Brett Burns - Frame Home Loans

10/24/2025

📊 Friday Market Recap

10-Year Note (closing prices):
Mon: 3.986%
Tue: 3.963%
Wed: 3.953%
Thu: 3.991%
Fri: 3.993% (current)

Great to see consistent stability — the 10-year remained below 4.0% all week, helping mortgage rates continue trending lower and testing a potential new floor.

📈 CPI released this morning — first major data since the shutdown:
+0.3% month-over-month (slightly below forecast, down from August)
+3.0% year-over-year (also better than expected)

Markets are now highly confident in another Fed rate cut next week.
Rates are still moving slowly — but importantly, they’re moving down after months of stagnation. A healthy direction for buyers and homeowners.

💬 Reach out with any questions or scenarios — always happy to help.

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09/26/2025

📊 Friday Market Recap

10-Year Note (closing prices):

Mon: 4.143%

Tue: 4.120%

Wed: 4.147%

Thu: 4.172%

Fri: 4.168% (current)

📰 Key Highlights:
After months of struggling to break below 4.2%, the 10-year dipped as low as 4.011% on Sept. 11. Over the past two weeks, it’s edged back up—driven mostly by speculation.

Ahead of the Sept. 17 Fed meeting, traders expected three cuts by year-end (totaling 0.75%). Post-meeting comments made markets more cautious on that outlook.

August PCE data released today came in as expected:

+0.3% month-over-month
+2.7% year-over-year

💡 What It Means:
Mortgage rates are up slightly from last week, but still down overall for September.

The next Fed meeting is set for October 28–29 and will be closely watched for policy direction.

💬 Reach out with any questions or scenarios—we’re here to help.

09/12/2025

📊 Friday Market Recap

10-Year Note (closing prices):

Mon: 4.046%
Tue: 4.074%
Wed: 4.032%
Thu: 4.011%
Fri: 4.062% (current)

📰 Key Highlights:

Last Friday’s big drop in the 10-year and mortgage rates carried through this week, keeping the note well below the 4.2% resistance level.

Traders are now confident in a Fed rate cut next week, with expectations of more to follow before year-end.

Yesterday’s inflation data came in slightly higher than expected, but markets shrugged it off after recent Fed comments about possibly re-thinking the 2% inflation target.

💡 Big Picture:
The 10-year has clearly broken resistance, rates are trending lower, and Fed policy could provide more support. Next week’s Fed meeting—and the comments that follow—will be the focus.

💬 Reach out anytime with questions or scenarios—we’re here to help.

09/05/2025

📊 Friday Market Recap

10-Year Note (closing prices):
Mon: Closed (holiday)
Tue: 4.277%
Wed: 4.211%
Thu: 4.176%
Fri: 4.07% (current)

📰 Key Driver:
A weaker-than-expected Non-Farm Payrolls report (plus downward revisions to prior months) gave the market momentum, pushing the 10-year below the long-watched 4.2% resistance level.

💡 What It Means:
First time breaking through 4.2% with conviction — could signal a move to a lower resistance level.

Analysts are increasingly confident in a Fed rate cut on Sept 17. While already priced in, this reinforces the downward trend in both the 10-year and mortgage rates.

📌 Big Picture:
This was a strong week for mortgage rates. If momentum continues, we may see a sustained path to lower levels — good news for buyers and homeowners alike.

💬 Have questions about what this means for you? Reach out anytime.

08/15/2025

I'm back .. and excited to get back into regular updates for all!

Here are the highlights ..

📉 CPI down… PPI up… and a Fed cut on the horizon. Here’s what it means for rates.

📊 This week’s 10-year note:
Mon: 4.273%
Tue: 4.293%
Wed: 4.238%
Thu: 4.293%
Fri: 4.332%

The 10-year has been stuck testing the 4.2% resistance—no breakthrough yet.

✅ July CPI: +0.2% — lower than last month, easing inflation worries
📈 July PPI: +0.9% — higher than expected, but markets didn’t react much.

💡 A 0.25% Fed rate cut is expected in September. While markets have priced it in, it could help boost consumer confidence—especially if it’s the first of several cuts.

Please reach out anytime for any questions or assistance! I'm here to help!

10/29/2024

Real estate is one of the most powerful ways to grow wealth over time! 🌟

Whether you're new to investing or ready to expand your portfolio, this live event about long-term success covers everything from asset appreciation and cash flow to smart financing options. Learn how to craft your investment blueprint and make your real estate dreams a reality! 📈🏡

10/25/2024

Here is this week's market recap, starting with closing prices of the 10 Yr Note:

Monday - 4.182%
Tuesday - 4.204%
Wednesday - 4.242%
Thursday - 4.20%
Friday - 4.232%

It's been a tough last three weeks for mortgage rates leading up to the election. The 10 yr note closed at 3.696% on Oct 1st and is now up to 4.323%.

Much of the driving factor has been anticipation around who will when the election and what economic impact this will have, as well as what with the FED's do at the next meeting Nov 7th.

A month ago many in the market believed the FED's would be lowering rates another .50% at the Nov meeting. Since, the market has move to a belief that the reduction may be only .25%, and then moved to a belief that there may not be a reduction at all.

All in all lots of speculation and conservative trading leading up to the the election and FED meeting this first week of Nov.

Next week brings inflation reports and a whole bunch more data.

Expect continued volatility up until the second week of Nov. Hopefully markets will level out some throughout the reminder of Nov.

10/16/2024

https://youtu.be/qPbD7s3dK8Y

🏡✨ Master the Appraisal Process! ✨🏡

Are you buying a home or working as a real estate agent? Understanding the appraisal process is key to a smooth transaction! In this video I break down what appraisers look for, why appraisals matter, and how they impact the final sale price. Whether you're prepping to buy or advising your clients, this info is a game-changer! 💡

🎥 Catch the full session and empower yourself with the knowledge to navigate this critical step with confidence. Let’s get those appraisals right! 📈🏠

Join Brett from Directors Mortgage in this informative live session as he breaks down the appraisal process for both homebuyers and real estate agents. Learn...

10/07/2024

In this video, we break down the latest changes in mortgage rates and what they mean for homebuyers and those looking to refinance. From the recent drop in the 10-year treasury note to how the upcoming election could impact the market, we cover all the key trends you need to know. With rates still favorable compared to earlier this year, now could be a great time to lock in a deal before the market shifts again.

We’ll explore:

- The movement of interest rates from 4.7% in April to 3.63% in September.
- Why mortgage rates have been fluctuating and what to expect next
- Tips for buyers and refinancers navigating today’s market

Stay informed and make the best decision for your home financing! Don't forget to like, subscribe, and turn on notifications to stay updated with the latest mortgage tips and market trends.

10/01/2024

Is now the right time to refinance? 💡
Learn how refinancing can lower your mortgage rate, reduce your payments, or help you access home equity!

Watch my latest video for expert tips on when and how to refinance, and discover how it could save you thousands.🏡💸