Economic Indicators

The indicators to the immediate right give a macro view of the US economy and their effects on bond prices and mortgage rates.

The indicators on the far right show various indexes that more directly affect home loan rates like; adjustable rate mortgages, home equity lines, and fixed mortgage rates.
For example, many ARMs are based on SOFR or the Fed Funds rate plus a margin of 2.25%.  Use the chart on the right to calculate what your rate would be if it changed today.   This rate usually changes once per year.
Use the 10-Year Treasury rate to generally gauge the direction with which mortgage rates are moving.  Generally speaking, as the 10-Year goes, so goes mortgage rates.
If you have a Home Equity Line of Credit, it is likely based on Fed Prime Rate.
This rate can change on a monthly basis.  To calculate your rate, add the margin on your HELOC Agreement (usually 1-3%) to the Fed Prime Rate.

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