Rates & market analysis
Seven numbers your clients ask about. Explained, every time.
Six mortgage programs go out in every issue you send — 30-year, 15-year, FHA, VA, jumbo and ARM — each with the day's move. The 10-year Treasury and the multi-year history sit on your own branded rates page. And none of it arrives as a bare table: every issue explains what moved, why it moved, and what it means for someone deciding this week.
Market averages · updated on a schedule · never a forecast
30-Year Fixed
6.38%
▼0.04
15-Year Fixed
5.72%
▼0.03
FHA
6.02%
▲0.01
VA
5.94%
▼0.02
Jumbo
6.45%
▼0.06
5/1 ARM
6.11%
▲0.03
Market averages · not an offer of credit
The six programs in every issue
What you send
6.38%
The number every client means when they ask what rates are doing.
5.72%
The refinance conversation, and the one that pays a house off early.
6.02%
First-time buyers and anyone whose credit is still recovering.
5.94%
Service members and veterans — usually your most loyal referral base.
6.45%
Above the conforming limit, where a small move is real money.
6.11%
Back in the conversation whenever fixed rates sit high for long.
Sample values shown. Live figures are market averages sourced from third-party providers, not personalized quotes.
The tenth year
Mortgage rates do not move on their own
They follow the 10-year Treasury. Investors price mortgage bonds against it, so when the ten-year yield moves, mortgage pricing follows within a day or two — not perfectly, and not by the same amount, but closely enough that watching it tells you where things are heading. Your issues say so out loud, which is why your clients stop asking whether the Fed 'set' their rate.
- The 10-year plotted against the 30-year fixed on your rates page
- Multi-year history, so today has context instead of just a number
- The connection explained in the issue whenever it is what moved
Every issue answers the same three questions
The analysis
What happened?
The move itself, stated plainly: which programs went where, by how much, and how that sits against last week.
“The 30-year fixed slipped to 6.38%, its lowest in nine weeks.”
Why did it happen?
The cause in one or two sentences — usually the ten-year, usually a release. Something a client can repeat to their spouse without getting it wrong.
“Yields fell after inflation came in cooler than forecast.”
So what do I do?
The practical implication, without promising an outcome. This is the part every other market email leaves out.
“Worth a conversation if you have been sitting on a pre-approval.”
The same numbers, working in three places
Where they show up
In every issue you send
A six-program table sits in the email itself — two rows of three, each with the day's move, and a link straight to your full rates page.
On your branded rates page
The same six programs plus the 10-year Treasury, with multi-year history charts. A Realtor can bookmark it and stop asking you for a rate sheet.
In your own dashboard
The full board with range gauges and trend context, so you walk into a pricing call already knowing where today sits against the last two years.
Sourcing
If a number is an estimate, it says so
Not every program is published as a clean daily average. Where a rate has to be derived rather than sourced directly, it is labeled as an estimate and carries a note explaining how it was arrived at — in the email and on your page. You are the licensed party on that message; you should never have to wonder which figures are solid.
- Market averages, clearly labeled as not personalized
- Estimated figures marked and explained wherever they appear
- No forecasts, ever — we describe what happened, not what is next
Estimated rows carry a derivation note explaining how the figure was arrived at.
Anatomy of a rate read
Annotated
Rates slip for a third straight session
The 30-year fixed moved down to 6.38% this morning, its lowest print in nine weeks. Treasury yields drifted lower after yesterday’s inflation reading came in cooler than forecast.
For buyers quoted in June, this is a meaningfully different payment on the same house. Worth a conversation if you have been sitting on a pre-approval.
30Y
6.38%
▼0.04
15Y
5.72%
▼0.03
FHA
6.02%
▲0.01
Market averages, not an offer of credit.
The rates never travel alone
In every email
Three interactive blocks are built into every issue you send, and every one of them links back to a page under your own slug — never ours. Subscribers click through to dailyratenews.com/your-name, where your headshot, logo, and NMLS number are waiting.
This week's economic events
A compact table of the week ahead — only HIGH and MEDIUM impact releases, so nothing filler makes the cut.
Today's rates, six programs
Two rows, three columns — the six programs your clients actually ask about, with the day's move on each.
30Y
6.38%
▼0.04
15Y
5.72%
▼0.03
FHA
6.02%
▲0.01
VA
5.94%
▼0.02
JUMBO
6.45%
▼0.06
5/1 ARM
6.11%
▲0.03
Run or print a payment
One button for the reader who wants to model a payment or savings scenario — and print the result to bring to the table.
Need to run the numbers on a payment or a refinance?
Calculate or print →Estimate only · not a loan offer
Rates and events shown are sample values for illustration. Every linked page sits under your own slug and carries your branding.