April 11, 2025

The 10-Year Treasury (CMT) has jumped significantly this week, currently sitting at 4.13% and climbing. When this index rises, it usually pushes mortgage rates higher too—which can affect how much home you can afford or how much you’ll save by refinancing.

This rate movement is mostly being driven by ongoing market uncertainty. Tariff tensions, especially involving China, have investors uneasy. And when the markets get nervous, rates tend to rise.

There is some encouraging news, though: inflation data just came in lower than expected. The Producer Price Index (PPI) dropped to 2.7%, when many expected it to go higher. That’s a good sign that inflation may be slowing. Still, experts warn that the current tariff policies could push inflation back up in the coming months, since higher import costs often trickle down to consumers.

So, while this dip in inflation is a positive sign, it may not be enough to counter the pressure we’re seeing from rate hikes and economic uncertainty. If you're planning to buy a home or refinance, it may be smart to take action now—before rates climb further.

Let’s Make a Plan Together

If you're even thinking about purchasing or refinancing, now's the time to get a strategy in place. I’ll help you review your options and run the numbers based on your goals.

📲 Reach out today to get started!