real estate is a simple enough business. An old adage we have all heard is “location, location, location." While location is an important driver for the overall performance of any commercial real estate investment, so is structured finance. We like to refer to it as “the gearing” and as such, a simple real - [Video 5: Economic Trend](https://landconexa.com/economic-trend/) - How do we look at economic indicators and what do we make of them? The changing nature of strategy should always consider the economy. Unfolding of the cycle affects different aspects of the real estate business in ways that can be anticipated. - [Video 6: The Business of Real Estate](https://landconexa.com/the-business-of-real-estate/) - Have you ever been asked how the real estate business is going? The answers are different for what may be less than obvious reasons. See how disciplines behave in changing real estate cycles and what may distinguish the definitions of “good” or “bad” markets. - [Video 7: Management Operations](https://landconexa.com/management-operations/) - The intrinsic value of real estate is a function of revenue. Additional value is extrinsic and more a result of market forces. Operations are owner controlled. Multifamily, commercial, industrial and retail assets are different businesses requiring different skill sets. The value of good management is often underestimated. - [Video 8: Politics and Real Estate](https://landconexa.com/video-8-politics-and-real-estate/) - Communities leverage property owner rights through a series of codes, restrictions, permitting processes, ordinances, taxes and laws. A general discussion of land owner rights and how economics move between the private sector to the public sector. - [Video 9: Crowd Funding](https://landconexa.com/video-9-crowd-funding/) - The Jobs Act of 2012 loosened regulations governing capital raising. Though very much in its infancy, alternative funding sources have proliferated seeking previously untapped sources of capital. On popular form of syndication is crowd funding in small amounts from investors that have not typically had access to real estate investment. - [Video 10: Raising Capital](https://landconexa.com/video-10-raising-capital/) - The relation of capital and real estate is critical to the success of an investment. There are many possibilities and as such, like in any partnership, the mission should be well defined. Let’s talk about how capital is effectively raised in a competitive market. - [Audio 1: Interest Impact](https://landconexa.com/audio-cost-of-borrowing-interest-rate-impact-on-commercial-mortgages/) - Watching the Fed. Listen to a discussion of interest rates and their impact on real estate equity brought to you by LANtelligence and banking consultant, William Knudson as he highlights market risk analysis. - [Audio 2: Pension Fund Hedge](https://landconexa.com/audio-2-pension-fund-hedge/) - Pension funds seek protection from inflation by investing in real estate. Hear an explanation of how this process began and considerations driving institutional real estate investment brought to you by LANtelligence and former RREEF analyst Bill Knudson. - [Audio 3: Unemployment Rate and Employment Participation](https://landconexa.com/audio-3-unemployment-rate-unemployment-percentage/) - Confusion between labor participation rates and unemployment rate is at an all time high. With so many questions about what our economy is likely to do, and the close relationship between rents and jobs, LANtelligence explores these metrics with Bill Knudsen, long time affiliate and banking professional. - [Video 11: Lessons from an Entrepreneur](https://landconexa.com/video-11-lessons-entrepreneur/) - Real estate investing is not for everyone. Lessons from an experienced real estate entrepreneur may be invaluable. Psychology must be suited to life style, economic expectation, station risk tolerance and relative financial position for optimal satisfaction to be achieved. - [Video 12: Sportsmanship in Real Estate](https://landconexa.com/video-12-sportsmanship-real-estate/) - As in sports of any kind, excellent behavior is a winner for all parties involved. It may not be obvious what to do in today's competitive business environment. Mark Lester discusses sportsmanship in real estate and how this benefits all parties involved. - [Audio 4: Amortization](https://landconexa.com/audio-4-amortization/) - Lower payments are not the singular benefit. Amortization and the effects of interest rates are explored. Here a discussion on the correlation between lower rates and principal paydown. - [Audio 5: Underwriting Evolution](https://landconexa.com/audio-5-underwriting-evolution/) - Where is cash flow analysis taking us? Analysis of commercial real estate cash flows underwent radical change with the advent of spreadsheets and desk top computers. But where has it gone from there? - [Audio 6: Real Estate as an Inflation Hedge](https://landconexa.com/audio-6-real-estate-inflation-hedge/) - Real estate is an income stream investment...or is it? Income from bonds is fixed and their values respond inversely to rate changes. How does inflation affect different property types? How do long term real estate leases offset inflation risks? - [Audio 7: Consumer Confidence Index](https://landconexa.com/audio-7-consumer-confidence-index/) - Listen to an audio on the important metrics of the day. What can consumer confidence tell us about the direction of our economy? The financial crisis of 2008 was clearly forecast, if consumer confidence was any indicator. What are we seeing now and how should we be trimming our portfolio of sails? - [Audio 8: Credit Risk, Bankruptcy and Foreclosure](https://landconexa.com/audio-8-credit-risk-bankruptcy-foreclosure/) - Listen to an audio on the the topic of Credit Risk across the United States and the key metrics to track nationally and locally, including Bankruptcy and Foreclosure. How does today's data compare to the pre-financial crisis of 2007? What is a Notice of Default, Notice of Trustee Sale, and the Real Estate Owned process? - [Video 13: Private Equity Fund](https://landconexa.com/video-13-private-equity-fund/) - A compromised capital structure can be an opportunity to acquire real estate at a below market basis. The LANDCO Special Situations Real Estate Fund has been formed as an alternative for investing at the peak of the market cycle. - [The Knudson File: Weekly Economic Review Period Ended Dec 31, 2021](https://landconexa.com/the-knudson-file-weekly-economic-review-period-ended-dec-31-2021/) - With the COVID pandemic, changes occurred which exceed the scales of many of the graphs. Most of the changes were short-lived ---hence the scale was not adjusted to capture the full magnitude of that short term change. Jobs & Inflation, Consumer Confidence, and Leading Indicators Weekly new unemployment filings in 2020 were MUCH worse than anything - [The Knudson File: 30-year Mortgage Rates on an Upward Trend](https://landconexa.com/the-knudson-file-30-year-mortgage-rates-on-an-upward-trend/) - 30-year mortgage rates are on an upward trend as the economy and employment improve, the Fed is turning its attention to inflation. Longer-term interest rates have increased in anticipation of these changes. For the past week ending Thursday Jan 27th 2022, 30-year mortgage rates were down slightly at 1b to 3.73% resulting in a monthly payment - [The Knudson File: Changes in Treasury Rates - Week Ending 2/4/2022](https://landconexa.com/knudson-file-changes-in-treasury-rates-week-ending-2-4-2022/) - The 10-year U.S. Treasury rates rose a substantial 15 basis points higher this past week (see black line) As the 10-year rates increased, the 30-year mortgage rates increased by only 2 basis points. This caused the spread to decrease by 13 basis points ending the spread up by 14 bps above the historic spread of 168 bps. - [The Knudson File: 10-Year Treasury Spreads Now Above Historical Average](https://landconexa.com/the-knudson-file-10-year-treasury-spreads-now-above-historical-average/) - The 10-year U.S Treasury rate increased by 1 bps for the week ending February 11th, 2022. One year U.S Treasury rates increased 18 bps, while the yield curve flatten due to this change. The rate difference between a 5-year and a 10-year Treasury is 8 bps which, indicates a relatively flat yield curve. 30-year home mortgage - [The Knudson File: Mortgage Rates Rise 23bps to 4.12% For Week Ending 2.17.22](https://landconexa.com/the-knudson-file-mortgage-rates-rise-23bps-to-4-12-for-week-ending-2-17-22/) - Mortgage rates increased 23 bps this past week from 3.89% to 4.12%. While 4.00% is not a major price point, it will start catching the public's attention. For a $100,000 loan, the monthly payment increased by $13 to $484 which is equal to $0.48 a day. Rates were below 3.00% for 14 weeks and it - [Video 14: Interest Rates with Michael Purves, Tallbacken Capital Advisors](https://landconexa.com/video-14-interest-rates-with-michael-purves-tallbacken-capital-advisors/) - [The Knudson File: 7 Day Treasury Rates For Period Ending 2.24.22](https://landconexa.com/the-knudson-file-7-day-treasury-rates-for-period-ending-2-24-22/) - Treasury rates increased a modest 4 basis points while Mortgage rates decreased 3 basis points for the 7 day period ending February 24th, 2022. This caused the net spread between the two to decrease 7 bps to 45 bps above normal spread of 168 bps. It appears the mortgage market is positioned for anticipated rate - [The Knudson File: Mortgage Rates Decreased 13 Basis Points for Week Ending March 4th, 2022](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-13-basis-points-for-week-ending-march-4th-2022/) - Mortgage rates decreased 13 basis points this past week from 4.09% to 3.96%. While 4.00% is not a major price point, it will start catching the public's attention. For a $100,000 loan, the monthly payment decreased by $8 to $475 which is equal to $0.25 a day. Rates were below 3.00% for 14 weeks and - [The Knudson File: Treasury Rates decreased as Russia attacked Ukraine](https://landconexa.com/the-knudson-file-treasury-rates-decreased-as-russia-attacked-ukraine/) - Treasury rates decreased 10 Basis Points as Russia attacked Ukraine. Mid-week Treasuries were off 14 bps while mortgage rates decreased 13 bps for the 7-day period ending 3.3.22. This caused the net spread between the two to decrease 3 bps to 42 bps above the normal spread of 168 bps. It appears the mortgage market - [The Knudson File: Treasury Rates increased 12 bps for Week Ending 3/10/2022](https://landconexa.com/the-knudson-file-treasury-rates-increased-12-bps-for-week-ending-3-11-2022/) - For the 7 day period ending March 10th, 2022, 10-Year Treasury rates increased 12 bps while mortgage rates increased 9 bps. This caused the net spread between the two to decrease 3 bps to 39 bps above normal spread of 168 bps. It appears the mortgage market is positioned for anticipated rate increases by the - [NCREIF Returns 4th Quarter 2021](https://landconexa.com/ncreif-returns-4th-quarter-2021/) - ALL PROPERTY TYPES COMBINED: Income returns are tapering off as appreciation increases are recorded. The appreciation return spikes continue to be driven by record increases in industrial properties. ALL PROPERTIES COMBINED: Annual return for Q4 came in at a near-record rate of 17.70% driven primarily by Industrial properties. Note in the lower graphic that quarterly - [Near Record Low - 4 Quarter Income Returns Says NCREIF](https://landconexa.com/near-record-low-4-quarter-income-returns-says-ncreif/) - The National Council of Real Estate Investment Fiduciaries (NCREIF) shows rolling 4 Quarter Income Returns for all 4 property types (industrial, apartment, office, and retail) at near-record lows. This implies cap rates are also near record lows. US 10 Year Treasury Rate and Rolling 4 Quarter Income Returns have a high correlation. Property returns in - [The Knudson File: Where Are Mortgage Rates Headed?](https://landconexa.com/the-knudson-file-where-are-mortgage-rates-headed/) - Where Are Mortgage Rates Headed? My guess is 5.00% to 5.50% by Dec 31, 2022. This is based on historical spreads and the fact that the Fed has STRONGLY singled increases in their Fed Funds rates during their next 6 meetings in 2022. In addition, they will likely stop their purchases of long-term Treasuries and - [The Knudson File: Mortgage Rates increased 31 bps](https://landconexa.com/the-knudson-file-mortgage-rates-increased-31-bps/) - Mortgage rates increased 31 bps this past week to 4.36%. The Fed increased rates 25 bps on March 15th, 2022, with many more increases to follow and a reduction in their securities purchases (i.e., Taper Program). For a $100,000 loan, the monthly payment increased by $18 to $498 which is equal to $0.60 a day. - [The Knudson File: It's Rocket Time In The Market so Buckle Up.](https://landconexa.com/the-knudson-file-its-rocket-time-in-the-market-so-buckle-up/) - Rates rocket up and feather down. Right now it is and will continue into the foreseeable future---it is rocket time, buckle up. We will be hitting 5.00%+ well before year end. (i.e. red line going up will intersect the red dashed line). FYI, as rates go up, it takes more income to qualify for a loan. Any - [The "Battle of the Bulge"](https://landconexa.com/the-knudson-file-battle-of-the-bulge/) - 10 year US Treasuries were up 14 bps this past week vs 26 bps for Mortgages. Thus the spread increased by 12 bps to 60 bps ABOVE the long term spread of 168 bps between the two.5 year US Treasuries have been increasing faster than 10 year and 5 years are 3 bps above 10 - [Fed Raises Rates to Fight Inflation](https://landconexa.com/the-knudson-file-fed-raises-rates-to-fight-inflation/) - As the Feds raise rates to fight inflation, will it cause the price of Gas or Used Car Prices to decrease? Both are supply-related issues. What is noticed is the 2021 April, May and June Used Car Price run-ups will start rolling off in May-July 2022. When a single item has a one-month price run-up, that - [The Battle of The Bulge Begins-US Treasury Rates; Period Ending 3.31.22](https://landconexa.com/the-knudson-file-the-battle-of-the-bulge-begins-us-treasury-rates-period-ending-3-31-22/) - 10-year US Treasury rates declined 2 bps this past week while Mortgage rates increased 25 bps. Thus, the spread increased by 27 bps to 87 bps ABOVE the long-term spread of 168 bps between the two. Lending Rates and Borrowing Costs For the 7-day period ending March 31st, 2022, 10 Year Treasury rates decreased 2 - [How Does the Rapid Rise in Mortgage Rates Compare to Rates Since 1971?](https://landconexa.com/the-knudson-file-how-does-the-rapid-rise-in-mortgage-rates-compare-to-rates-since-1971/) - Freddie Mac has weekly 30 Year mortgage rates going back to 1971. The highest rate was 19.18% and it occurred on October 9,1981 while the lowest rate of 2.83% occurred on January 7, 2021. The average for this 51 year time span is 8.09%. Freddie Mac includes both rates and points. Dividing points by 4 - [Existing homes, Sales, and Price Appreciation](https://landconexa.com/the-knudson-file-existing-homes-sales-and-price-appreciation/) - Existing homes, Sales, and Price Appreciation over the past 8 months have been relatively flat and that is BEFORE the Impacts of the Mortgage Rate spikes of March and April 2022. Unless home price appreciation occurs over the next 4 months, Existing home prices are going to be minimal if not slightly negative as measured year - [CPI Inflation Data for March 2022 Out Tomorrow - How Will Markets React?](https://landconexa.com/the-knudson-file-cpi-inflation-data-for-march-2022-out-tomorrow-how-will-markets-react/) - Energy costs and Used car price spike are causing choppiness in the month to month data. Below is energy costs. The GREAT news is the spike outlier of 5.0 for March 2021 will drop off. - [10 Year US Treasury Rates Increased 31 BSP](https://landconexa.com/the-knudson-file-10-year-us-treasury-rates-increased-31-bsp/) - For the 7-day period ending April 7th, 2022, 10-Year Treasury rates increased 31 bps while mortgage rates were up 5 bps. This caused the net spread to Decrease from 25 bps to 58 bps ABOVE the normal spread of 168 bps. Bond investors are trying to get ahead of the Fed’s future moves. Rates ROCKET up and feather down. - [10 Year US Treasury Rates Increased 17 BPS](https://landconexa.com/the-knudson-file-10-year-us-treasury-rates-increased-17-bps/) - 10 Year US Treasury rates increased 17 basis points for the week ending April 14th, 2022 (48 bps for the past 2 weeks). 30-year Treasury was up a 23 bps, which is a large increase. This will affect the following sectors: Bond investment funds---good news is next quarter-end mark-to-market is way off at June 30, bond fund - [1 & 5 Year Treasuries up 17 BPS](https://landconexa.com/the-knudson-file-1-5-year-treasuries-up-17-bps/) - 10 Year US Treasury rates increased 7 bps for the week ending April 14th, 2022. 1 & 5 Year Treasuries were up a by a LARGE margin (17 bps). This slammed 15-year mortgages which spiked 19 bps to 4.58% . Lending Rates and Borrowing Costs Mortgage rates are now at 5.31%. For the 7-day period ending - [Can The Fed Move Fed Funds WITHOUT Causing An Increase in Mortgage Rates?](https://landconexa.com/the-knudson-file-can-the-fed-move-fed-funds-without-causing-an-increase-in-mortgage-rates/) - With the STEEP short-term portion of the Yield Curve, the Fed can increase Fed Funds by nearly 200 bps and yet have no changes in longer-term Treasuries (ie 5+ years). The result can still have a "normal" shaped Yield Curve. In fact, a Yield Curve shape is very similar to the pre-COVID-19 Yield Curve. - [Mortgage Rates decreased 1 BPS to 5.30%](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-1-bps-to-5-30/) - MORTGAGE RATES ARE NOW WELL ABOVE 5.00% and decreased 1 bps to 5.30%. For a $100,000 loan, the monthly payment decreased by $1 to $555 which is equal to $0.02 a day. - [10 Year Treasury Rates DOWN - Yield Curve FLAT For 5+ Years with INVERSION](https://landconexa.com/the-knudson-file-10-year-treasury-rates-down-yield-curve-flat-for-5-years-with-inversion/) - The Yield Curve has had slight changes this past week (the red line is current, and the green is last week). The Yield Curve is virtually flat for 5+ years and the inversion is BACK. - [Treasury, Inflation, And Jobs; Are We Rallying?](https://landconexa.com/the-knudson-file-treasury-inflation-and-jobs-are-we-rallying/) - U.S. Treasury debt, which is the benchmark used to price other domestic debt, is an influential factor in setting consumer interest rates. Yields on corporate, mortgage, and municipal bonds rise and fall with those of the Treasuries, which are debt securities issued by the U.S. government. The U.S Treasury yields rose sharply Thursday, extending gains - [Local Non Profits To Benefit From First 10 Homes Sold at Hillcrest Residential Development](https://landconexa.com/nonprofit-second-harvest-food-bank-will-be-one-of-the-selected-local-non-profits-to-benefit-from-first-10-homes-sold-at-hillcrest-residential-development/) - WATSONVILLE, SANTA CRUZ COUNTY (March 2023)—Hillcrest Residential Development, the 144-unit housing subdivision located just off Ohlone Parkway in Watsonville, has announced that for the first 10 homes sold, Hillcrest will be donating a $1,000 per home to local select local nonprofits including Second Harvest Food Bank. Second Harvest Food Bank’s mission is to inspire and support - [NEW HOME SALES and PRICES](https://landconexa.com/the-knudson-file-new-home-sales-and-prices/) - When COVID-19 first hit the US in March 2020 sales of NEW homes immediately stalled but quickly resumed as interest rates declined. With record-low mortgage rates, sales of NEW homes surged in late 2020 and into 2021. As mortgage rates increased sales slowed but appear to be at levels slightly below levels that prevailed prior to March 2020. The increased sales with multi-generational lows may have brought demand forward, thus giving the impression that NEW home sales have stalled. - [Home Buying Has Spiked But for How Long?](https://landconexa.com/home-buying-has-spiked-but-for-how-long/) - As new home sales spiked in August, months of inventory dropped. Speculation as to why the increase in buying New homes buyers could be anticipating mortgage rates will go even higher, so they are purchasing now before rates increase further. Builders have pulled back on permits and new construction starts, while they continue to - [Construction begins on oft-delayed 144-unit housing project in Watsonville](https://landconexa.com/construction-begins-on-oft-delayed-144-unit-housing-project-in-watsonville/) - WATSONVILLE—Watsonville’s newest residential development broke ground on Feb. 17, nearly five years after it was originally approved by the city council. Hillcrest, located off of Ohlone Parkway, will consist of 144 units when fully built out over several phases, including 76 townhomes, 63 duplexes, and five detached single-family structures on 11 acres that overlook Watsonville - [NEW Home Market for Month Ended: January 2023](https://landconexa.com/new-home-market-for-month-ended-january-2023/) - COVID started in March 2020 and Mortgage rates declined to record lows of 3.00% between Oct 2020 thruFeb 2021. This brought forward demand and thus lessened demand in later months. In November 2018 mortgage rates reached 5.00% and NEW home sales materially decreased. In March2022 mortgage rates materially increased and breached 5.00% and sales immediately - [New Home Market for the Month Ended March 2023](https://landconexa.com/new-home-market-for-the-month-ended-march-2023/) - COVID started in March 2020, and mortgage rates declined to record lows of 3.00% between October 2020 and February 2021. This forward demand and thus lessened demand in later months. In November 2018, mortgage rates reached 5.00%, and new home sales materially decreased. In March 2022, mortgage rates materially increased and breached 5.00%, and sales - [NEW Home Market for the Month Ended April 2023](https://landconexa.com/new-home-market-for-the-month-ended-april-2023/) - COVID started in March 2020, and Mortgage rates declined to record lows of 3.00% between October 2020 and February 2021. This forward demand in later months. In November 2018, mortgage rates reached 5.00%, and new home sales materially decreased. In March 2022, mortgage rates materially increased and breached 5.00% and sales immediately declined. Homes under - [New Home Market for Month Ended: November 2023](https://landconexa.com/new-home-market-for-month-ended-november-2023/) - COVID started in March 2020, and Mortgage rates declined to record lows of 3.00% between October 2020 and February 2021. This forward demand in later months. In November 2018, mortgage rates reached 5.00%, and new home sales materially decreased. In March 2022, mortgage rates materially increased and breached 5.00% and sales immediately declined. Homes under - [A Year of Unprecedented Progress with Hillcrest Development](https://landconexa.com/𝐀-𝐘𝐞𝐚𝐫-𝐨𝐟-𝐔𝐧𝐩𝐫𝐞𝐜𝐞𝐝𝐞/) - As dedicated mortgage brokers in the real estate sector, we have the unique privilege of playing a pivotal role in transforming visions into tangible realities. We would like to acknowledge a significant milestone in a journey that began a little over a year ago with a successful first phase funding of $40 Million of an - [New Home Sales Are Key Drivers For Economy](https://landconexa.com/the-knudson-file-new-home-sales-are-key-drivers-for-economy/) - NEW Home Sales compared to Existing home sales are currently 12% (1 out of 8). NEW home sales are a key driver to US employment both for those directly involved in construction but also to the supply chain of components necessary to build a home. Demand for homes remains strong, even as prices rise, and supply - [New Home Sales are Key Driver To US Employment](https://landconexa.com/new-home-sales-are-key-driver-to-us-employment/) - NEW Home Sales to Existing home sales is currently 14% (1 out of 7). NEW home sales are a key driver to US employment both for those directly involved in construction but also to the supply chain of components necessary to build a home. Sales of NEW homes continue to decrease, and months of inventory continue - [Feds Raise Rates to 6.01% - Will This Help Control Inflation?](https://landconexa.com/the-knudson-file-feds-raise-rates-to-6-01-will-this-help-control-inflation/) - Mortgage rates increased 55 basis points while 10 Year US Treasuries INCREASED 24 basis points, thus spread increased by 28 bps to 273 bps or 105 bps ABOVE the 168 bps average. 30-Year Mortgage Rates Week Ending June 16, 2022: Mortgage rates increased 55 bps to 6.01% so for a $100,000 loan, the monthly payment increased - [Will The Fed's Aggressive Action Curb Inflation?](https://landconexa.com/the-knudson-file-will-the-feds-aggressive-action-curb-inflation/) - 10 Year US Treasury rates DECREASED 19 basis points for the week ending 6.23.22. The short-term yield curve remains steep while longer-term 5+ years is slightly INVERTED. This occurred a week after the Fed meeting on June, 15th 2022, and their increase of the Federal Fund’s rate by a SUBSTANTIAL 75 bps, reaffirming their determination to - [The Consumer Price Index Is At 9.1% But Why?](https://landconexa.com/the-knudson-file-cpi-is-at-9-1-but-why/) - The Consumer Price Index (CPI) for June 2022 data was released today and the year-over-year increase went from 8.6% to 9.1%. The main driver of the increase in March was due to soaring energy costs due to Russia's invasion of Ukraine which began on Feb 24, 2022. The one-month increase was 11% while the annual rate - [Inflation DOWN From 9.1% to 8.5% as Energy Prices Decline](https://landconexa.com/inflation-down-from-9-1-to-8-5-as-energy-prices-decline/) - The Consumer Price Index (CPI) for July was released today and the year-over-year total decreased from 9.1% to 8.5% as gasoline prices decreased in July. Core was unchanged at 5.9%. Inflation - 12 Month Period (Ending July 2022) As the chart below demonstrates, gas prices have materially declined in July and into August. This should have - [Jobs Report Strong Despite Unemployment Rate](https://landconexa.com/jobs-report-strong-despite-unemployment-rate/) - The new jobs report was announced this morning with 311,000 new jobs added to the labor market this quarter, (pre-COVID was 180k-200k) which is strong despite the unemployment rate increasing from 3.5% to 3.7%. Interest rates will likely increase as the Fed continues to fight inflation. CPI’s next release is Sept 13th, 2022 Fed’s next - [Is There an End In Sight?](https://landconexa.com/is-there-an-end-in-sight/) - How long will we have the current inflation problem? Could there be an end in sight? Clearly, Energy and to a lesser extent food are the major causes of the current inflation problem. (see the top of the graphic below). Energy prices for 12 months are up 32.9%; a worldwide event. Inflation: 12-Month Period Ending: - [With Inflation High, How Will the Fed's React?](https://landconexa.com/with-inflation-high-how-will-the-feds-react/) - INFLATION: The annual number reported each month is a combined string of 12 months of data, think of it as being 12 dominoes, a new one comes on, and the oldest one drops off. THESE are the 2 dominoes to look at to see if things got better or worse. In August of 2022, the - [Will Inflation Continue? If so, for How Long?](https://landconexa.com/will-inflation-continue-if-so-for-how-long/) - The Consumer Price Index (CPI) for September was released today (October 13th, 2022) and the year-over-year total decreased from 8.3% to 8.2%. This will be the last report before the midterm election which will take place on November 8th, 2022.The annual CPI number reported each month is a combined string of 12 months of data, think - [Consumer Price Index (CPI) vs Personal Consumption Expenditure (CPE)-----That the Fed Uses](https://landconexa.com/consumer-price-index-cpi-vs-personal-consumption-expenditure-cpe-that-the-fed-uses/) - The CPI and PCE are both inflation measurements, and both have units of percent. It istempting to subtract one from the other, but remember the old math rule in schoolwhere things need common denominators? Well, the CPI has a totally differentdenominator than the PCE. Who calculates the CPI and PCE? In our Federal Government, the - [January 2024 Sees Surge: 353,000 New Jobs Created](https://landconexa.com/january-2024-sees-surge-353000-new-jobs-created/) - New job growth for January 2024 came in at a very robust 353,000. The economy continues to produce jobs at a level that is in the upper range desired by the Federal Reserve in its ongoing fight against inflation. New job growth for January 2024 came in at 353,000, compared to the prior month's 216,000. - [LANDCO Eyes Asia](https://landconexa.com/landco-eyes-asia-2/) - China, for all of its wealth creation, continues to seek US investment alternatives. On our recent visit, manufacturers, business people, and family offices affirmed that the US, Latin America, and Africa are popular investment destinations. The US offers unique additional benefits to the Chinese in that The But Was My Looks. immigration hurdles can be - [Cyprus, the Cost of Doing Business, and Austerity: Why LANDCO Shorts Real Estate](https://landconexa.com/cyprus-the-cost-of-doing-business-and-austerity-why-landco-shorts-real-estate/) - In this analysis, LANDCO Principal David Rosenbaum examines the role of austerity in our current economic climate. - [Capital Raise: More Art than Science](https://landconexa.com/capital-raise-more-art-than-science/) - Square peg for a square hole, couldn’t be a more applicable metaphor for today’s real estate business. Businesses are quickly made and broken by their capital structures more so than ever in momentous cycle changes. This now more than ever applies to the changing nature of investor expectations, real estate assets and their unique requirements. - [The LANDCO View On "Opportunities In Distress"](https://landconexa.com/the-landco-view-on-opportunities-in-distress/) - The CRE Financial Council's Distress Debt Summit, held in Santa Monica on May 9th and 10th, was well worth attending. What follows are a few conference topics and what we felt were views sharing significant consensus or opposition. We hope you will find this as interesting as we did. - [Fishing for Capital](https://landconexa.com/fishing-for-capital/) - Fishing is a sportsman's experience that brings many benefits even if the catching is minimal or altogether non-existant. A successful fishing trip can be sighting a rare species of wildlife or a day spent with a 10-year-old son. Capital raising, unlike fishing, does not bring collateral benefits and is generally considered a failure without funding. It can be a very expensive and discouraging experience. The benefit of capital raising is only one-funding. - [2+2=4, But So Do a Lot of Things](https://landconexa.com/2-plus-2-is-4-but-so-are-a-lot-of-things/) - In this Situation Analysis, LANDCO Principal David Rosenbaum examines how, in the tree of knowledge, economics does not branch from mathematics, but from politics and why we can be too easily dazzled by the numbers. - [Commercial Real Estate/High Net Worth Investment Conference: Key Takeaways](https://landconexa.com/commercial-real-estatehigh-net-worth-investment-conference-key-takeaways/) - On Thursday, June 27th, LANDCO sent a small delegation to the National Real Estate Investor’s Commercial Real Estate/High Net Worth Investment Conference in New York City. Read the key "takeaway" points, from our point of view. - [The Elements That Make Up the Economic Seasons](https://landconexa.com/summertime/) - We are all familiar with Porgy and Bess classic Summertime line, “When the fish are jumpin'...” that can bring back memories of the Old South or at least remind us of an era gone by. As summer ambles, with too many back to school television advertisements already, I wonder where the time has gone. - [Fannie, Freddie and U.S. Housing Finance Reform](https://landconexa.com/fannie-freddie-and-u-s-housing-finance-reform/) - On August 7, President Obama suggested that Fannie Mae and Freddie Mac should go out of business, as he called for “a return of private capital, [to] put the risk and rewards associated with mortgage lending in the hands of private actors, not the taxpayers.” - [Banking and Shadow Banking](https://landconexa.com/banking-and-shadow-banking/) - Words… what do they really mean? What is banking? What does a bank do, or what is it that a bank is supposed to do? I’m 53 and in my lifetime, I’ve witnessed a complete change in the banking system in the U.S. - [The Knudson File: Mortgage Rate Decreased 9 Bases Points for Week Ending March 10th, 2022](https://landconexa.com/the-knudson-file-mortgage-rate-decreased-9-bases-points-for-week-ending-march-10th-2022/) - Mortgage rates decreased 9 bps this past week to 4.05%. While 4.00% is not a major price point, it will start catching the public's attention. For a $100,000 loan the monthly payment increased by $5 to $480 which is equal to $0.17 a day. Rates were below 3.00% for 14 weeks and it appears these - [Feds Raise Mortgage Rates Again](https://landconexa.com/2286-2/) - For the week ending March 31, 2022, mortgage rates increased 25 bps to 4.87%. In the prior 3 weeks rates have increased by 80 bps. The market is reacting to the Fed’s strong statement coming from The Federal Open Market Committee (FOMC) meeting which was held on March 16th, 2022. For a $100,000 loan, the - [Mortgage Rates up an Additional 5 bps to 4.92%](https://landconexa.com/the-knudson-file-mortgage-rates-up-an-additional-5-bps-to-4-92/) - After a VERY UNUSUAL bout of 3 weeks of consecutive rate increases of 25+bps, mortgage rates increased 5 bps this past week ending 4.7.22 and now stand at 4.92%. (a review of mortgage rates since 1971 reveals a less than 1% chance of a series of increases of this size) The benchmark US 10 Year Treasury rate - [Mortgage Rates Rise to 5.50%](https://landconexa.com/the-knudson-file-mortgage-rates-at-5-50/) - Mortgage rates have increased 20 bps while 10 Year US Treasuries have also increased by 20 bps, thus the spread remained at 245 bps. As predicted, at the May 4th Federal Reserve meeting, the Fed’s increased the Fed Funds rate by 50 bps. 30 Year Mortgage Rates MORTGAGE RATES ARE NOW WELL ABOVE 5.00% with - [Mortgage Rates Increased 3 BPS to 5.53%](https://landconexa.com/the-knudson-file-mortgage-rates-increased-3-bps-to-5-53/) - A 3-bps increase is a $2 a month payment increase for a $100,000 loan. That is a $0.06 (six cents) a day increase. Rates are virtually unchanged. - [Mortgage Rates Decreased 5 BPS to 5.48%](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-5-bps-to-5-48/) - Mortgage rates decreased 5 basis points while 10 Year US Treasuries had NO Change, thus spread decreased by 5bp to 264bp or 96bp ABOVE the 168bp average. 30 Year Mortgage Rates For the week ending 5.19.22 Mortgage rates barely decreased 5bp to 5.48%. For a $100,000 loan, the monthly payment decreased by $3 to $566 which - [Alert - Mortgage Rates to Break 6.00%](https://landconexa.com/the-knudson-file-alert-mortgage-rates-to-break-6-00/) - 10 Year US Treasury rates are up 39 basis points. This will cause mortgage rates to exceed 6.00% in the next 10 days. In addition, 1-year US Treasuries are up 54 bps. This is HUGE and will impact shorter-term financing such as cars, boats, and RVs. 2022 Yield Curve Changes If you are involved with Commercial Real Estate, - [Will Mortgage Rates Continue To Rise?](https://landconexa.com/the-knudson-file-will-mortgage-rates-continue-to-rise/) - Mortgage rates remained at 6.01% for the week ending June 23rd, 2022, while 10 Year US Treasuries DECREASED by19 basis points, thus the spread increased by 19 bps to 292 bps or 124 bps ABOVE the 168-bps average. So, for a $100,000 loan, the monthly payment would be $600 which is equal to $20 a day. - [Mortgage Rates Decreased to 5.93%. Are Rates Stabilizing?](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-to-5-93-are-rates-stabilizing/) - For the week ending 6.30.22 Mortgage rates decreased 8 bps to 5.93%. For a $100,000 loan, the monthly payment decreased by $6 to $595 which is equal to around $20 a day. 30 Year Mortgage Rates The historic spread (aka difference) between the 10 Year Treasury rates and mortgage rates is 168 bps (as indicated - [Mortgage Rates Continue to Decrease](https://landconexa.com/the-knudson-file-mortgage-rates-continue-to-decrease/) - For the week ending 7.7.22 Mortgage rates decreased 43 bps to 5.50%. For a $100,000 loan the monthly payment decreased $27 to $568/mo. or $19/day. 30 Year Mortgage Rates While mortgage rates decreased, 10 Year Treasury rates Increased 3 bps. This caused the net spread to decrease 46 bps to 81bp ABOVE the normal spread - [Mortgage Rates Rise But Will Anyone Feel The Effects?](https://landconexa.com/the-knudson-file-mortgage-rates-rise-but-will-anyone-feel-the-effects/) - Mortgage Rates Today Mortgage rates increased 3 basis points this week to 5.74% down from a high of 6.01% in June 2022. To put this increase into perspective, for a $100,000 loan, the monthly payment would increase $2, from $581/mo. to $583/mo. or just $0.06/day. That’s cheaper than the average cost of a Starbuck's drink. - [Mortgage Rates Decrease to 5.50%](https://landconexa.com/the-knudson-file-mortgage-rates-decreased-5-50/) - For the week ending 7.28.22 Mortgage rates decreased 24bp to 5.50%. For a $100,000 loan the monthly payment decreased $15 to $583/mo. or $0.50/day. 30-Year Mortgage Rates While mortgage rates decreased 24bp, 10 Year Treasury rates decreased 23bp causing a 1bp decrease in the spread to 282bp. With the historical spread being 168 there now - [Mortgage Rates Lower to 5.19%](https://landconexa.com/the-knudson-file-mortgage-rates-lower-to-5-19/) - Mortgage rates decreased 31 basis points to 5.19%. For a $100,000 loan, the monthly payment decreased $19 per month to $548/mo. or $0.64/day. That is a significant savings. While the mortgage rates decreased 31 bp, 10 Year Treasury rates did not change. The 31 bp decrease resulted in a spread of 251 bp. With the - [Mortgage Rates Up Slightly to 5.40%](https://landconexa.com/mortgage-rates-up-slightly-to-5-40/) - Mortgage rates INCREASE 21 basis points to 5.40%. For a $100,000 loan, the monthly payment INCREASED by $13 to $561/mo. or $0.42/day. 30-Year Mortgage Rates While mortgage rates INCREASED 21bp, 10 Year Treasury rates INCREASED 19bp. The net difference is a 2bp increase in a spread of 253bp. With the historical spread being 168 there - [Good News! Mortgage Rates Decrease to 5.33%](https://landconexa.com/good-news-mortgage-rates-decrease-to-5-33/) - Mortgage rates DECREASE 7 bps to 5.33% for the week ending August 18th, 2022. For a $100,000 loan, the monthly payment DECREASED by $4 to $557/mo. or $0.13/day. 30-Year Mortgage Rates While mortgage rates DECREASED by 7 bps, 10 Year Treasury rates INCREASED by 11 bps. The net difference is an 8-bps increase in a - [Mortgage Rates Increase to 5.75% - Where is The Tread Headed?](https://landconexa.com/mortgage-rates-increase-to-5-75-where-is-the-tread-headed/) - Mortgage rates INCREASE 42 bps to 5.75% for the week ending August 25th, 2022. For a $100,000 loan, the monthly payment INCREASED $26 to $584/mo. or $0.88/day. 30-Year Mortgage Rates While mortgage rates INCREASED by 42 bps, 10 Year Treasury rates INCREASED by 16 bps. The net difference is a 27-bps increase in a spread - [Mortgage Rates Up Slightly - What is the Fed's Next Move?](https://landconexa.com/mortgage-rates-up-slightly-what-is-the-feds-next-move/) - Mortgage rates INCREASE 21 bp to 6.07% for the week ending September 8th, 2022. For a $100,000 loan, the monthly payment INCREASED from $13 to $604/mo. or $0.44/day. 30-Year Mortgage Rates While mortgage rates INCREASED by 21 bps, 10 Year Treasury rates INCREASED by 3 bps. The net difference is an 18-bps increase in a - [Mortgage Rates Now Headed to 7.0%](https://landconexa.com/mortgage-rates-now-headed-to-7-0/) - Existing Homes Sales continue to decline (see blue line) due to rising mortgage rates, higher home prices (although prices have declined slightly), and relatively few homes for sale. August's sales are the closing of homes that went under contract in June/July when mortgage rates were 5.35%. Mortgage rates are now headed to 7.00% as of late Sept/early - [Mortgage Rates Down Slightly After Last Month's Increase](https://landconexa.com/mortgage-rates-down-slightly-after-last-months-increase-rates-2/) - Mortgage rates have decreased by 6 basis points to 6.86% for the week ending October 6th, 2022. To simplify, for a $100,000 loan, the monthly payment DECREASED by $4 to $656/mo. or $0.14/day. WEEKLY Mortgage rates are available each THURSDAY. Rates have been increasing as the Fed ramps up its efforts to address inflation concerns. - [Mortgage Rates up Over 7%](https://landconexa.com/mortgage-rates-up-over-7/) - For the week ending 10.20.22 Mortgage rates INCREASE 5bp to 7.17%. For a $100,000 loan, the monthly payment INCREASED from $3 to $676/mo. or $0.10/day. Lending Rates and Borrowing Costs While mortgage rates INCREASED 5bp, 10 Year Treasury rates INCREASED 27bp. The net difference is a 22bp decrease in a spread of 293bp. With the - [Mortgage Rates Increased 12bp to 7.28%](https://landconexa.com/mortgage-rates-increase-12bp-to-7-28/) - Mortgage rates increased from 7.17% to 7.28% on 10.27.22 Spread of Mortgage to 10 Year Treasury is now 332bp which is 164bp ABOVE the normal historical spread of 168bp. Either Treasuries will increase or Mortgage rates will decrease in the upcoming week. Fed meets Nov 2. 30 Year Mortgage Rates Lending Rates and Borrowing Costs - [Existing Home Market for Month Ended: October 2022](https://landconexa.com/existing-home-market-for-month-ended-october-2022/) - The number of EXISTING home sales continue to decrease as both home prices and mortgage rates increased but there is also due to a very low inventory of homes for sale. The home sales spike during COVID and record low mortgage rates brought forward demand. Those buyers have purchased a home and have reduced current - [Mortgage Rates Decreased 4bp to 6.50% as of 12/21/22](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-50-as-of-12-21-22-10-year-treasury-increased-4bp-spread-up-2bp-to-310p/) - For the week ending 12.21.22 Mortgage rates DECREASED 4bp to 6.50%. For a $100,000 loan the monthly payment DECREASED $3 to $632/mo or $.09/day. Lending Rates and Borrowing Costs While mortgage rates DECREASED 4bp, 10 Year Treasury rates INCREASED 24bp. The net difference is a 28bp decrease in a spread of 310bp. With the historical - [Mortgage Rates Decreased 4bp to 6.36% as of 2/2/23](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-36-as-of-2-2-23/) - For the week ending 2.2.23 Mortgage rates DECREASED 4bp to 6.32%. For a $100,000 loan the monthly payment DECREASED $3 to $620/mo or $.09/day. While mortgage rates DECREASED 4bp, 10 Year Treasury rates DECREASED 9bp. The net difference resulted in an increase of 5bp in the spread to 292bp. With the historical spread being 168 - [Mortgage Rates Increased 15bp to 6.88% as of 3/2/23](https://landconexa.com/mortgage-rates-increased-15bp-to-6-88-as-of-3-2-23/) - For the week ending 3.2.23 Mortgage rates INCREASED 15bp to 6.88%. For a $100,000 loan the monthly payment INCREASED $10 to $657/mo or $.33/day. While mortgage rates INCREASED 15bp, 10 Year Treasury rates INCREASED 20bp. The net difference resulted in a decrease of 5bp in the spread to 280bp. With the historical spread being 168 - [Mortgage Rates Decreased 13bp to 6.83% as of 3/16/23](https://landconexa.com/mortgage-rates-decreased-13bp-to-6-83-as-of-3-16-23/) - For the week ending 3.16.23, mortgage rates decreased by 13bp to 6.83%. For a $100,000 loan, the monthly payment decreased by $9 to $654/month or $0.29/day. While mortgage rates decreased by 13bp, 10-year Treasury rates decreased by 37bp. The net difference resulted in an increase of 24bp in the spread, to 327bp. With the historical - [Mortgage Rates Decreased 10bp to 6.55% as of 3/23/23](https://landconexa.com/mortgage-rates-decreased-10bp-to-6-55-as-of-3-23-30/) - For the week ending 3.30.23, mortgage rates decreased 10bp to 6.55%. For a $100,000 loan, the monthly payment decreased by $7 to $635 per month or $0.22 per day. While mortgage rates decreased by 10bp, 10-year Treasury rates increased by 17bp. The net difference resulted in a decrease of 27bp in the spread to 300bp. - [Mortgage Rates Decreased 4bp to 6.51% as of 4/6/23](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-51-as-of-4-6-30/) - For the week ending 4/6/23, mortgage rates decreased by 4 bp to 6.51%. For a $100,000 loan, the monthly payment decreased by $3 to $632/month or $0.09/day. Mortgage rates decreased by 4bp and 10-Year Treasury rates decreased by 25bp. The net difference resulted in an increase of 21bp in the spread to 321bp. With the - [Mortgage Rates Decreased 1bp to 6.50% for the Week Ending 4/13/23](https://landconexa.com/mortgage-rates-decreased-1-basis-point-to-6-50-for-the-week-ending-4-13-30/) - For the week ending 4.13.23, mortgage rates decreased 1bp to 6.50%. For a $100,000 loan, the monthly payment decreased by $1 to $632/month or $0.02/day. Mortgage rates decreased 1bp, and 10-year Treasury rates increased 15bp. The net difference resulted in a decrease of 16bp in the spread to 305bp. With the historical spread being 168, - [Mortgage rates increased 12bp to 6.62% for the week ending 4/20/23](https://landconexa.com/mortgage-rates-increased-12-basis-points-to-6-62-for-the-week-ending-4-20-30/) - For the week ending 4/20/23, mortgage rates increased 12bp to 6.62%. For a $100,000 loan, the monthly payment increased $8 to $640/month or $0.26/day. Mortgage rates increased 12bp and 10-year Treasury rates increased 9bp. The net difference resulted in an increase of 3bp in the spread to 308bp. With the historical spread being 168, there - [Mortgage Rates Decreased 4bp to 6.62% for the week ending 5/4/23](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-62-for-the-week-ending-5-4-30/) - For the week ending 5.4.23 Mortgage rates DECREASED 4bp to 6.62%. For a $100,000 loan the monthly payment DECREASED $3 to $640/month or $0.09/day. Mortgage rates decreased 4bp and 10 Year Treasury rates decreased 16bp. The net difference resulted in an increase of 12bp in the spread to 325bp. With the historical spread being 168, - [Mortgage Rates Increased 4bp to 6.62% for the Week Ending 5/18/23](https://landconexa.com/mortgage-rates-increased-4bp-to-6-62-for-the-week-ending-5-18-23/) - For the week ending 5.18.23 Mortgage rates INCREASED 4bp to 6.62%. Since the middle of March, mortgage rates have been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment INCREASED $3 to $640/mo or $0.09/day. While mortgage rates increased 4bp and 10 Year - [Mortgage Rates Increased 18bp to 6.80% for the Week Ending 5/25/23](https://landconexa.com/mortgage-rates-increased-18bp-to-6-80-for-the-week-ending-5-25-23/) - For the week ending 5.25.23 Mortgage rates increased 418bp to 680%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment increased $12 to $652/mo or $0.40/day. While mortgage rates increased 18bp and 10 Year - [Mortgage Rates Increased 22bp to 7.02% for the Week Ending 6/1/23](https://landconexa.com/mortgage-rates-increased-22bp-to-7-02-for-the-week-ending-6-1-23/) - For the week ending 6.1.23 Mortgage rates increased 22bp to 7.02%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment INCREASED $15 to $666/mo or $0.49/day. The historic spread between the 10 Year Treasury - [Mortgage Rates Decreased 8bp to 6.94% for the Week Ending 6/8/23](https://landconexa.com/mortgage-rates-decreased-8bp-to-6-94-for-the-week-ending-6-8-23/) - For the week ending 6.8.23 Mortgage rates decreased 8bp to 6.94%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment decreased $5 to $661/mo or $0.18/day. Mortgage rates decreased 8bp and 10 Year Treasury - [Mortgage Rates Decreased 2bp to 6.92% for the Week Ending 6/15/23](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-92-for-the-week-ending-6-15-23/) - For the week ending 6.15.23 Mortgage rates decreased 2bp to 6.92%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment decreased $2 to $660/mo or $0.04/day. Mortgage rates decreased 2bp and 10 Year Treasury - [Mortgage Rates Decreased 2bp to 6.92% for the Week Ending 6/22/23](https://landconexa.com/mortgage-rates-decreased-2bp-to-6-92-for-the-week-ending-6-22-23/) - For the week ending 6/22/23 Mortgage rates decreased 2bp to 6.90%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment decreased $1 to $658/mo or $0.04/day. Mortgage rates DECREASED 2bp while the 10 Year - [Mortgage Rates Increased 4bp to 6.94% for the Week Ending 6/29/23](https://landconexa.com/mortgage-rates-increased-4bp-to-6-94-for-the-week-ending-6-29-23/) - For the week ending 6.29.23 Mortgage rates increased 4bp to 6.94%. Since the middle of March, mortgage rates had been in a tight range between 6.50% to 6.65%. SVB bank went under March 10. For a $100,000 loan the monthly payment increased $4 to $661/mo or $0.09/day. Mortgage rates increased 4bp and 10 Year Treasury - [Mortgage Rates Increased 10bp to 7.04% for the Week Ending 7/6/23](https://landconexa.com/mortgage-rates-increased-10bp-to-7-04-for-the-week-ending-7-6-23/) - For the week ending 7/6/23 Mortgage rates increased 10bp to 7.04%. At the beginning of June, rates were 7.02% and by July 4 they were 7.04% virtually no change. For a $100,000 loan the monthly payment increased $7 to $668/mo or $0.22/day. Mortgage rates increased 10bp and 10 Year Treasury rates increased 20bp for the - [Mortgage Rates Increased 15bp to 7.19% for the Week Ending 7/13/23](https://landconexa.com/mortgage-rates-increased-15bp-to-7-19-for-the-week-ending-7-13-23/) - For the week ending 7.13.23 Mortgage rates increased 15bp to 7.19%.For a $100,000 loan the monthly payment increased $10 to $678/mo or $0.34/day. Mortgage rates increased 15bp and 10 Year Treasury rates decreased 29bp for the week ended 7.13.23. The net difference resulted in a 44bp increase in the spread to 343bp. With the historical - [Mortgage Rates Decreased 18bp to 7.01% for the Week Ending 7/20/23](https://landconexa.com/mortgage-rates-decreased-18bp-to-7-01-for-the-week-ending-7-20-23/) - For the week ending 7.20.23 Mortgage rates decreased 18bp to 7.01%. For a $100,000 loan the monthly payment decreased $12 to $666/mo or $0.40/day. Mortgage rates decreased 18bp and 10 Year Treasury rates increased 9bp for the week ended 7.20.23. The net difference resulted in a 27bp decrease in the spread to 316bp. With the - [Mortgage Rates Increased 3bp to 7.04% for the Week Ending 7/27/23](https://landconexa.com/mortgage-rates-increased-3bp-to-7-04-for-the-week-ending-7-27-23/) - For the week ending 7.27.23 Mortgage rates increased 3bp to 7.04%. For a $100,000 loan the monthly payment increased $2 to $668/mo or $0.07/day. Mortgage rates increased 3bp and 10 Year Treasury rates increased 16bp for the week ended 7.27.23. The net difference resulted in a 13bp decrease in the spread to 303bp. With the - [Mortgage Rates Increased 9bp to 7.13% for the Week Ending 8/3/23](https://landconexa.com/mortgage-rates-increased-9bp-to-7-13-for-the-week-ending-8-3-23/) - For the week ending 8.3.23 Mortgage rates increased 9bp to 7.13%. For a $100,000 loan the monthly payment increased $6 to $674/mo or $0.20/day. Mortgage rates increased 9bp and 10 Year Treasury rates increased 19bp for the week ended 8.3.23. The net difference resulted in a 10bp decrease in the spread to 293bp. With the - [Mortgage Rates Rise by 13bp to 7.32% for the Week Ending 8/17/23](https://landconexa.com/mortgage-rates-rise-by-13bp-to-7-32-for-the-week-ending-8-17-23/) - For the week ending 8.17.23, mortgage rates increased by 13bp to 7.32%. For a $100,000 loan, the monthly payment increased by $9 to $687 per month or $0.29 per day. Mortgage rates increased by 13bp, and simultaneously, the 10-Year Treasury rates rose by 21bp for the week ending 8/17/23. The net difference led to an - [Mortgage Rates Increased 14bp to 7.46% for the Week Ending 8/24/23](https://landconexa.com/mortgage-rates-increased-14bp-to-7-46-for-the-week-ending-8-24-23/) - For the week ending on 8/24/23, mortgage rates increased by 14 basis points to 7.46%. For a $100,000 loan, the monthly payment increased by $10 to $696 per month or $0.32 per day. Mortgage rates increased by 14 basis points, while the 10 Year Treasury rates decreased by 7 basis points for the week ending - [Mortgage Rates Decreased by 5bp to 7.41% for the Week Ending 8/31/23](https://landconexa.com/mortgage-rates-decreased-by-5bp-to-7-41-for-the-week-ending-8-31-23/) - For the week ending 8/31/23, mortgage rates decreased by 5 basis points to 7.41%. For a $100,000 loan, the monthly payment decreased by $3 to $693 per month or $0.11 per day. Mortgage rates decreased by 5 basis points, while the 10-year Treasury rates decreased by 14 basis points for the week ending 8/31/23. The - [Mortgage Rates Decreased by 6bp to 7.35% for the Week Ending 9/7/23](https://landconexa.com/mortgage-rates-decreased-by-6bp-to-7-35-for-the-week-ending-9-7-23/) - For the week ending 9/07/23, mortgage rates decreased by 6 basis points to 7.35%. For a $100,000 loan, the monthly payment decreased by $4 to $689 per month or $0.14 per day. Mortgage rates decreased by 6 basis points, while the 10-year Treasury rates increased by 18 basis points for the week ending 9/7/23. The - [Mortgage Rates Increased 6bp to 7.41% for the Week Ending 9/14/23](https://landconexa.com/mortgage-rates-increased-6bp-to-7-41-for-the-week-ending-9-14-23/) - For the week ending 9.14.23, mortgage rates increased by 6 bp to 7.41%. For a $100,000 loan, the monthly payment increased by $4 to $693 per month or $0.14 per day. Mortgage rates increased by 6 bp, while the 10-Year Treasury rates increased by 2 bp for the week ending 9.14.23. The net difference resulted - [Mortgage Rates Increased by 1bp to 7.42% for the Week Ending 9/1/23](https://landconexa.com/mortgage-rates-increased-by-1bp-to-7-42-for-the-week-ending-9-1-23/) - For the week ending 9.21.23, mortgage rates increased by 1bp to 7.42%. For a $100,000 loan, the monthly payment INCREASED by $1 to $694 or $0.2 per day. Mortgage rates increased 1bp while the 10 Year Treasury rates increased 20bp for the week ended 9.21.23. The net difference resulted in a 19bp decrease in the - [Mortgage Rates Increased 10bp to 7.52% for the Week Ending 9/28/23](https://landconexa.com/mortgage-rates-increased-10bp-to-7-52-for-the-week-ending-9-28-23/) - For the week ending 9.28.23, mortgage rates increased by 12bp to 7.54%. For a $100,000 loan, the monthly payment increased by $8 to $702 per month or $0.27 per day. Mortgage rates increased 12bp while the 10-Year Treasury rates increased 10bp for the week ending 9/28/23. The net difference resulted in a 2bp increase in - [Mortgage Rates Increased 18bp to 7.72% for the Week Ending 10/5/23](https://landconexa.com/mortgage-rates-increased-18bp-to-7-72-for-the-week-ending-10-5-23/) - For the week ending 10.5.23, mortgage rates increased by 18bp to 7.72%. For a $100,000 loan, the monthly payment increased by $12 to $714 per month or $0.41 per day. Mortgage rates increased 18bp while the 10-Year Treasury rates increased 15bp for the week ended 10.5.23. The net difference resulted in a 5bp increase in - [Mortgage Rates Increased 8bp to 7.80% for the Week Ending 10/12/23](https://landconexa.com/mortgage-rates-increased-8bp-to-7-80-for-the-week-ending-10-12-23/) - For the week ending 10.12.23, mortgage rates increased 8bp to 7.80%. For a $100,000 loan, the monthly payment increased $6 to $720/mo or $0.18/day. Mortgage rates increased 8bp, while the 10-Year Treasury rates decreased 2bp for the week ending 10.12.23. The net difference resulted in a 5bp increase in the spread to 310bp. With the - [Mortgage Rates Increased 6bp to 7.86% for the Week Ending 10.18.23](https://landconexa.com/mortgage-rates-increased-6bp-to-7-86-for-the-week-ending-10-18-23/) - For the week ending 10.12.23, mortgage rates increased 6bp to 7.86%. For a $100,000 loan, the monthly payment increased $4 to $724/mo or $0.14/day. Mortgage rates increased 6bp, while the 10-Year Treasury rates increased 28bp for the week ending 10.19.23. The net difference resulted in a 22bp decrease in the spread to 288bp. With the - [Mortgage Rates Increased 16bp to 8.02% for the Week Ending 10.26.23](https://landconexa.com/mortgage-rates-increased-16bp-to-8-02-for-the-week-ending-10-26-23/) - For the week ending 10.12.23, mortgage rates increased 16bp to 8.02%. For a $100,000 loan, the monthly payment increased $11 to $735/mo or $0.37/day. Mortgage rates increased 6bp, while the 10-Year Treasury rates decreased 12bp for the week ending 10.26.23. The net difference resulted in a 28bp increased in the spread to 316bp. With the - [Mortgage Rates Decreased 3bp to 7.99% for the Week Ending 11/02/23](https://landconexa.com/mortgage-rates-decreased-3bp-to-7-99-for-the-week-ending-11-02-23/) - For the week ending 11.02.2023, mortgage rates decreased 3bp to 8.02%. For a $100,000 loan, the monthly payment decreased $2 to $735/mo or $0.10/day. Mortgage rates decreased 3bp, while the 10-Year Treasury rates decreased 19bp for the week ending 11.02.23. The net difference resulted in a 16bp increased in the spread to 332bp. With the - [Mortgage Rates Decreased 26bp to 7.73% for the week ending 11/09/23](https://landconexa.com/mortgage-rates-decreased-26bp-to-7-73-for-the-week-ending-11-09-23/) - For the week ending 11.09.2023, mortgage rates decreased 26bp to 7.73%. For a $100,000 loan, the monthly payment decreased $18 to $715/mo or $0.60/day. Mortgage rates decreased 26bp, while the 10-Year Treasury rates decreased 5bp for the week ending 11.09.23. The net difference resulted in a 21bp increased in the spread to 311bp. With the - [Mortgage Rates Decreased 6bp to 7.67% for the Week Ending 11/16/23](https://landconexa.com/mortgage-rates-decreased-6bp-to-7-67-for-the-week-ending-11-16-23/) - For the week ending 11.16.2023, mortgage rates decreased 6bp to 7.67%. For a $100,000 loan, the monthly payment decreased $4 to $711/mo or $0.14/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates decreased 17bp for the week ending 11.16.23. The net difference resulted in a 11bp increased in the spread to 322bp. With the - [Mortgage Rates Decreased 15bp to 7.52% for the Week Ending 11/23/23](https://landconexa.com/mortgage-rates-decreased-15bp-to-7-52-for-the-week-ending-11-23-23/) - For the week ending 11.23.2023, mortgage rates decreased 15bp to 7.52%. For a $100,000 loan, the monthly payment decreased $11 to $700/mo or $0.34/day. Mortgage rates decreased 15bp, while the 10-Year Treasury rates increased 2bp for the week ending 11.23.23. The net difference resulted in a 17bp increased in the spread to 305bp. With the - [Mortgage Rates Decreased 7bp to 7.45% for the Week Ending 11/30/23](https://landconexa.com/mortgage-rates-decreased-7bp-to-7-45-for-the-week-ending-11-30-23/) - For the week ending 11.30.2023, mortgage rates decreased 7bp to 7.45%. For a $100,000 loan, the monthly payment decreased $5 to $700/mo or $0.16/day. Mortgage rates decreased 7bp, while the 10-Year Treasury rates decreased 10bp for the week ending 11.30.23. The net difference resulted in a 3bp increased in the spread to 308bp. With the - [Mortgage Rates Decreased 28bp to 6.90% for the Week Ending 12.21.23](https://landconexa.com/mortgage-rates-decreased-28bp-to-6-90-for-the-week-ending-12-21-23/) - For the week ending 12.21.2023, mortgage rates decreased 28bp to 6.90%. For a $100,000 loan, the monthly payment decreased $19 to $658/mo or $0.63/day. Mortgage rates decreased 82bp, while the 10-Year Treasury rates decreased 10bp for the week ending 12.21.23. The net difference resulted in a 25bp increased in the spread to 310bp. With the - [Mortgage Rates Decreased 6bp to 6.61% for the Week Ending 12/28/23](https://landconexa.com/mortgage-rates-decreased-6bp-to-6-61-for-the-week-ending-12-28-23/) - For the week ending 12.28.2023, mortgage rates decreased 6bp to 6.61%. For a $100,000 loan, the monthly payment decreased $4 to $639/mo or $0.13/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates decreased 5bp for the week ending 12.28.23. The net difference resulted in a 1bp decreased in the spread to 277bp. With the - [Mortgage Rates Increased 1bp to 6.62% for the Week Ending 1/4/24](https://landconexa.com/mortgage-rates-increased-1bp-to-6-62-for-the-week-ending-1-4-24/) - For the week ending 01.04.2024, mortgage rates increased 1bp to 6.62%. For a $100,000 loan, the monthly payment increased $1.00 to $640/mo or $0.02/day. Mortgage rates increased 1bp, while the 10-Year Treasury rates increased 15bp for the week ending 01.04.2023. The net difference resulted in a 14bp decrease in the spread to 263bp. With the - [Mortgage Rates Increased 4bp to 6.66% for the Week Ending 1/11/24](https://landconexa.com/mortgage-rates-increased-4bp-to-6-66-for-the-week-ending-1-11-24/) - For the week ending 01.11.2024, mortgage rates increased 4bp to 6.66%. For a $100,000 loan, the monthly payment increased $3.00 to $643/mo or $0.09/day. Mortgage rates increased 4bp, while the 10-Year Treasury rates decreased 1bp for the week ending 01.11.2023. The net difference resulted in a 5bp increased in the spread to 268bp. With the - [Mortgage Rates Decreased 6bp to 6.60% for the Week Ending 1/18/24](https://landconexa.com/mortgage-rates-decreased-6bp-to-6-60-for-the-week-ending-1-18-24/) - For the week ending 01.11.2024, mortgage rates decreased 6bp to 6.60%. For a $100,000 loan, the monthly payment decreased $4.00 to $639/mo or $0.13/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates increased 16bp for the week ending 01.18.2023. The net difference resulted in a 22bp decreased in the spread to 246bp. With the - [Mortgage Rates Increased 9bp to 6.69% for the Week Ending 1/25/24](https://landconexa.com/mortgage-rates-increased-9bp-to-6-69-for-the-week-ending-1-25-24/) - For the week ending 01.25.2024, mortgage rates increased 9bp to 6.69%. For a $100,000 loan, the monthly payment increased $6.00 to $645/mo or $0.20/day. Mortgage rates increased 9bp, while the 10-Year Treasury rates increased 16bp for the week ending 01.25.2023. The net difference resulted in a 9bp decreased in the spread to 255bp. With the - [Mortgage Rates Decreased 6bp to 6.63% for the Week Ending 2/1/24](https://landconexa.com/mortgage-rates-decreased-6bp-to-6-63-for-the-week-ending-2-1-24/) - For the week ending 2.01.2024, mortgage rates decreased 6bp to 6.63%. For a $100,000 loan, the monthly payment decreased $4.00 to $645/mo or $0.13/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates decreased 27bp for the week ending 02.01.2024. The net difference resulted in a 21bp increased in the spread to 276bp. With the - [Mortgage Rates Increased 1bp to 6.64% for the Week Ending 02/08/24](https://landconexa.com/mortgage-rates-increased-1bp-to-6-64-for-the-week-ending-02-08-24/) - For the week ending 2/08/2024, mortgage rates increased 1bp to 6.64%. For a $100,000 loan, the monthly payment increased $1.00 to $645/mo or $0.02/day. Mortgage rates increase 1bp, while the 10-Year Treasury rates increased 28bp for the week ending 02/08/2024. The net difference resulted in a 27bp decreased in the spread to 249bp. With the - [Mortgage Rates Increased 13bp to 6.90% for the Week Ending 2/22/24](https://landconexa.com/mortgage-rates-increased-13bp-to-6-90-for-the-week-ending-2-22-24/) - For the week ending 2/22/2024, mortgage rates increased 13bp to 6.90%. For a $100,000 loan, the monthly payment increased $9.00 to $659/mo or $0.29/day. Mortgage rates increase 13bp, while the 10-Year Treasury rates increased 9bp for the week ending 02/22/2024. The net difference resulted in a 4bp decreased in the spread to 257bp. With the - [Mortgage Rates Increased 4bp to 6.94% for the Week Ending 2/29/24](https://landconexa.com/mortgage-rates-increased-4bp-to-6-94-for-the-week-ending-2-29-24/) - For the week ending 2/29/2024, mortgage rates increased 4bp to 6.94%. For a $100,000 loan, the monthly payment increased $3.00 to $661/mo or $0.09/day. Mortgage rates increase 4bp, while the 10-Year Treasury rates decreased 8bp for the week ending 02/29/2024. The net difference resulted in a 12bp increased in the spread to 269bp. With the - [Mortgage Rates Decreased 6bp to 6.88% for the Week Ending 3/7/24](https://landconexa.com/mortgage-rates-decreased-6bp-to-6-88-for-the-week-ending-3-7-24/) - For the week ending 3/7/2024, mortgage rates decreased 6bp to 6.88%. For a $100,000 loan, the monthly payment decreased $4.00 to $657/mo or $0.13/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates decreased 16bp for the week ending 03/7/2024. The net difference resulted in a 10bp increased in the spread to 279bp. With the - [Mortgage Rates Decreased 14bp to 6.74% for the Week Ending 3/14/24](https://landconexa.com/mortgage-rates-decreased-14bp-to-6-74-for-the-week-ending-3-14-24/) - For the week ending 3/14/2024, mortgage rates decreased 14bp to 6.74%. For a $100,000 loan, the monthly payment decreased $9.00 to $657/mo or $0.31/day. Mortgage rates decreased 14bp, while the 10-Year Treasury rates increased 20bp for the week ending 03/14/2024. The net difference resulted in a 34bp increased in the spread to 245bp. With the - [Mortgage Rates Increased 13bp to 6.87% for the Week Ending 3/21/24](https://landconexa.com/mortgage-rates-increased-13bp-to-6-87-for-the-week-ending-3-21-24/) - For the week ending 3/21/2024, mortgage rates increased 13bp to 6.87%. For a $100,000 loan, the monthly payment increased $9.00 to $657/mo or $0.29/day. Mortgage rates increased 13bp, while the 10-Year Treasury rates decreased 2bp for the week ending 03/21/2024. The net difference resulted in a 15bp increased in the spread to 250bp. With the - [Mortgage Rates Decreased 8bp to 6.79% for the Week Ending 3/28/24](https://landconexa.com/mortgage-rates-decreased-8bp-to-6-79-for-the-week-ending-3-28-24/) - For the week ending 3/28/2024, mortgage rates decreased 8bp to 6.79%. For a $100,000 loan, the monthly payment decreased $5.00 to $651/mo or $0.18/day. Mortgage rates decreased 8bp, while the 10-Year Treasury rates decreased 7bp for the week ending 03/28/2024. The net difference resulted in a 1bp increased in the spread to 249bp. With the - [Mortgage Rates Increased 3bp to 6.82% for the Week Ending 4/4/24](https://landconexa.com/mortgage-rates-increased-3bp-to-6-82-for-the-week-ending-4-4-24/) - For the week ending 04/04/2024, mortgage rates increased 3bp to 6.82%. For a $100,000 loan, the monthly payment increased $2.00 to $653/mo or $0.07/day. Mortgage rates increased 3bp, while the 10-Year Treasury rates increased 11bp for the week ending 04/04/2024. The net difference resulted in a 8bp decreased in the spread to 251bp. With the - [Mortgage Rates Increased 6bp to 6.88% for the Week Ending 4/11/24](https://landconexa.com/mortgage-rates-increased-6bp-to-6-88-for-the-week-ending-4-11-24/) - For the week ending 04/11/2024, mortgage rates increased 6bp to 6.88%. For a $100,000 loan, the monthly payment increased $4.00 to $657/mo or $0.13/day. Mortgage rates increased 6bp, while the 10-Year Treasury rates increased 25bp for the week ending 04/11/2024. The net difference resulted in a 19bp decreased in the spread to 232bp. With the - [Mortgage Rates Increased 22bp to 7.10% for the Week Ending 4/18/24](https://landconexa.com/mortgage-rates-increased-22bp-to-7-10-for-the-week-ending-4-18-24/) - For the week ending 04/18/2024, mortgage rates increased 22bp to 7.10%. For a $100,000 loan, the monthly payment increased $15.00 to $672/mo or $0.49/day. Mortgage rates increased 22bp, while the 10-Year Treasury rates increased 8bp for the week ending 04/18/2024. The net difference resulted in a 14bp increased in the spread to 256bp. With the - [Mortgage Rates Increased 7bp to 7.17% for the Week Ending 4/25/24](https://landconexa.com/mortgage-rates-increased-7bp-to-7-17-for-the-week-ending-4-25-24/) - For the week ending 04/25/2024, mortgage rates increased 7bp to 7.17%. For a $100,000 loan, the monthly payment increased $5.00 to $677/mo or $0.16/day. Mortgage rates increased 7bp, while the 10-Year Treasury rates increased 6bp for the week ending 04/25/2024. The net difference resulted in a 1bp increased in the spread to 247bp. With the - [Mortgage Rates Increased 5bp to 7.22% for the Week Ending 5/2/24](https://landconexa.com/mortgage-rates-increased-5bp-to-7-22-for-the-week-ending-5-2-24/) - For the week ending 05/02/2024, mortgage rates increased 5bp to 7.22%. For a $100,000 loan, the monthly payment increased $3.00 to $680/mo or $0.11/day. Mortgage rates increased 5bp, while the 10-Year Treasury rates decreased 12bp for the week ending 05/02/2024. The net difference resulted in a 17bp increased in the spread to 264bp. With the - [Mortgage Rates Decreased 13bp to 7.09% for the Week Ending 5/09/24](https://landconexa.com/mortgage-rates-decreased-13bp-to-7-09-for-the-week-ending-5-9-24/) - For the week ending 05/09/2024, mortgage rates decreased 13bp to 7.09%. For a $100,000 loan, the monthly payment decreased $9.00 to $671/mo or $0.29/day. Mortgage rates decreased 13bp, while the 10-Year Treasury rates decreased 12bp for the week ending 05/09/2024. The net difference resulted in a 0bp change in the spread to 264bp. With the - [Mortgage Rates Decreased 8bp to 6.94% for the Week Ending 5/23/24](https://landconexa.com/mortgage-rates-decreased-8bp-to-6-94-for-the-week-ending-5-23-24/) - For the week ending 05/23/2024, mortgage rates decreased 8bp to 6.94%. For a $100,000 loan, the monthly payment decreased $5.00 to $661/mo or $0.18/day. Mortgage rates decreased 8bp, while the 10-Year Treasury rates increased 9bp for the week ending 05/23/2024. The net difference resulted in a 17bp decreased in the spread to 247bp. With the - [Mortgage Rates Decreased 4bp to 6.99% for the Week Ending 6/6/24](https://landconexa.com/mortgage-rates-decreased-4bp-to-6-99-for-the-week-ending-6-6-24/) - For the week ending 06/06/2024, mortgage rates decreased 4bp to 6.99%. For a $100,000 loan, the monthly payment decreased $3.00 to $665/mo or $0.09/day. Mortgage rates decreased 4bp, while the 10-Year Treasury rates decreased 27bp for the week ending 06/06/2024. The net difference resulted in a 23bp increased in the spread to 271bp. With the - [Mortgage Rates Decreased 8bp to 6.87% for the Week Ending 6/20/24](https://landconexa.com/mortgage-rates-decreased-8bp-to-6-87-for-the-week-ending-6-20-24/) - For the week ending 06/20/2024, mortgage rates decreased 8bp to 6.87%. For a $100,000 loan, the monthly payment decreased $5.00 to $657/mo or $0.18/day. Mortgage rates decreased 8bp, while the 10-Year Treasury rates increased 1bp for the week ending 06/20/2024. The net difference resulted in a 9bp decreased in the spread to 262bp. With the - [Mortgage Rates Decreased 1bp to 6.86% for the Week Ending 6/27/24](https://landconexa.com/mortgage-rates-decreased-1bp-to-6-86-for-the-week-ending-6-27-24/) - For the week ending 06/27/2024, mortgage rates decreased 1bp to 6.86%. For a $100,000 loan, the monthly payment decreased $1.00 to $656/mo or $0.02/day. Mortgage rates decreased 1bp, while the 10-Year Treasury rates increased 4bp for the week ending 06/24/2024. The net difference resulted in a 5bp decreased in the spread to 257bp. With the - [Mortgage Rates Increased 9bp to 6.95% for the Week Ending 7/05/2024](https://landconexa.com/mortgage-rates-increased-9bp-to-6-95-for-the-week-ending-7-05-2024/) - For the week ending 07/05/2024, mortgage rates increased 9bp to 6.95%. For a $100,000 loan, the monthly payment increased $6.00 to $662/mo or $0.20/day. Mortgage rates increased 9bp, while the 10-Year Treasury rates decreased 1bp for the week ending 07/05/2024. The net difference resulted in a 10bp increased in the spread to 267bp. With the - [Mortgage Rates Decreased 6bp to 6.89% for the Week Ending 7/11/24](https://landconexa.com/mortgage-rates-decreased-6bp-to-6-89-for-the-week-ending-7-11-24/) - For the week ending 07/11/2024, mortgage rates decreased 6bp to 6.89%. For a $100,000 loan, the monthly payment decreased $4.00 to $658/mo or $0.13/day. Mortgage rates decreased 6bp, while the 10-Year Treasury rates decreased 8bp for the week ending 07/11/2024. The net difference resulted in a 2bp increased in the spread to 269bp. With the - [The Knudson File: Spread 48 BPS Above Historical Average](https://landconexa.com/the-knudson-file-spread-48-bps-above-historical-average/) - For the 7-day period ending March 17th, 2022, the 10-Year Treasury rates increased 22 bps while mortgage rates increased 31 bps. This caused the net spread between the two to increase 9 bps to 48 bps above the normal spread of 168 bps. It appears the mortgage market is positioned for an anticipated additional rate - [10 Year Treasury Rates UP - Yield Curve FLAT For Years 5+](https://landconexa.com/the-knudson-file-10-year-treasury-rates-up-yield-curve-flat-for-years-5/) - On May 4th the Feds increased the Fed Funds rate by 50 bps AND curtailed their Taper Program holdings of mortgage secured investments. This will put upward pressure on longer-term rates such as the 10 Year US Treasuries, hence home mortgage rates as well. 10 Year US Treasury rates increased 20 bps for the week ending May - [10 Year Treasuries DOWN 21 bps - Yield Curve Relatively FLAT 5+ with INVERSION](https://landconexa.com/the-knudson-file-10-year-treasuries-down-21-bps-yield-curve-relatively-flat-5-with-inversion/) - Inflation data for the month of April had some encouraging results. As such the 10 Year US Treasury rates decreased 21bps for the week ending May, 12th 2022. Lending Rates and Borrowing Costs MORTGAGE RATES ARE NOW 5.53% For the 7-day period ending May 12th, 2022. 10- year Treasury rates DECREASED 21 bps while mortgage rates - [10 Year Treasury Rates Unchanged - Mortgage Rates Down 5 BPS](https://landconexa.com/the-knudson-file-10-year-treasury-rates-unchanged-mortgage-rates-down-5-bps/) - 10 Year US Treasury rates remain unchanged for the week ending May 19th, 2022. The short-term yield curve remains steep. Lending Rates and Borrowing Costs MORTGAGE RATES ARE NOW 5.48% For the 7-day period ending 5.19.22, 10 Year Treasury rates remain UNCHANGED while mortgage rates are DOWN 5bp. This caused the net spread to decrease - [How Will Surging Treasury Rates Effect Mortgage Rates?](https://landconexa.com/the-knudson-file-how-will-surging-treasuring-rates-effect-mortgage-rates/) - Mortgage rates increased 17 basis points while the 10 Year US Treasuries INCREASED 12 bps (in the prior week the 10-year Treasury increased 17 bps), thus spread increased by 4 bps to 242 bps or 74 bps ABOVE the 168-bps average. This rise in Treasury rates will place upward pressure on mortgage rates during the upcoming - [Yield Curve Shows Slight Invert](https://landconexa.com/the-knudson-file-slight-invert-of-yield-curve/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14-day cumulative change in rates: 35 bps decrease. RATES ROCKET UP BUT FEATHER DOWN. The blue bars indicate daily changes in rate. It is unusual to have changes of greater than 0.10 in a single day - [Fed's Must Balance Inflation vs Unemployment](https://landconexa.com/the-knudson-file-feds-must-balance-inflation-vs-unemployment/) - The Federal Reserve’s next meeting is THIS Wednesday, July 27th. The debate amongst economists now is how much will the Feds raise rates: 75bp vs 100bp. With the unemployment rate remaining at 3.6%, and the Consumer Price Index (CPI) rising to 9.1%, it all but assures the Fed will raise rates by 75 bps, possibly 100 - [US 10-Year Treasury Rates Decreased 23bp](https://landconexa.com/the-knudson-file-us-10-year-treasury-rates-decreased-23-basis-points/) - 10 Year US Treasury Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14-day cumulative change in rates: 28bp decrease. Note the decreases in rates BEFORE the Fed increased the Fed Funds rate 75bps on July 27 For the blue bars it is unusual to - [What Could the Inverted Yield Curve Indicate?](https://landconexa.com/the-knudson-file-what-could-the-inverted-yield-curve-indicate/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14-day cumulative change in rates: a 23 basis point decrease. For the blue bars, it is unusual to have changes of greater than 0.10 in a single day and 0.20 is VERY unusual. 10 Year Treasury - [Inverted Yield Curve Despite Strong Job Growth](https://landconexa.com/inverted-yield-curve-despite-strong-job-growth/) - Check out the shape of the Yield Curve. While longer-term rates were up more than shorter-term rates this past week, the Yield Curve continues to be inverted despite last Friday's strong Net New Jobs growth which was TWICE the monthly totals that had occurred during 2010-2020. Granted Weekly New Unemployment filings are trending up, the Net New - [The 1-Year Yield Increases to 4.00%](https://landconexa.com/the-1-year-yield-increases-to-4-00/) - The Yield Curve inversion increased as short-term rates increased more than the longer term. NOTE 1-year was up 40bp in ONE WEEK. The 1-year yield is now 4.00% vs 3.48% for the 10 years. The last time the 1 year was this high was OCTOBER 2007. The Fed meets today, Wednesday 9/21/2022. The Fed is likely to increase - [What Will Impact Treasury and Mortgage Rates?](https://landconexa.com/what-will-impact-treasury-and-mortgage-rates/) - This Week’s Data that Could Impact Treasury and Mortgage Rates are monthly updates and Weekly data on Unemployment Claims--Wednesday and Mortgage rates---Thursday. The 10-year Treasury increased by 19 base points on September 26th, 2022, alone. This was followed by a 25 bps decrease on September 28th, 2022. It is believed this decrease was not fully accounted for in the - [US 10 Year Treasury Rates Increased](https://landconexa.com/us-10-year-treasury-rates-increased/) - Daily changes in the US 10 Year Treasury rates are the blue bars while the red line is the 14-day cumulative change in rates: 25bp cumulative INCREASE. For the blue bars, it is unusual to have changes of greater than 0.10 in a single day and 0.20 is VERY unusual. 2022 Recent Yield Curve Changes - [Rates on US Treasuries Rapidly Decline as Banks Fail](https://landconexa.com/bank-failures-and-us-treasury-yield-curve-large-decreases-wednesday-to-friday/) - Sunday--March 12, 2023 joint statement from: Treasury Department Secretary Janet Yellen Federal Reserve Chair Jerome Powell FDIC Chair Martin Gruenberg, who cited a "systemic risk exemption" that is also being applied to all Silicon Valley Bank deposit holders will get their money back. Below is the change in US Treasury yield curve in TWO DAYS: - [US 10-Year Treasury Rates Increased 17bp for the Week Ending 3/30/23](https://landconexa.com/us-10-year-treasury-rates-increased-17bp-for-the-week-ending-3-30-23/) - For the past two weeks, 10-year Treasury rates have been down 1bp. The market is unsettled due to the significant up and down swings in rates. The red line represents the current rates, while the green line represents rates from one week ago. Short-term rates increased by 30bp, while longer-term rates increased by 15bp for - [US 10-Year Treasury Rates Reach Lowest Point of 2023, Decreasing by 25bp in the Week Ending 4/6/23](https://landconexa.com/us-10-year-treasury-rates-reach-lowest-point-of-2023-decreasing-by-25bp-in-the-week-ending-4-6-23/) - For the past two weeks, 10-year Treasury rates have been down by 8bp and down by 25bp in the past week. Market swings have been less pronounced and trending downwards due to concerns about a recession. Red line is most current rates while green line is one week ago. Short term rates decreased 15bp while - [US 10-Year Treasury Rates Increased 15bp for the Week Ending 4/13/23](https://landconexa.com/us-10-year-treasury-rates-increased-15bp-for-the-week-ending-4-13-23-note-the-49bp-drop-in-1-month/) - For the past two weeks, 10-year Treasury rates have been down by 10bp but increased by 15bp in the past week. Market swings have been less pronounced, trending downward due to recession concerns. The red line represents the most current rates, while the green line represents rates from one week ago. The entire yield curve - [US 10-Year Treasury Yield Increased by 9bp for the Week Ending 4/20/23](https://landconexa.com/us-10-year-treasury-yield-increased-by-9bp-for-the-week-ending-april-20th-2023/) - For the past two weeks, the 10-Year Treasury rates have increased by 24bp, with an additional increase of 9bp in the past week. As a result, market swings have been less pronounced. The red line indicates the most current rates, while the green line represents rates from one week ago. The entire yield curve increased - [US 10-Year Treasury Decreased 1bp Week Ending 4/27/23 ](https://landconexa.com/us-10-year-treasury-decreased-1bp-week-ending-4-27-23/) - For the past 2 weeks, 10-year Treasury rates have been up 8bp. In the past week, they went down 1bp. As a result, market swings are less pronounced. The red line represents the most current rates, while the green line represents rates from one week ago. The entire yield curve has changed very little; however, - [US 10 Year Treasury Decreased 2bp Week Ending 5/11/23](https://landconexa.com/us-10-year-treasury-decreased-2bp-week-ending-5-11-23/) - For the past two weeks, the 10 Year Treasury rates have been down 14bp. In the past week, they were down 2bp. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future rate increases would be in a "wait and see mode". The red line represents the current rates, while the - [US 10 Year Treasury Increased 26bp Week Ending 5/18/23](https://landconexa.com/us-10-year-treasury-increased-26bp-week-ending-5-18-23/) - For the past 2 weeks, 10 Year Treasury rates have been up 28bp. In the past week, they were up 26bp. Every day for the past week, rates increased by a modest amount. No major change, an accumulation of small increases. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future - [US 10 Year Treasury Decreased 22bp Week Ending 6/1/23 With 1 Month Rates dropping 65bp](https://landconexa.com/us-10-year-treasury-decreased-22bp-week-ending-6-1-23-with-1-month-rates-dropping-65bp/) - For the past 2 weeks, 10 Year Treasury rates were up 4bp. In the past week, they were down 22bp. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future rate increases would be in a “wait and see mode”. The concerns over the Debt Ceiling were resolved on May 30, - [US 10 Year Treasury Increased 12bp Week Ending 6/8/23](https://landconexa.com/us-10-year-treasury-increased-12bp-week-ending-6-8-23/) - For the past 2 weeks, 10 Year Treasury rates were unchanged. In the past week, they went up by 4bp. On 5/3/23, the Fed made an announcement that broadly hinted future rate increases would be in a “wait and see mode”. Concerns over the Debt Ceiling were resolved 5.30.23. Red line represents the current rates, - [US 10 Year Treasury Decreased 1bp Week Ending 6/15/23](https://landconexa.com/us-10-year-treasury-decreased-1bp-week-ending-6-15-23/) - For the past 2 weeks, 10 Year Treasury rates were up 11bp. In the past week they were down 3bp. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future rate increases would be in a “wait and see mode”. CPI is down from 4.9% to 4.0% on 6/13/23 and 6/14/23, - [US 10 Year Treasury Increased 18bp Week Ending 5/25/23](https://landconexa.com/us-10-year-treasury-increased-18bp-week-ending-5-25-23/) - For the past 2 weeks, 10 Year Treasury rates were up 44bp. In the past week they were up 18bp. Nearly every day for the past week, rates increased by a modest amount. No major change, an accumulation of small increases. On 5/3/23 the Fed made an announcement that broadly hinted the future rate increases - [US 10 Year Treasury Increased 8bp Week Ending 6/22/23](https://landconexa.com/us-10-year-treasury-increased-8bp-week-ending-6-22-23/) - For the past 2 weeks, 10 Year Treasury rates were up 1bp. In the past week they were up 8bp. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future rate increases would be in a “wait and see mode”. CPI is down from 4.9% to 4.0% on 6/3/23 and 6/14/23, - [US 10 Year Treasury Increased 5bp Week Ending 6/29/23](https://landconexa.com/us-10-year-treasury-increased-5bp-week-ending-6-29-23/) - For the past 2 weeks, 10 Year Treasury rates were up 2bp. In the past week they were up 8bp. On May 3rd, 20234, the Fed made an announcement that broadly hinted that future rate increases would be in a “wait and see mode". CPI down from 4.9% to 4.0% on 6.13..23 and 6.14.23 Fed - [US 10 Year Treasury Decreased 29bp Week Ending 7/13/23](https://landconexa.com/us-10-year-treasury-decreased-29bp-week-ending-7-13-23/) - For the past 2 weeks, 10-Year Treasury rates were up 5bp. In the past week, they were down 29bp. On May 3rd, 2023, the Fed made an announcement that broadly hinted that future rate increases would be in a "wait and see" mode. CPI is down from 4.9% to 4.0% on 6.13.23, and on 6.14.23, - [US 10 Year Treasury Increased 9bp Week Ending 7/20/23](https://landconexa.com/us-10-year-treasury-increased-9bp-week-ending-7-20-23/) - For the past 2 weeks, 10-Year Treasury rates were down 20bp. Last week, they were up 9bp. The next Fed meeting is scheduled for 7.26.23. The red line represents the most current rates, while the green line represents rates from one week ago. The entire yield curve increased, with the 2-year term increasing by 21 - [US 10 Year Treasury Increased 16bp Week Ending 7/27/23](https://landconexa.com/us-10-year-treasury-increased-16bp-week-ending-7-27-23/) - For the past 2 weeks, 10 Year Treasury rates were up 25bp. In the past week, they rose by 16bp following the Fed’s 7.26.23 meeting, where they increased their Fed Funds rate by 25bp, despite the CPI decreasing by 100bp to 3.00%. The next Fed meeting is scheduled for 9.20.23. Twice a year, the Fed - [US 10 Year Treasury Decreased 11bp Week Ending 8/10/23](https://landconexa.com/us-10-year-treasury-decreased-11bp-week-ending-8-10-23/) - For the past 2 weeks, 10-Year Treasury rates went up by 8bp. In the past week, they went down by 11bp. The next Fed meeting is scheduled for September 20, 2023. Twice a year, the Fed meetings are spaced 6 weeks apart; however, during this upcoming summer break, they will be spaced 8 weeks apart. - [US 10-Year Treasury Increased by 21bp for the Single Week Ending 8/17/23](https://landconexa.com/us-10-year-treasury-increased-by-21bp-for-the-single-week-ending-8-17-23/) - For the past 2 weeks, 10-Year Treasury rates were up by 10bp. In the past week, they increased by 21bp. The next Fed meeting is scheduled for September 20, 2023. Twice a year, the Fed meetings are spaced 6 weeks apart; however, during this upcoming summer break, they will be spaced 8 weeks apart. Over - [US 10-Year Treasury Decreased by 7 Basis Points for the Week Ending 8/24/23](https://landconexa.com/us-10-year-treasury-decreased-by-7-basis-points-for-the-week-ending-8-24-23/) - Over the past 2 weeks, 10-Year Treasury rates went up by 14 basis points. In the past week, they went down by 7 basis points. The next Fed meeting is scheduled for 9/20/23. The Fed meetings occur twice a year, with a 6-week interval, but in the upcoming summer break, the interval will be 8 - [US 10 Year Treasury Increased 18bp Week Ending 9/7/23](https://landconexa.com/us-10-year-treasury-increased-18bp-week-ending-9-7-23/) - For the past two weeks, the 10-Year Treasury rates have increased by 8 basis points. In the past week alone, they rose by 18 basis points. The next Federal Reserve meeting is scheduled for September 20, 2023. Normally, Fed meetings occur twice a year with a six-week gap in between. However, during the upcoming summer - [US 10 Year Treasury Increased 3bp for the Single Week Ending 9/14/23](https://landconexa.com/us-10-year-treasury-increased-3bp-for-the-single-week-ending-9-14-23/) - For the past 2 weeks, 10-Year Treasury rates were up by 17 bp. In the past week, they were up by 3 bp. The next Fed meeting is scheduled for 9/20/23. There was very little reaction to the CPI announcement on 9/13/23. The red line represents the most current rates, while the green line represents - [US 10 Year Treasury Increased 20bp for the Single Week Ending 9/21/23](https://landconexa.com/us-10-year-treasury-increased-20bp-for-the-single-week-ending-9-21-23/) - For the past two weeks, 10-Year Treasury rates have increased by 22bp. In the past week alone, they were up by 20bp. During the Fed meeting on 9.20.23, there was no rate change, and discussions focused on the reaction to potential future Fed rate increases. The red line represents the most current rates, while the - [US 10 Year Treasury Increased 10bp for the Single Week Ending 9/28/23](https://landconexa.com/us-10-year-treasury-increased-10bp-for-the-single-week-ending-9-28-23/) - For the past 2 weeks, 10 Year Treasury rates were up 30bp. Past week: up 10bp. Fed 9/20/23 meeting - no rate change, reaction to potential Fed future rate increases. Red line is the most current rates, while the green line represents rates from one week ago. Longer-term rates rose relative to shorter-term rates, making - [US 10 Year Treasury Increased 13bp for the Single Week Ending 10/5/23](https://landconexa.com/us-10-year-treasury-increased-13bp-for-the-single-week-ending-10-5-23/) - For the past 2 weeks, 10-Year Treasury rates have increased by 23bp. In the past week, they were up by 13bp. The next Fed meeting is scheduled for 11.1.23. The red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates rose relative to shorter-term rates; as - [US 10 Year Treasury Decreased 3bp for the Single Week Ending 10/12/23](https://landconexa.com/us-10-year-treasury-decreased-3bp-for-the-single-week-ending-10-12-23/) - For the past 2 weeks, 10-Year Treasury rates were up 9bp. Past week: down 3bp. The next Fed meeting is scheduled for 11.1.23. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates rose relative to shorter-term rates; as a result, the inverted yield curve is - [US 10 Year Treasury Increased 28bp for the Single Week Ending 10/19/23](https://landconexa.com/us-10-year-treasury-increased-28bp-for-the-single-week-ending-10-19-23/) - For the past 2 weeks, 10-Year Treasury rates were up 25bp. Past week: up 28bp. The next Fed meeting is scheduled for 11.1.23. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates rose relative to shorter-term rates; as a result, the inverted yield curve is - [US 10 Year Treasury Decreased 5bp for the Single Week Ending 11/09/23](https://landconexa.com/us-10-year-treasury-decreased-5bp-for-the-single-week-ending-11-09-23/) - For the past 2 weeks, 10-Year Treasury rates were up 24bp. Past week: up 5bp. Fed meeting 11.1.23 no change in rates. Next Fed meeting is scheduled for 12.13.23. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates rose relative to shorter-term rates; as a - [US 10 Year Treasury Decreased 17bp for the Single Week Ending 11/16/23](https://landconexa.com/us-10-year-treasury-decreased-17bp-for-the-single-week-ending-11-16-23/) - For the past 2 weeks, 10-Year Treasury rates were down 22bp. Past week: down 17bp. 11.14.23 CPI came in at zero for the month of October. Next Fed meeting is scheduled for 12.13.23. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to - [US 10 Year Treasury Decreased 10bp for the Single Week Ending 11/30/23](https://landconexa.com/us-10-year-treasury-decreased-10bp-for-the-single-week-ending-11-30-23/) - For the past 2 weeks, 10-Year Treasury rates were down 16bp. Past week: down 10bp. 11.14.23 CPI came in at zero for the month of October. Next CPI released 12.13.23. Red line represents the most current rates, while the green line represents rates from one week ago. Shorter-term rates decreased relative to longer-term rates; as - [US 10 Year Treasury Decreased 23bp for the Single Week Ending 12/7/23](https://landconexa.com/us-10-year-treasury-decreased-23bp-for-the-single-week-ending-12-7-23/) - For the past 2 weeks, 10-Year Treasury rates were down 28bp. Past week: down 23bp. 11.14.23 CPI came in at zero for the month of October. Red line represents the most current rates, while the green line represents rates from one week ago. Shorter-term rates decreased relative to longer-term rates; as a result, the inverted - [US 10 Year Treasury Decreased 22bp for the Single Week Ending 12/14/23](https://landconexa.com/us-10-year-treasury-decreased-22bp-for-the-single-week-ending-12-14-23/) - For the past 2 weeks, 10-Year Treasury rates were down 45bp. Past week: down 22bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is less steep. For terms of 5+ years, the - [US 10 Year Treasury Decreased 3bp for the Single Week Ending 12.21.23](https://landconexa.com/us-10-year-treasury-decreased-3bp-for-the-single-week-ending-12-21-23/) - For the past 2 weeks, 10-Year Treasury rates were down 25bp. Past week: down 3bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is less steep. For terms of 5+ years, the - [US 10 Year Treasury Decreased 2bp for the Single Week Ending 12/28/23](https://landconexa.com/us-10-year-treasury-decreased-2bp-for-the-single-week-ending-12-28-23/) - For the past 2 weeks, 10-Year Treasury rates were down 20bp. Past week: down 2bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is less steep. For terms of 5+ years, the - [US 10 Year Treasury Decreased 1bp for the Single Week Ending 1/11/24](https://landconexa.com/us-10-year-treasury-decreased-1bp-for-the-single-week-ending-1-11-24/) - For the past 2 weeks, 10-Year Treasury rates were down 19bp. Past week: down 1bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is less steep. For terms of 5+ years, the - [US 10 Year Treasury No Change for the Single Week Ending 1/25/24](https://landconexa.com/us-10-year-treasury-no-change-for-the-single-week-ending-1-25-24/) - For the past 2 weeks, 10-Year Treasury rates were up 10bp. Past week: unchanged. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is more steep. For terms of 5+ years, the Yield - [US 10 Year Treasury Down 27bp for the Single Week Ending 02/01/2024](https://landconexa.com/us-10-year-treasury-down-27bp-for-the-single-week-ending-02-01-2024/) - For the past 2 weeks, 10-Year Treasury rates were up 27bp. In the past week, they were down 27bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is steeper. For terms of - [US 10 Year Treasury Down 8bp for the Single Week Ending 2/29/24](https://landconexa.com/us-10-year-treasury-down-8bp-for-the-single-week-ending-2-29-24/) - For the past 2 weeks, 10-Year Treasury rates were down 8bp. The net change in 2 weeks is down 2bp. Red line represents the most current rates, while the green line represents rates from one week ago. Longer-term rates decreased relative to shorter-term rates; as a result, the inverted yield curve is steeper. For terms - [US 10 Year Treasury Up 6bp for the Single Week Ending 2/22/24](https://landconexa.com/us-10-year-treasury-up-6bp-for-the-single-week-ending-2-22-24/) - Over the past week, 10-Year Treasury rates increased by 6bp. The total change over two weeks amounts to 24bp. The red line represents the most current rates, while the green line represents rates from one week ago. Short-term rates increased relative to shorter-term rates; as a result, the inverted yield curve is less steep. For - [US 10 Year Treasury Down 16bp for the Single Week Ending 03/7/24](https://landconexa.com/us-10-year-treasury-down-16bp-for-the-single-week-ending-03-7-24/) - For the past week, 10-Year Treasury rates were down 16bp. The net change over 2 weeks is down 24bp. The red line represents the most current rates, while the green line represents those from one week ago. Longer-term rates decreased less relative to shorter-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury Up 20bp for the Single Week Ending 3/14/24](https://landconexa.com/us-10-year-treasury-up-20bp-for-the-single-week-ending-3-14-24/) - For the past week, 10-Year Treasury rates were up 20bp. The net change over 2 weeks is up 4bp. The red line represents the most current rates, while the green line represents those from one week ago. Longer-term rates increased more relative to shorter-term rates; as a result, the inverted yield curve is less steep. - [US 10-Year Treasury Down 2bp for the Week Ending 3/21/24](https://landconexa.com/us-10-year-treasury-down-2bp-for-the-week-ending-3-21-24/) - For the past week, 10-Year Treasury rates were down 2bp. The net change over 2 weeks is up 18bp. The red line represents the most current rates, while the green line represents those from one week ago. Shorter-term rates decreased more relative to longer-term rates; as a result, the inverted yield curve is less steep. - [US 10-Year Treasury Up 11bps for the Single Week Ending 04/04/24](https://landconexa.com/us-10-year-treasury-up-11bp-for-the-single-week-ending-04-04-24/) - For the past week, 10-Year Treasury rates were up 11bp. The net change over 2 weeks is up 4bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury Up 25bp for the Single Week Ending 4/11/24](https://landconexa.com/us-10-year-treasury-up-25bp-for-the-single-week-ending-4-11-24/) - For the past week, 10-Year Treasury rates were up 25bp. The net change over 2 weeks is up 36bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury UP 8bp for the Single Week Ending 4/18/24](https://landconexa.com/us-10-year-treasury-up-8bp-for-the-single-week-ending-4-18-24/) - For the past week, 10-Year Treasury rates were up 8bp. The net change over 2 weeks is up 33bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [ US 10 Year Treasury Down 12bp for the Single Week Ending 05/02/24](https://landconexa.com/us-10-year-treasury-down-12bp-for-the-single-week-ending-05-02-24/) - For the past week, 10-Year Treasury rates were down 12bp. The net change over 2 weeks is down 6bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Down 7bp for the Single Week Ending 05/16/24](https://landconexa.com/us-10-year-treasury-down-7bp-for-the-single-week-ending-05-16-24/) - For the past week, 10-Year Treasury rates were down 7bp. The net change over 2 weeks is down 20bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Up 9bp for the Single Week Ending 5/23/24](https://landconexa.com/us-10-year-treasury-up-9bp-for-the-single-week-ending-5-23-24/) - For the past week, 10-Year Treasury rates were up 9bp. The net change over 2 weeks is up 2bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury Up 8bp for the Single Week Ending 5/30/24](https://landconexa.com/us-10-year-treasury-up-8bp-for-the-single-week-ending-5-30-24/) - For the past week, 10-Year Treasury rates were up 99bp. The net change over 2 weeks is up 11bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury Down 27bp for the Single Week Ending 6/6/24](https://landconexa.com/us-10-year-treasury-down-27bp-for-the-single-week-ending-6-6-24/) - For the past week, 10-Year Treasury rates were down 27bp. The net change over 2 weeks is down 15bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Down 4bp for the Single Week Ending 6/13/24](https://landconexa.com/us-10-year-treasury-down-4bp-for-the-single-week-ending-6-13-24/) - For the past week, 10-Year Treasury rates were down 4bp. The net change over 2 weeks is down 31bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates decreased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Up 1bp for the Single Week Ending 6/20/24](https://landconexa.com/us-10-year-treasury-up-1bp-for-the-single-week-ending-6-20-24/) - For the past week, 10-Year Treasury rates were up 1bp. The net change over 2 weeks is down 4bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Up 4bp for the Single Week Ending 6/27/24](https://landconexa.com/us-10-year-treasury-up-4bp-for-the-single-week-ending-6-27-24/) - For the past week, 10-Year Treasury rates were up 4bp. The net change over 2 weeks is down 2bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is more steep. - [US 10 Year Treasury Down 1bp for the Single Week Ending 7/05/2024](https://landconexa.com/us-10-year-treasury-down-1bp-for-the-single-week-ending-7-05-2024/) - For the past week, 10-Year Treasury rates were down 1bp. The net change over 2 weeks is up 3bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10 Year Treasury Down 16bp for the Single Week Ending 7/11/24](https://landconexa.com/us-10-year-treasury-down-16bp-for-the-single-week-ending-7-11-24/) - For the past week, 10-Year Treasury rates were down 16bp. The net change over 2 weeks is down 12bp. The red line represents the most current rates, while the green line represents those from one week ago. Long-term rates increased more relative to short-term rates; as a result, the inverted yield curve is less steep. - [US 10-Year Treasury Rates Unchanged for the Week Ending 7/18/24](https://landconexa.com/us-10-year-treasury-were-unchanged-for-the-single-week-ending-7-18-24/) - For the past week, 10-Year Treasury rates remained unchanged. The net change over the past 2 weeks is a decrease of 16bp. The red line represents the most current rates, while the green line represents rates from one week ago. Long-term rates have increased more relative to short-term rates, resulting in a less steep inverted - [Existing Home Market Report for Month Ended March 2023: Sales Down 2% Over Prior Month](https://landconexa.com/existing-home-market-report-for-month-ended-march-2023-sales-down-2-over-prior-month/) - The number of existing home sales increased as mortgage rates decreased between December and February. Homes for sale continue to be very low. The home sales spike during COVID-19 and record-low mortgage rates brought forward demand. Those buyers have already purchased a home, reducing current period demand. Existing homes for sale have a seasonal pattern, - [Existing Home Market for Month Ended April 2023: Sales Down 3.5% Over Prior Month](https://landconexa.com/existing-home-market-for-month-ended-april-2023-sales-down-3-5-over-prior-month/) - The number of existing home sales increased as mortgage rates decreased between December and February 2020. Homes for sale continue to be very low. The home sales spike during COVID-19 and record-low mortgage rates brought forward demand. Those buyers have purchased a home, and have reduced current period demand. Existing homes for sale have a - [NCREIF Returns March 31, 2022](https://landconexa.com/the-knudson-file-ncreif-returns-march-31-2022/) - Total 4 quarter return for March 31st, 2022 attained a RECORD HIGH of 21.9% but look out for rising 10 Year US Treasury Rates. NCREIF Total Property Returns The main driver was industrial property returns of 52%. YES, 52% That is NOT a typo! In NCREIF’s ~47-year history, this is the highest return for ANY PROPERTY TYPE. Apartments were next - [Is Housing Still In Demand?](https://landconexa.com/the-knudson-file-is-housing-still-in-demand/) - On July 26th the DEMAND SIDE data is scheduled to be released on Unit sales, Price, and Months of Inventory. While new home sales are up to 850,000, the volume being built is nowhere near the 1.2 million that was being built in 2007. Since real estate is subject to supply and demand, when the demand for housing is - [Existing Home Market for Month Ended February 2023: Sales Up 15% Over Prior Month](https://landconexa.com/existing-home-market-for-month-ended-february-2023-sales-up-15-over-prior-month/) - The number of existing home sales increased as mortgage rates decreased between December and February. However, the supply of homes for sale remains very low. The spike in home sales during COVID, combined with record low mortgage rates, brought forward demand, with many buyers purchasing a home, thereby reducing current period demand. Existing homes for ## Pages - [Home](https://landconexa.com/) - We think differently about every investment The LANDCO difference LANDCO is built on a platform of decades-long real estate expertise. From that platform we identify opportunities on behalf of ourselves and our partners. When LANDCO commits to a project, we assemble a specially dedicated task-force of professionals to see it through. We expect new challenges - [Contact Us](https://landconexa.com/contact-us/) - Contact Us Office Locations California 1350 Bayshore Hwy Suite 810 Burlingame, CA 94010 Arizona 11201 North Tatum Blvd Suite 300Phoenix, AZ 85028 Mailing address PO Box 20581141 Capuchino AvenueBurlingame, CA 94011 PHONE: +1.650.638.0900 FAX: - [Case Studies](https://landconexa.com/contact-us/case-studies/) - Case Studies LANDCO NEXA's expertise and innovative approaches have successfully addressed diverse challenges in land development and site planning. Each case study offers a detailed look at how we have applied our expertise and innovative approaches to overcome obstacles and achieve successful outcomes for our clients. From complex site analyses to creative design solutions, these - [Partners](https://landconexa.com/contact-us/partners/) - NEXA Partners Send e-mail LinkedIn Search Opportunities NEXA Process Case Studies Partners Opportunities Cyclical Markets Overview Target Market Strategic Locations Repositioning Strategy​ LSSREF – Landco Special Situations Real Estate Fund LANDCO NEXA has been entrusted with investment funds from leading figures in real estate finance. We engage with a broad range of clients who often - [Team](https://landconexa.com/contact-us/team/) - NEXA Team Meet the talented team at LANDCO NEXA, where a diverse range of skills and expertise converge to drive successful outcomes. Our expertise spans bank REO, foreclosures and short sales, forced liquidations, workouts, recapitalizations, restructurings, impaired mortgages, and non-performing loans. This diverse skill set enables us to tackle complex challenges and uncover valuable opportunities - [Our Mission](https://landconexa.com/contact-us/about-us/) - Our Mission Our mission is to identify opportunities on behalf of our partners and clients, and to optimize value through top-flight investment and management services. What makes stand out from the pack is we use non-traditional research methods to surface asset-specific opportunities, we customize our approach to problem solving for each client, and we form - [Strategic Opportunity: Commercial Mortgage Backed Securities (CMBS)](https://landconexa.com/disciplines/commercial/strategic-opportunity-commercial-mortgage-backed-securities-cmbs/) - Strategic Opportunity Commercial Mortgage Backed Securities (CMBS) LANDCO NEXA’s CMBS experts leverage our extensive commercial real estate experience to accurately assess and capitalize on opportunities in discounted or distressed bonds. Commercial Mortgage Backed Securities, especially those issued prior to the world reaction to COVID-19, remain subject to loss of value due to a variety of - [Leadership Perspective](https://landconexa.com/leadership-perspective/) - The housing industry is about to learn a hard lesson about mixed signals.I've been spending some time digesting the 900-page bill that's been making headlines (oft-referred to by an alliterative title), and I noticed something that should have every real estate professional paying attention. The housing provisions are sending contradictory messages that will reshape how - [NEXA Opportunities](https://landconexa.com/nexa-opportunities/) - Opportunities Since 1998, our experienced team has been dedicated to identifying opportunities through due diligence and crafting tailored strategies to maximize your returns. At LANDCO NEXA, we specialize in transforming distressed real estate into profitable investments. Our approach includes a detailed assessment of your objectives, developing customized strategic proposals, and executing targeted plans. We handle - [Disciplines](https://landconexa.com/disciplines/) - Disciplines LANDCO NEXA's specialists use forensic and structural strategies to maximize returns. Our team of specialists is dedicated to delivering exceptional land development and real estate solutions that have been meticulously tailored to your objectives. We start with a comprehensive assessment of your objectives, followed by a detailed proposal that includes due diligence, strategic recommendations, - [Land](https://landconexa.com/disciplines/land/) - Land Development LANDCO NEXA, with $440M in land investments, excels in managing complex waterfront projects through collaborations with public agencies. Extensive experience in land investment dates to LANDCO’ NEXAs origins and includes development, agricultural, and resource investments at all points of the market cycle. LANDCO NEXA principals have owned more than $440M in land sector - [Commercial](https://landconexa.com/disciplines/commercial/) - Commercial Real Estate With a robust track record in the office and retail real estate markets, LANDCO NEXA focuses on leveraging its extensive experience to unlock new opportunities. LANDCO NEXA has extensive experience in the office and retail real estate sectors throughout all phases of the market cycle. The Company’s principals have owned and operated - [Residential](https://landconexa.com/disciplines/residential/) - Residential Real Estate LANDCO NEXA's track record includes extensive experience in the residential real estate sector throughout all phases of the market cycle. The Company’s residential ventures have included large multifamily, condominium, single-family and town home projects under various investment strategies. LANDCO NEXA principals have owned and operated more than $483M in the residential sector.LANDCO - [Strategic Opportunity: Portfolio Formation](https://landconexa.com/disciplines/commercial/strategic-opportunity-portfolio-formation/) - Strategic Opportunity Portfolio Formation Send e-mail LinkedIn Search Disciplines NEXA Value Added By LANDCO NEXA Land Strategic Opportunity: Multi-Family Rentals Commercial Strategic Opportunity: Commercial Mortgage Backed Securities (CMBS) Strategic Opportunity: Portfolio Formation Residential Strategic Opportunity: Non-Owner Occupied Mortgages Strategic Opportunity: Distressed Mortgages Underwriting Portfolio Formation: An overview In today’s frothy environment, many individual properties and - [Strategic Opportunity: Distressed Mortgages](https://landconexa.com/disciplines/residential/strategic-opportunity-distressed-mortgages/) - Strategic Opportunity Distressed Mortgages Send e-mail LinkedIn Search Disciplines NEXA Value Added By LANDCO NEXA Land Strategic Opportunity: Multi-Family Rentals Commercial Strategic Opportunity: Commercial Mortgage Backed Securities (CMBS) Strategic Opportunity: Portfolio Formation Residential Strategic Opportunity: Non-Owner Occupied Mortgages Strategic Opportunity: Distressed Mortgages Underwriting A. Banks Banks are glutted with hundreds of thousands of non-performing residential - [Strategic Opportunity: Non-Owner Occupied Mortgages](https://landconexa.com/disciplines/residential/strategic-opportunity-non-owner-occupied-mortgages/) - Strategic Opportunity Non-Owner Occupied Mortgages LANDCO NEXA’s Non-Owner Occupied Mortgage program enhances private financing with expert risk management for mortgage originations. An initiative of LANDCO NEXA Portfolio Services. LANDCO NEXA provides risk-management for holders of non-owner occupied mortgages and special servicing for troubled loans.RationaleBusiness ModelPlatformLANDCO NEXA’s Non-Owner Occupied Mortgage program is an opportunity to deliver - [Strategic Opportunity: Multi-Family Rentals](https://landconexa.com/disciplines/land/strategic-opportunity-multi-family-rentals/) - Strategic Opportunity Multi-Family Rentals Send e-mail LinkedIn Search Disciplines NEXA Value Added By LANDCO NEXA Land Strategic Opportunity: Multi-Family Rentals Commercial Strategic Opportunity: Commercial Mortgage Backed Securities (CMBS) Strategic Opportunity: Portfolio Formation Residential Strategic Opportunity: Non-Owner Occupied Mortgages Strategic Opportunity: Distressed Mortgages Underwriting A. Disciplines Rehab & RepairRepositioningMortgage WorkoutAsset ManagementTurnaroundConsulting B. Virtues of Multi-Family Investment - [Underwriting](https://landconexa.com/disciplines/underwriting/) - Underwriting With over 100 collective years of experience, LANDCO NEXA’s principals apply expert risk management and evaluation across various real estate cycles and sectors. LANDCO NEXA’s Principals have well over 100 years of hands-on real estate experience among them. When they evaluate an investment opportunity, they are doing it with experience that spans several real - [Value Added By NEXA](https://landconexa.com/disciplines/commercial/value-added-by-landco/) - Value added by NEXA Send e-mail LinkedIn Search Disciplines NEXA Value Added By LANDCO NEXA Land Strategic Opportunity: Multi-Family Rentals Commercial Strategic Opportunity: Commercial Mortgage Backed Securities (CMBS) Strategic Opportunity: Portfolio Formation Residential Strategic Opportunity: Non-Owner Occupied Mortgages Strategic Opportunity: Distressed Mortgages Underwriting Acquisition Market researchAnalysis and underwritingBusiness planEntity formation and financing Operation Asset management, - [LANDCO NEXA Process](https://landconexa.com/landco-nexa-process/) - NEXA Process LANDCO NEXA's unique approach assesses objectives, creates a strategic proposal, and executes a targeted plan to optimize investment return. We tailor our services to meet the precise needs of your project. Our approach begins with a thorough assessment of your goals, followed by the development of a customized proposal that includes due diligence, - [LSSREF - Landco Special Situations Real Estate Fund](https://landconexa.com/opportunities/overview-opportunities/landco-special-situations-real-estate-fund/) - LSSREF LANDCO NEXA Special Situations Real Estate Fund (LSSREF) excels by using unique research, expert teams, and targeting $5M+ investments in restructuring assets. What makes us different? The answer is threefold; First, we use non-traditional research methods to surface asset specific opportunity; Second, we solve challenging problems for owners; And, third, we form a specialized - [Repositioning Strategy​](https://landconexa.com/opportunities/overview-opportunities/) - Strategic Opportunity Repositioning Strategy LANDCO NEXA is capitalizing on current market conditions by targeting its approach, offering management and financing solutions to capitalize on oversupply and low demand. The market’s flood of foreclosed homes and underwater mortgages presents a prime investment opportunity, and you can strategically positioned to benefit by partnering with LANDCO NEXA. Despite - [Strategic Locations](https://landconexa.com/opportunities/roots-in-strategic-locations/) - Strategic Locations Send e-mail LinkedIn Search Opportunities NEXA Process Case Studies Partners Opportunities Cyclical Markets Overview Target Market Strategic Locations Repositioning Strategy​ LSSREF – Landco Special Situations Real Estate Fund LANDCO’s projects and personnel are located in places where US population growth is most focused. LANDCO and its principals have engaged in hundreds of projects - [Target Market](https://landconexa.com/opportunities/target-market/) - Target Market LANDCO NEXA is capitalizing on $500 billion in distressed U.S. properties by offering solutions to investors to seize development opportunities. U.S. residential and commercial property that is physically or financially distressed amounts to over $500 billion in value. This includes land in various status of entitlement, buildings in various state of occupancy, repair - [Overview](https://landconexa.com/opportunities/overview/) - Opportunity Overview Send e-mail LinkedIn Search Opportunities NEXA Process Case Studies Partners Opportunities Cyclical Markets Overview Target Market Strategic Locations Repositioning Strategy​ LSSREF – Landco Special Situations Real Estate Fund Epochal Change In our lifetimes we will not see another real estate pricing reset like the one we are amidst today. Every aspect of this - [Cyclical Markets](https://landconexa.com/opportunities/) - Strategic Opportunity Cyclical Markets Cyclical markets offer investment opportunities, with LANDCO NEXA’s experience optimizing strategies for shifting retail, office, and residential sectors. Acquisition target selection is ever more critical.Cap rates and interest rates are at generational lows; The Fed is now raising rates as we near the backend of the business cycle; Oil price volatility - [Skill Set](https://landconexa.com/contact-us/skill-set/) - NEXA Skill Set LANDCO NEXA's team of experienced professionals are well-suited to pursue the widest range of opportunity in today's real estate market. At LANDCO NEXA, we pride ourselves on the diverse skill set that our team brings to every project. Our expertise spans several critical areas, including project management, civil engineering, landscape architecture, and - [Background](https://landconexa.com/contact-us/background/) - Background Established in 1998, we specialize in repositioning distressed commercial real estate, offering investment, finance, and management services. In the commercial real estate sector, seizing opportunities frequently involves devising strategies to reposition or repurpose properties. This approach is essential for transforming distressed assets into valuable investments. Our company excels in this domain, leveraging a team of - [Privacy Policy](https://landconexa.com/contact-us/privacy-policy-2/) - Protecting your personal information is an important priority for Landco ARESC, LLC (the “Company” or “LANDCO”). LANDCO’s privacy policy is designed to support this objective. LANDCO may collect non-public personal information concerning you in the following ways: Information provided by you or your representative on documents or other forms furnished to the Company or through - [Terms of Use](https://landconexa.com/contact-us/terms-of-use-legal-disclosure/) - Legal Disclosure Prospective Investors If you qualify as an "accredited investor," as defined by U.S. law, and are interested in pursuing real estate investment opportunities with LANDCO, please contact us at 851 Burlway Road, Suite 602, Burlingame, California 94010. Terms of Use Access and Updates to Terms of Use Please read these Terms of Use carefully before - [Privacy Policy](https://landconexa.com/contact-us/privacy-policy/) - Protecting your personal information is an important priority for Landco ARESC, LLC (the “Company” or “LANDCO”). LANDCO’s privacy policy is designed to support this objective. LANDCO may collect non-public personal information concerning you in the following ways: Information provided by you or your representative on documents or other forms furnished to the Company or through - [Investments](https://landconexa.com/opportunities/investors/) - LANDCO Investor Center coming soon ## Categories - [LANtel](https://landconexa.com/category/lantelligence/) - [Rates: Mortgage](https://landconexa.com/category/analysis/) - [Rates: Treasury & the Fed](https://landconexa.com/category/commercial-real-estate/) - [Housing: New Homes](https://landconexa.com/category/feature-of-the-week/) - [Jobs, Inflation, & Consumer Confidence](https://landconexa.com/category/fed-reserve-focus/) - [Commercial Real Estate](https://landconexa.com/category/interest-mortgage-rates/) - [Housing: Existing Homes](https://landconexa.com/category/housing-new-homes/) - [New Home Market](https://landconexa.com/category/feature-of-the-week/new-home-market/) - [Jobs & Inflation](https://landconexa.com/category/jobs-inflation/) - [Consumer Confidence & Leading Indicators](https://landconexa.com/category/consumer-confidence/) ## Tags - [mortgage](https://landconexa.com/tag/mortgage/) - [housing](https://landconexa.com/tag/housing/) - [finance](https://landconexa.com/tag/finance/) - [Inflation](https://landconexa.com/tag/inflation/) - [LANtel](https://landconexa.com/tag/lantel/) - [Treasury](https://landconexa.com/tag/treasury/)