What Are Rates At

06/02/2026

On paper, today should have been a rough day for mortgage rates with talks breaking off and missiles flying. Yet, the markets are weird right now—and honestly, so am I.

Even with the tension, the strait is still open, back channels indicate they are actively working on a deal, oil is down, and job openings are up. That weird market behavior means FHA and Conventional rates actually improved today, while VA and USDA held entirely steady.

Here is exactly what I can offer you today:

FHA: 5.250% (APR 6.080%)

Conv: 6.000% (APR 6.094%)

VA: 5.375% (APR 5.688%)

USDA: 5.250% (APR 5.815%)

(Pricing based on a 30-year fixed, $400k purchase price, 760 FICO, primary residence. Conv: 20% down. FHA: 3.5% down. VA/USDA: $0 down).

The world is moving fast, but no matter what the market is doing, I am here to navigate it with you. If you need help—whether it's a mobile home or a mansion—I can help. Drop a comment or send me a message to map out your scenario.

Connect With Me Directly:
📞 Phone: (801) 682-5626
📧 Email: [email protected]

Econ Mortgage NMLS # 1709162 | NMLS # 274080 | Equal Housing Opportunity 🏠

06/01/2026

It’s the first day of June, and between heavy geopolitical news overseas and intense events hitting right here at home, the world feels incredibly chaotic.

Heading into the office today, I fully expected the bond market to react violently to the weekend's strikes in Iran. Instead, we received a pleasant surprise. Thanks to a quiet, tentative draft for a two-month ceasefire and the potential reopening of critical shipping straits, panic was kept at bay, and rates are starting the week remarkably stable.

Here is exactly what I can offer you today:

FHA: 5.375% (APR 6.207%)

Conv: 6.125% (APR 6.255%)

VA: 5.375% (APR 5.688%)

USDA: 5.250% (APR 5.815%)

(Pricing based on a 30-year fixed, $400k purchase price, 760 FICO, primary residence. Conv: 20% down. FHA: 3.5% down. VA/USDA: $0 down).

The volatility isn't over. All eyes are now turning to this Friday's critical May Jobs Report, which will set the true trajectory for the month. In a fast-moving market, having a concrete strategy is everything. Drop a comment or send me a message to look at your scenarios and make sure your purchasing power is protected.

Connect With Me Directly:
📞 Phone: (801) 682-5626
📧 Email: [email protected]

Econ Mortgage NMLS # 1709162 | NMLS # 274080 | Equal Housing Opportunity 🏠

05/29/2026

Grateful to have been a part of this transaction with Alexis Hammer - Realtor, Associate Broker and Mandi Nilson Realtor - “Locally Known and Trusted” you were both great to work with, these clients deserved the care with which was taken to insure this happened!

🎉 Exciting news from Riverdale, Utah! 🎉

I'm thrilled to share that my wonderful clients have just closed on their perfect new home! This single-level living space is ideal with no stairs to navigate and the HOA taking care of the yard - truly a dream come true for them!

I successfully negotiated a lowered asking price and even had the seller cover their full loan closing costs. It was all possible thanks to the teamwork of Casey Persinger with EconMortgage for securing the loan and Freedom Title Insurance Agency for ensuring a smooth closing process.

Cheers to a new chapter and a happy home!

Alexis Hammer - Realtor, Associate Broker
Ascent Real Estate Group

05/29/2026

What are rates at for Friday, May 29, 2026? 📊 We are ending the week on a massive high note with great improvements across the mortgage board! 📉

Today's market rally comes down to one big concept: Wall Street loves predictability.

After having 24 hours to sit with and chill out over yesterday's Core PCE inflation data, the market realized there were no hidden shocks. Combine that stability with the breaking news that the Strait of Hormuz shipping lanes are officially reopening, and the ultimate economic wildcards vanished. Investors immediately began shifting funds out of defensive positions and back into mortgage bonds.

This wave of buying pushed pricing down across our FHA, VA, and USDA government loan pools today, while Conventional loan pools held firmly onto their best pricing of the week. Navigating these quick shifts is exactly how we keep transactions moving smoothly. I offer all kinds of loans to build the perfect strategy for your specific scenario—whether that's Conventional, VA, FHA, or USDA.

Here is today's locked-in rate breakdown:
🔹 VA: 5.375% (5.688% APR) – Improved / Down
🔹 USDA: 5.250% (5.815% APR) – Improved / Down
🔹 FHA: 5.250% (6.080% APR) – Improved / Down
🔹 Conventional: 6.000% (6.094% APR) – Holding Flat

Let's look at the numbers and map out a custom scenario for your real estate goals before the weekend. Drop a comment, send a message, or call/text me directly!

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/29/2026. Subject to change.

05/28/2026

What are rates at for Thursday, May 28, 2026? 📊 Apologies for the late report today, but the office has been rockin'! We just closed two great purchase loans: a hard money loan for an investor's next house flip, and a reverse mortgage purchase helping a client secure their retirement home. No matter the market, the right strategy gets deals done.

As for the market, yesterday's rate improvements were completely erased this morning by the release of the Core PCE Price Index—the Fed's favorite retail inflation report.

The data showed inflation ticking up higher than the Fed's comfort zone at 3.3% (headline at 3.8%). Because inflation remains sticky, bond investors priced defensively. This pushed FHA, VA, and USDA government pools straight back up today, while Conventional loan pools managed to dig in and hold completely flat.

I offer all kinds of loan programs to map out your perfect purchase, flip, or refinance strategy. Let's look at today's locked-in numbers.

Here is today's mortgage board breakdown:
🔹 VA: 5.500% (5.820% APR) – Up / Higher
🔹 USDA: 5.500% (6.080% APR) – Up / Higher
🔹 FHA: 5.500% (6.338% APR) – Up / Higher
🔹 Conventional: 6.000% (6.094% APR) – Holding Flat

Let's look at the numbers and find the right strategy for your goals. Drop a comment, send a message, or call/text me directly to map out a custom scenario!

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/28/2026. Subject to change.

05/27/2026

What are rates at for Wednesday, May 27, 2026? 📊 We have a beautiful sight on the board today—a complete clean sweep with all four major loan programs improving simultaneously! 📉

The bond market is locked in a massive relief rally, pulling the 10-year Treasury yield down to 4.47%. The primary fuel behind today's drop is a sharp decline in crude oil prices, driven by growing optimism surrounding back-channel peace negotiations to end the Middle East conflict and completely reopen the Strait of Hormuz.

Lower energy prices mean cooler near-term inflation fears. Even though the European Central Bank issued a warning this morning that the markets are being too complacent, investors are aggressively buying up bonds today to secure yields right before tomorrow's massive Core PCE inflation report hits the tape. This pre-report momentum has given home buyers a fantastic pricing window today.

No matter what your real estate goals look like, remember that I can offer all kinds of loans to create a custom strategy for you—whether that's Conventional, VA, FHA, or USDA.

Here is today's locked-in rate breakdown:
🔹 VA: 5.375% (5.688% APR) – Improved / Down
🔹 USDA: 5.250% (5.815% APR) – Improved / Down
🔹 FHA: 5.250% (6.080% APR) – Improved / Down
🔹 Conventional: 6.000% (6.094% APR) – Improved / Down

Let's look at the numbers and find the right strategy for your goals before the market resets next week. Drop a comment, send a message, or call/text me directly to map out a custom scenario!

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/27/2026. Subject to change.

05/26/2026

What are rates at for Tuesday, May 26, 2026? 📊 Coming out of the long 3-day holiday weekend, the bond market is playing serious catch-up to a fast-moving mix of geopolitical headlines.

White House reports of progress on a diplomatic deal with Iran sent oil prices sliding over the weekend. Lower oil means cooler near-term inflation fears, which dragged the 10-year Treasury yield down to 4.50% and gave us a great improvement on Conventional and VA rates this morning! 📉

However, long-term rate hike fears are keeping specific pools like USDA a little defensive ahead of Thursday's massive Core PCE inflation data release. No matter what the market throws at us, remember that I can offer all kinds of loans to build the perfect strategy for your purchase or refinance—whether that's Conventional, VA, FHA, or USDA.

Here is today's locked-in rate breakdown:
🔹 VA: 5.500% (5.820% APR) – Improved / Down
🔹 USDA: 5.500% (6.068% APR) – Up
🔹 FHA: 5.500% (6.338% APR) – Flat from Friday
🔹 Conventional: 6.125% (6.255% APR) – Improved / Down

Let's look at the numbers and find the right strategy for your goals before the market resets next week. Drop a comment, send a message, or call/text me directly to map out a custom scenario!

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/26/2026. Subject to change.

05/22/2026

What are rates at for Friday, May 22, 2026? 📊 We are heading into the holiday weekend with a total shocker on the board!

Usually, investors bake a bunch of extra risk and margin into the market right before a 3-day weekend because everything is closed and they can't react to breaking news while they're away. But today? We actually saw government loan programs—specifically USDA and FHA—IMPROVE.

A little diplomatic breathing room regarding the Strait of Hormuz conflict cooled off energy panic, dropping crude oil prices and pulling the 10-year Treasury yield down to 4.54%. That gave us a surprise window for better numbers today.

It's graduation season for the kids, it’s my girlfriend’s birthday today (Happy Birthday, Sheila! 🎉), and if you are ready to graduate into a new home or need a custom financing strategy, remember that I can offer all kinds of loans to fit your exact goals—whether that's Conventional, VA, FHA, or USDA.

Here is today's locked-in rate breakdown:
🔹 VA: 5.625% (5.947% APR) – Holding steady
🔹 USDA: 5.375% (5.942% APR) – Improved / Down
🔹 FHA: 5.500% (6.338% APR) – Improved / Down
🔹 Conventional: 6.250% (6.345% APR) – Holding steady

Let's look at the numbers and find the right strategy for your goals before the market resets next week. Drop a comment, send a message, or call/text me directly to map out a custom scenario!

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/22/2026. Subject to change.

05/21/2026

What are rates at for Thursday, May 21, 2026? 📊 Between Nvidia’s latest earnings stirring up AI bubble worries and the Strait of Hormuz lockdown spiking crude oil prices over $108 a barrel, the global markets are putting a heavy floor under the bond market today.

It's graduation season for the kids, but if you're ready to graduate into a new home or looking to rewrite your current financing setup, keep in mind that I can offer all kinds of loans to fit your exact scenario—whether that's Conventional, VA, FHA, or USDA.

Here is today's locked-in rate breakdown:
🔹 VA: 5.625% (5.947% APR) – Holding steady
🔹 USDA: 5.490% (6.058% APR) – Moving down
🔹 FHA: 5.625% (6.465% APR) – Ticking up
🔹 Conventional: 6.250% (6.345% APR) – Rate flat, lower APR

Let's look at the numbers and find the right strategy for your goals. Drop a comment, send a message, or call/text me directly to map out a custom scenario.

📞 801-682-5626
📧 [email protected]
🌐 econmortgage.com
📝 Econ Mortgage | NMLS #1709162 | NMLS #274080 | Equal Housing Lender
🗓️ Rate as of 05/21/2026. Subject to change.

05/20/2026

Keeping it short and sweet today! 📉🙌 We are seeing some subtle improvements across the market as the bond and energy sectors take a quick breather.

Here is a direct look at exactly where the numbers are tracking across the core four mortgage programs today. Plus, make sure to stick around until the very end of the video for a special birthday shout-out to my sister! 🥳🎈

Today’s Market Rates & APRs (05/20/2026):
🏠 VA: 5.625% (5.947% APR)
🏠 FHA: 5.500% (6.338% APR)
🏠 Conventional: 6.250% (6.384% APR)
🏠 USDA: 5.625% (6.193% APR)

Let’s look at your specific homebuying scenarios together to find the right strategy for your goals. 📉💼

Let's Connect & Run Your Scenarios:
📞 Call/Text: (801) 682-5626
📧 Email: [email protected]
🌐 Website: www.whatareratesat.com

Casey Persinger NMLS #274080 | Econ Mortgages NMLS #1709162
Rates as of 05/20/2026. Subject to credit approval.