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The creator discusses mortgage rates, categorizing them into three bands: 5%+, 3-5%, and under 3%. They exp...
Aug 2, 2026
The creator discusses mortgage rates, categorizing them into three bands: 5%+, 3-5%, and under 3%. They explain that the under 3% band, seen during COVID, was a result of the Fed buying mortgage-backed securities to stabilize bond markets. This was driven by a stagnant economy and low inflation. The creator believes that achieving sub-5% mortgage rates again would require a weak economy or specific policy actions, and that current geopolitical events like the war in Iran and tariffs are inflationary, making a return to very low rates unlikely in the near future.
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