Gulf Coast Mortgage Solutions

02/28/2026

As the 10yr treasury yield goes so goes mortgage rates. Let’s go!!!!
(10 yr treasury is not the same rate as mortgage rates but the 10yr is a leading indicator of what mortgage rates should do directionally)

02/22/2026

We were at 6.85% a year ago 👀

02/22/2026

02/12/2026

01/10/2026

***Long Boring Mortgage Rate Post***

If this week is any indication of how 2026 is going to go... Strap in Mortgage pros. It's going to be a bumpy but hopefully fun ride!

Where the hell do we start? 200B of MBS purchases of course...

Ok.. what really happens if the GSE's (fannie/freddie) buy 200B of MBS? They don't just put a bid in for 200B UMBS and p**f, rates get lower. It will be done thoughtfully and broken out for months. Just like they have BEEN doing. That's right, BEEN doing. Most people are unaware that the GSE's have been buying MBS for months (to the tune of nearly 70B). Which is why spreads have already tightened 25 bps or so. (we were sitting at 200bps or so before this move) Theoretically mortgage rates will improve if overall rates stay static. (no shot but you get the drift).
Mortgages won't disconnect from where treasuries trade... they will just gain some ground in the short term. The move yesterday and today were traders getting ahead of it. Which is why most of the movement is in lower coupons. (4.5 and 5.0s) When/if the GSE's continue their buying, expect a slower, methodical tightening.

Take politics out of this. This is good for mortgages. Having a marginal buyer will help solidify price and bring more buyers. 200B vs 9 Trillion outstanding MBS seems like a drop in the bucket, but the focus should be more about the monthly volume. Having a solid bid on 15-30B of 100-150B of volume will help. That raises prices and lowers yield. (Which is just a fancy way of saying mortgage rates will be better)

Last note... Good bad or indifferent. This is FREE marketing. Take advantage of every major news outlet highlighting OUR AMAZING INDUSTRY.

12/18/2025

What a roller coaster ride the 10 yr treasury has been the last 3 months. Call me to discuss anything mortgage/real estate
251-753-5105

12/06/2025

📈 What’s Been Happening With Rates

Mortgage rates have basically been sideways since September, hovering near the lowest levels since late 2024.

The next big potential mover?
Tuesday’s Job Openings report (JOLTS).
This will be the first full Bureau of Labor Statistics data release for October — and unusually, it's coming before the October jobs report due to the shutdown. Markets will be watching this one more closely than normal.

🏁 Bottom Line

A rate cut is likely, but mortgage rate movement is not guaranteed.
The dot plot, Powell’s comments, and next week’s jobs data may have more impact than the cut itself.
Expect markets to stay range-bound until more economic clarity arrives.

09/03/2025

We are 3 basis points from a 3 month low. Hopefully we can keep going in this direction!!

08/30/2025

HIRING!!!

I am looking for a licensed Loan Originator to join the team at Gulf Coast Mortgage Solutions. GCMS is a boutique - white glove mortgage brokerage that delivers the highest customer service in the industry. If that is the way you approach your mortgage business and you have high integrity and character then you may be a good fit. Top LO pay and always competitive rates in all loan programs.

GCMortgageSolutions.com
251-753-5105
Bart Hare - Owner
[email protected]

Gulf Coast Mortgage Solutions was created with one mission: to better the lives of our clients, referral partners and employees through transparency, simplicity

08/28/2025

251-753-5105
GCMortgageSolutions.com

08/08/2025

Welcome to Fairhope to this fantastic couple that we got closed today. So happy for them!!! And thank you for being great to work with!